Investing - Theory, News & General • The One-Fund Portfolio as a default...
I am in Target Retirement Index 2040 in all my accounts.This includes Blackrock version in wife’s 457…. Fidelity versions in wife’s 401a, 403b, HSA, wife’s Roth IRA, my Roth IRA…. Vanguard in my old...
View ArticlePersonal Consumer Issues • Airline & Hotel Status: is it worth it anymore?
Before retiring I had both airline and hotel status. Once I retired I stopped worrying about hotel status because most of my post-retirement hotel stays have been at non-chain hotels in foreign...
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Personal Finance (Not Investing) • For Early Retirees: What Worked &...
My biggest surprise was how much my partner, who has bought precious little more than clothes for most of our relationship, can spend when he isn't working himself to exhaustion.This is one of my...
View ArticlePersonal Investments • Covering Mortgage Payment: Annuity vs. 30 Year Treasury
The problem I see is that your funds are tax deferred. So you can build a TIPS ladder, buy a 30 yr treasury, whatever to create the cash flow. But you can't use that cash flow to pay the mortgage w/o...
View ArticlePersonal Finance (Not Investing) • Former Employer Hasn’t Deposited 401(k)...
After I left, I noticed that my employer hadn't paid all their matching funds and contacted HR in November. They stated that there would be a true up and by the end of December I should see the...
View ArticlePersonal Investments • Schwab transfer bonus dilemma
I'll add that there are custodians that will issue a 1099 for a bonus due to an ira transfer but that's because they don't put the money in the ira but instead make you open a taxable account and they...
View ArticlePersonal Consumer Issues • Home Cocktail Bar Bottle Essentials -- $1K limit
Rittenhouse RyeWild Turkey 101I'm really torn about Rittenhouse.On the one hand, I think it tastes good. The bottled in bond proof stands up in cocktails.On the other hand, it's *barely* a rye...
View ArticlePersonal Consumer Issues • My Choices of Dentist: one (too?) young, one...
For me, the hygienist is the most important one to be loyal to. And for something straightforward,.I would certainly give the younger dentist a trial.Except I have a small mouth (use pediatric...
View ArticlePersonal Consumer Issues • Recommendation for a hotel near LAX?
Four Points LAX worked for me.Statistics: Posted by tj — Wed May 15, 2024 10:31 pm — Replies 2 — Views 97
View ArticlePersonal Investments • Help me transfer Vanguard to Fidelity
What is a transfer bonus that they offer?$1k bonus per million transferred per SSN. No pro rata. You have to hit the next million to get the next $1k.That's not very good and they offered me 1500 and...
View ArticlePersonal Finance (Not Investing) • Forced spending
If forced spending seems difficult, maybe try forced "donation" spending. If you find you have extra funds to spend for the year, start researching charities and selecting ones that fit your...
View ArticlePersonal Consumer Issues • Possible Future Drainage issue
Maybe put an Apple AirTag in small ziplock and after it's washed way down there, locate as close to it as you can and then dig around or poke into the ground with a piece of rebar to find the pipe,...
View ArticlePersonal Finance (Not Investing) • Will home owner's policy cover sewer...
Town sewer or your own septic system? If municipal sewer, what and where was the problem?When a friend on town sewer had a backup due to an off-property sewer collapse, the town repaired it and the...
View ArticleInvesting - Theory, News & General • TSP G Fund, inflation and TIPS
What puzzles me is that intermediate-term Treasuries outperform the G-fund by a significant amount, although with greater volatility. The G-fund interest rate is the weighted average of Treasuries...
View ArticlePersonal Investments • Cashing out of I Bonds
I sold a 0% fixed rate i-bond recently because I finally had an emergency some years after ditching my emergency fund. I'm thinking about cashing out the rest and getting into the positive fixed...
View ArticlePersonal Consumer Issues • Reasonable car insurance rates for Tesla Model Y?
Preface this by saying i understand that car insurance is extremely personal and dependent on personal history - for reference i have a clean driving record with no citations/accidents. Currently with...
View ArticlePersonal Finance (Not Investing) • Filing a delinquent 5500ez for 2004?
Going through my records, I see that I did not file a form 5500ez for 2004, for a Pension Plan and for a Profit Sharing plan that were opened in 1992 and terminated in 2007. In 2004, the total assets...
View ArticlePersonal Finance (Not Investing) • How am I doing so far?
lawyerCAD, welcome to the forum. The track on which we run can vary from person to person, and how smooth or potholed it will be is unknowable at this time.If you do some forecasting of your own, how...
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Investing - Theory, News & General • Y'all may be missing the point of TIPS
McQ said:2. Owners of SPIAs may wish to protect themselves with a TIPS insurance policy: an abbreviated ladder that commences, say, 10 years after the SPIA was taken out, and continues at least to...
View ArticleInvesting - Theory, News & General • suze orman says you need a min of...
The net worth of 2.3M will put you on the list of top 2% of US population. A net worth of 5.8M will put on the list of top 1% of US population. It is absurd to hear that you need to be close to 1% of...
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