Personal Investments • Retirement Strategy
Too complex at your (or any) age. Just pick one of SP500/Total US/Total World (if you want international) and be done with it.Your savings rate as a % of income is a little low.Nobody can predict the...
View ArticlePersonal Finance (Not Investing) • When to stop HSA contributions (before...
Thankyou for the clarificationStatistics: Posted by krisSA — Tue Aug 13, 2024 12:24 pm — Replies 4 — Views 153
View ArticleInvesting - Theory, News & General • The Day The Factors Died
Here, for grins, is a chart, over rolling 120 month intervals, of the (0,0) portfolio in classic Fama-French terms, i.e., large growth, which benefits neither from size nor value--in my rendering,...
View ArticlePersonal Investments • IRA withdrwal and contribution: impact on taxes, MAGI,...
Esteemed Bogledheads:Thanks to the experts on this, I have discovered so much useful information. I had a question on IRA withdrawals and contributions in the same tax year. As you know, this has...
View ArticlePersonal Investments • Portfolio Review - A Retiree
Is there any other way to temper down our AA, which I do not see.You could choose to put some fixed income in your taxable portfolio. Yes, 80/20 sounds aggressive for someone in their 60s. But with an...
View ArticlePersonal Investments • Unable to Withdraw Cash from Vanguard Brokerage...
I think it's reasonable to move on to another brokerage if this one is not working for you. Everyone has different needs and tolerances, and it'll probably be better for your blood pressure than just...
View ArticlePersonal Finance (Not Investing) • New Mexico road trip during Christmas
We are thinking of visiting Museum of Space history, White Sand national park and New mexico rails to trails. What are things to do in white sand national park during winter. Are there any lively...
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Personal Consumer Issues • Honda SUV replacement w/CD Player
Our 2020 Subaru Ascent came with a CD Player which we have never used but I now have the itch to pop one in and try it. Have no idea where our CD's are however likely buried somewhere in the garage...
View ArticlePersonal Investments • Should I sell my treasuries?
Generally speaking purchasing higher risk bonds does not make a lot of sense if the goal is "risk management". Investment grade defaults are rare but still more common than the US government. If the...
View ArticlePersonal Investments • RMD/Withdrawal Strategy from Inherited tIRA
The non-tax thing to consider is how that account fits into your overall AA. I would want to put the slowest-growing investments in that account, and adjust the other accounts as the withdrawals/RMDs...
View ArticleInvesting - Theory, News & General • Money Market Optimizer Spreadsheet -...
Retiringwhen, finally updated my version of Allfunds to 19.4 from 19.2. It rocks! I don't know if My Summary was there previously, as I already deleted my 19.2, but whatever the case I updated and...
View ArticleInvesting - Theory, News & General • Considering shift from Avantis AVGE...
No one knows if Value will ever outperform again. It likely will, but there are no guarantees. And if it does outperform, it could then give all the outperformance back and more in the next cycle.No...
View ArticlePersonal Consumer Issues • Vet estimate for my daughters’ cat
I, too, get frustrated and skeptical at some of the vet estimates from my local office. But I also know enough vets personally that I generally give the benefit of the doubt that they care about your...
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Investing - Theory, News & General • Why all the IRMAA angst?
This forum is comprised of many optimizers who will bend down to pick up a penny off the sidewalk.Ouch. Statistics: Posted by MoreTaxes — Wed Aug 14, 2024 12:31 pm — Replies 66 — Views 1963
View ArticleInvesting - Theory, News & General • Is a 50% savings rate impossible...
Never did I ever target saving any percentage of income. I focused on saving what I could. When my employer started a 401K, I threw that year's raise into it. Each year's raise likewise went to it...
View ArticlePersonal Consumer Issues • Cheapest Landline when whole family has iPhones?
There is another one from,https://www.usmobile.com/home-phone$10 per month, if you pay for annually.Statistics: Posted by isubrama — Wed Aug 14, 2024 12:35 pm — Replies 10 — Views 677
View ArticleInvesting - Theory, News & General • Inflation Tends to Linger. Could It...
I have a vague recollection that the government CPI ignores essential stuff that everybody needs (fuel, food, etc.?) ...Does anybody trustworthy publish an alternative to it that's more realistic? You...
View ArticlePersonal Investments • Lump Sum Invest or Dollar Cost Average?
Assuming you will keep the money in the market for a long period of time, I'd lump sump it because in general, the longer the money is in the market, the bigger the gain it brings you. So get that...
View ArticlePersonal Finance (Not Investing) • Hackers leak 2.7 billion data records with...
Can IP addresses be replicated or spoofed? How secure is an IP pin?An identity protection personal identification number and an internet protocol address are not related.Statistics: Posted by ObiQuiet...
View ArticlePersonal Investments • Reverse Rollover of IRA [to employer 401(k)]
Continuing OP example 90k totalAssume $10k non deductible contribution80k reversed into 401k generating 1099R with G checked and marking as “direct rollover” on 1040 first page and no tax dueSuppose...
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