Investing - Theory, News & General • Frustrated with targets....
If you stay 100% in US stocks in retirement, how will you feel when the market drops 50% and you have to keep withdrawing to pay for expenses? How would you feel if the market drops 50% the year...
View ArticleInvesting - Theory, News & General • New tool for building a TIPS ladder
The whole ladder is producing interest throughout the year (each TIPS has coupons every 6 months) and the sum of all these coupons for each year is reflected in the Interest Income column. So, the...
View ArticlePersonal Investments • Cash at Fidelity
I successfully moved FSIXX from ME to Fidelity.Please share how you did it! How much did you move?I saw bongo's message that it might be possible and decided to give it a try. Here's how it went:I...
View ArticlePersonal Finance (Not Investing) • Capital One Venture X [Credit Card]
In my experience, flights costs exactly the same if you book through Cap One or direct. On the other hand, hotels are always fairly significantly more if you book through Cap One instead of direct. I...
View ArticlePersonal Finance (Not Investing) • Valuing state pension
I am considering a job with a state pension. At 55 this pension would be worth 37k/yr with 8 yrs of service and 46k with 10 yrs of service. There is discounted medical care available at retirement...
View ArticlePersonal Investments • Any financial adjustments?
Wow thank you for the Monte Carlo simulation. That’s a very thorough analysis. I appreciate you running that for me. It definitely helps with some of my assumptions. Currently I am all vanguard funds...
View ArticleInvesting - Theory, News & General • 2007 to 2020: The changing advice of...
Question: Should "VEMBX" be VEMAX ?Statistics: Posted by OhioGozaimas — Sun Jul 21, 2024 7:14 am — Replies 87 — Views 21522
View ArticlePersonal Finance (Not Investing) • For those retired or FI, how much do you...
I think it is near impossible to spend less than $100k if one owns two paid off houses (assuming neither is income producing). Taxes, insurance, maintenance and utilities on two decent homes is going...
View ArticleInvesting - Theory, News & General • When do you buy insurance against...
I never did. We never worried about a big purchase other than a house for when we repatriated to the US. I just parked the funds from the sale of our prior house in a bond fund while we were...
View ArticlePersonal Investments • Help With Portfolio Allocation
I know timing is normally bad. I updated the post to say I have zero debt. So let’s say roughly $3.4 million total investable. Why shouldn’t I do 70/30 VTI/VXUS? I’m sure I should have some bonds or...
View ArticlePersonal Finance (Not Investing) • Leaving Vanguard: which US brokerages...
I left Vanguard last fall. I interviewed both Fidelity and Schwab local offices before I decided which to pick.I suggest you do the same. You may have unique things are you looking for besides the...
View ArticlePersonal Consumer Issues • California weather in a lower cost of living area
Do a search for Laguna Woods, CA as it is in the state and climate you are looking for. You could buy a 350-400k condo then pay their pricey HOA of like $600-700/month but it may be worth it for your...
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Personal Consumer Issues • Fire Safety with Lithium Battery Power Tools?
All this talk about Li batteries for tools and safety with them being in very hot garages has me wondering.Aren't these the same garages where people are parking and charging their EVs? I believe...
View ArticlePersonal Finance (Not Investing) • Qq on recharacterization and backdoor Roth
If I recharacterized a $6000 Roth IRA contribution and then converted it into a Traditional IRA, do I put $12000 onto form 1040 box 4a or only $6000 (because it’s the same money moving around?)I saw...
View ArticlePersonal Investments • Please Critique: Investment Strategy with TIPS
When one is ready to pull their chips off the gambling table, putting them into the safest spot makes sense. That safest spot is TIPS. Is this in question? By constructing the 20 year TIPS ladder you...
View ArticlePersonal Consumer Issues • What’s going on with Uber prices ?
The price will be what people are willing to pay.Statistics: Posted by Tycoon — Mon Jul 22, 2024 7:06 am — Replies 33 — Views 3290
View ArticlePersonal Investments • Back Door Roth with Rollover / After Tax $ in 401K
You are going to have to fill out form 8606 for the backdoor Roth. Pay particular attention to line 6, it will answer some of your questions.https://www.irs.gov/pub/irs-pdf/f8606.pdfStatistics: Posted...
View ArticleInvesting - Theory, News & General • Is “Age In Bonds” back in style?
Many 20 year olds in 2008 bailed on stocks because they hadn't been through a stock decline, nor recovery. Should they have been 100% stock if they couldn't stay the course? (the willingness part)The...
View ArticlePersonal Consumer Issues • Shoe Inserts/Insoles/Orthotics?
I spend extra money on good shoes so I don’t need insers.Look at orthopedic shoes if you need them instead of trying to address bad shoes with inserts. Just my opinion.Disclaimer: I am not a doctor...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
FIREGuy88's post has been merged into the ongoing discussion.Thanks to the member who reported the post and said what was wrong.Statistics: Posted by Kendall — Tue Jul 23, 2024 7:23 am — Replies 1079...
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