Personal Investments • Annuitize Your TSP - Why or Why Not?
I've been thinking about that with my TSP. I may just split the differences and do a third on Treasuries (mix of G Fund and various other bonds), a third TIPS ladder, and a third annuity. It will...
View ArticleInvesting - Theory, News & General • Filling the TIPS gap years with...
Perhaps using I Bonds to cover the gap years might help simplify things.Statistics: Posted by Mel Lindauer — Mon May 27, 2024 12:19 am — Replies 30 — Views 2284
View ArticlePersonal Investments • Shift future savings from tax-deferred to taxable?
When someone has a large tax-deferred account(s) like this, I like to show them what their RMDs will be like if they keep doing what they are doing. In OP's case, the tax-deferred contributions will...
View ArticlePersonal Finance (Not Investing) • I have too much house at 6.75%, but I...
It's a guaranteed 6.75% return.5%, possibly less.That is not correct. 690k at 6.75 is about 47k + 10k salt - 29k standard deduction will make it 28k. Only 28k is itemized. 400k HHI is 24%...
View ArticlePersonal Consumer Issues • [On-going Scams - Post them here]
You answer the phone from a number not already in your contacts?Yeah why are people answering these calls in the first place?Statistics: Posted by placeholder — Mon May 27, 2024 11:44 pm — Replies...
View ArticleInvesting - Theory, News & General • A skeptical take on the SPIA
I think this video sum's up this thread.https://www.youtube.com/watch?v=i2RGBkFjwiIStatistics: Posted by retireIn2020 — Mon May 27, 2024 11:56 pm — Replies 26 — Views 1882
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Forum Issues and Administration • Bogleheads and ChatGPT
I recall the early days when searching into Google was scary as, we were told it wouldn't be used against you in any way nobody will know what you're searching for, then it became so valuable the...
View ArticlePersonal Investments • 401k: Roth or Traditional?
An apocryphal story: two investors, Adam and Bob. Adam invests $10k per year for ten years, and never contributes a dime thereafter. Bob doesn’t contribute a dime for the first 10 years, but...
View ArticleInvesting - Theory, News & General • Where to cap Roth Conversions
One thing to note is the "break even" point, that is the age at which all the taxes paid on the front end start to give you an advantage on the back end. In my case the break even point was age 86!...
View ArticlePersonal Consumer Issues • Mac Migration Process Failure
Update 6anagram: “No, the TM files on iCloud are not there for record keeping. Something is very wrong with your setup.I do not understand "copy". Are the files on the laptop?The repair agent would...
View ArticleInvesting - Theory, News & General • How much is enough in retirement...
You are in great shape! I would focus on continuing to enjoy the job, continuing to save the amount you have been, making sure taxable brokerage has enough liquidity to cover few years of expenses....
View ArticlePersonal Investments • Preparing Data For Transfer: Managed (Merril) ->...
Just saw this so glad someone got the info to you.Thank you very much!Statistics: Posted by monkeytoad — Tue May 28, 2024 12:13 am — Replies 16 — Views 950
View ArticlePersonal Finance (Not Investing) • Did Your Money Really Double Every 7 Years?
For my wife and I (started at -700k because of student loans):Time to 1m NW: 5 yr, 11 mo2m NW: another 1 yr, 7 mo3m NW: another 1 yr, 4 moOf course we didn’t just let the original contributions keep...
View ArticlePersonal Investments • Which fund for Roth IRA at Fidelity?
I’m considering IVV (ishares S&P), ITOT (ishares Total Market) or FNILX (Fidelity large cap zero expense fund). Are ETFs preferable to mutual funds in a Roth IRA?I'd use a total market fund, but...
View ArticlePersonal Investments • 100% in stocks. 15 years to retirement. Too risky?
Can others chime in on the premise that financial planning, in the context of my original question, should be based on the worst 5 to 10 percent outcomes? I understand if this was a spending question...
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Non-US Investing • Australian Portfolio Questions [Split from Thoughts on...
Many Thanks for all who gave thier suggestions. Statistics: Posted by sobar77 — Tue May 28, 2024 12:29 am — Replies 8 — Views 1341
View ArticlePersonal Consumer Issues • My computer has 8GB of ram. Would I make it faster...
A google search will quickly show that a memory stick is a USB flash drive, NOT RAM.https://en.wikipedia.org/wiki/Memory_moduleIn computing, a memory module or RAM stick is a printed circuit board on...
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Personal Consumer Issues • Whirlpool Icemaker Won't Reset
I have a Kenmore branded LG refrigerator that does the same think periodically, most commonly after we are gone for a few days. The water fill line gets frozen and just needs thawed out. The ice tray...
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Personal Consumer Issues • Home Cocktail Bar Bottle Essentials -- $1K limit
Excellent. Thanks.Haven’t made Negronis in a while, so that will be the drink for tonight. I have a bottle of vermouth opened up a while ago I need to use up. Don’t have Campari but will figure out an...
View ArticlePersonal Finance (Not Investing) • When would the deductible be met
Suppose one has a HDHP. The insurer pays nothing until deductible is reached.The insurer also provides a max out of pocket.An insured has a heart attack and goes to the ER.The hospital submits their...
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