Personal Investments • Looking for guidance to structure annuity for 5-10 years
Thank you Birdfood for that perspective and I agree I am exposed to interest rate risk. It is actually part of living expenses for those years hence my desire to keep risk to minimal (not zero) while...
View ArticleInvesting - Theory, News & General • Taxation of Treasury bills, notes...
The Finance Buff seems like a brilliant person. And he says in this post:https://thefinancebuff.com/buy-treasury ... ates-taxes"Selling Treasuries in a taxable account on the secondary market before...
View ArticlePersonal Investments • "Gold Roth" vs. gold ETF in a Roth
I guess the downside of ETFs is that they are investing in futures and hence suffer from contango. Physical investing ‘fixes’ this but comes at a cost.For me personally gold only makes sense as an...
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Personal Investments • September losses
Just looking at past history of September for the last 4 yearsHas the Fed cut interest rates in September of any of those years?If I were a betting man, I'd bet that in September 2024 equities will...
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Personal Consumer Issues • Calgary to Banff and back short trip
Check the sunset/sunrise times for your intended visit.With a noon flight into YYC, I’d be surprised if you can get your rental car and out of the airport by 1:00. Another hour and half (with no...
View ArticlePersonal Finance (Not Investing) • Best brokerage for HNW clients?
With an account over $10mm, Schwab will pay $1000 per year towards their plat Amex. Effectively, they pay you to take it. Much easier than the ETrade/morgan offer where you need $25k in a non interest...
View ArticlePersonal Finance (Not Investing) • High Salary (>$500,000) careers
I reached >500k at 36 years old. Lawyer, former BigLaw.While I agree with other posters that you can reach >500k as a senior associate at most BigLaw firms, that path is hard to replicate since...
View ArticlePersonal Finance (Not Investing) • Is Home Insurance worth it?
Insure the property.We are in a litigious society.Statistics: Posted by lws — Sun Aug 25, 2024 2:48 pm — Replies 8 — Views 301
View ArticleInvesting - Theory, News & General • Rule of 55 Question
No. You need to be at least age 55 in the year of separation from your employer to utilize the ‘Rule of 55’.Dang. If that's true, it really throws a monkey wrench into my plan. I was planning on...
View ArticlePersonal Finance (Not Investing) • For those retired or FI, how much do you...
Really don't know.Statistics: Posted by lws — Sun Aug 25, 2024 2:51 pm — Replies 643 — Views 103247
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Personal Investments • Why is long-term bond acceptable?
I think 70/30 of VTI/VGLT (US total stock/Long treasury) would be a nice aggressive portfolio to ride in retirement as long as you don't get aggressive on the allocation on long bonds. If you lose...
View ArticlePersonal Finance (Not Investing) • Graduate School Tuition Tax Benefits-...
Had a very similar situation in the past and did not find any tax benefits other than sending the money through a 529 for the state tax benefit. If your spouse’s employer or the government offers a...
View ArticlePersonal Finance (Not Investing) • Rocket money
HowdyVery disapointed.I thought this would be about saving up for a Blue Origin trip.Keep ‘em flying.W BStatistics: Posted by WildBill — Sun Aug 25, 2024 2:54 pm — Replies 5 — Views 383
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Personal Investments • Only one portion of two-part Vanguard sale+transfer to...
Call. Good thing you saved your confirmationIndeed! I rarely do that but I think in this case it was the first time I'd placed such a transaction and I just thought I might want to review the...
View ArticlePersonal Investments • BOB BRINKER
Already discussed here: viewtopic.php?f=10&t=438027&newpost=8011537Statistics: Posted by Geologist — Mon Aug 26, 2024 2:50 pm — Replies 1 — Views 124
View ArticleNon-US Investing • My tentative portfolio, main doubt on bonds ETF
1. if the global bond fund is less than 10% of your total portfolio, by your target overall percentages, it may not be worth bothering about. It's only where you get to the point that you have...
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Personal Finance (Not Investing) • Any proven/reliable/legal way to turn a...
There is a site I have heard of called cardcash.com that will flip your cards for like about 80% of their value. I've never used it myself. that's insane, worse than those coin machines at the...
View ArticlePersonal Investments • Semi-annual reports just one page
Today I got an email from Vanguard concerning new prospectuses and semi-annual reports for two funds I own. When I went to Vanguard (I never click on links) and down-loaded the PDFs, both semi-annual...
View ArticleInvesting - Theory, News & General • Replacing Bonds with T-Bills in a...
There's no magic in a bond ladder. A non-rolling ladder does allow you to duration match with high precision, but funds get you close enough. And a rolling ladder ... no magic there at all.A 3-10 bond...
View ArticlePersonal Investments • Portfolio Review
… New annual Contributions$23k his 401k (4% employer matching contributions)$23k her 401k (4% employer matching contributions)$7500 his IRA/Roth IRA$7500 her IRA/Roth IRA$12 taxable (for retirement,...
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