Personal Investments • Bonds vs MM funds vs ETF
I feel like this question is dumb but I'll ask anyway.1) Why would anyone buy bonds at yields under 8% when you can buy a money market fund from fidelity (fisxx) or vanguard yielding ~ 5.2%. It...
View ArticlePersonal Investments • Bonds in taxable versus tax deferred - revisiting the...
I have some BND in a taxable account. I have most of my other investment in Roth accounts and I do not want to put BND there. I want to maintain some, so, here you are. Do the best you can and get on...
View ArticlePersonal Consumer Issues • I will need a new car or repair one
Tesla Model Y vs Comparable Japanese CarWhich one would you go for???What is comparable Japanese car that is being considered?Model Y is good but drive it and see if it works for you. For me it has a...
View ArticlePersonal Investments • Cash or CD's Instead of Bond Funds
Ok, but if I don't like the offer you have to keep paying me $6 every year until I do.I will change my mind at the 7 year mark you see, I will may start paying you only $2 per year at that time.Or...
View ArticlePersonal Finance (Not Investing) • Vanguard and SPIC insurance
I don't pay any attention. Our VG accounts are multiples of the SIPC limits.Statistics: Posted by jebmke — Sat Mar 16, 2024 9:02 am — Replies 2 — Views 58
View ArticlePersonal Consumer Issues • Utilities cost?
If I didn't like water/sewer bills, especially the fixed charges (~$40/bi-monthly in my city), I'd move to a home with a well & septic tank.Here electricity is inexpensive ($0.10/kWh all-in) so...
View ArticlePersonal Investments • Back door Roth questions
Your proposed process is correct.As for whether the traditional IRA account will be closed when it has a zero balance after the Roth conversion, you need to ask Schwab (or wait for a response from a...
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Personal Finance (Not Investing) • Am I Only One Who Hates Having Left Over...
I'm consolidating my accounts at Fidelity. I transferred one account from Vanguard that was 100% in VTI. Whole shares were transferred and partial shares liquidated to cash. So far so good. Today, I...
View ArticlePersonal Finance (Not Investing) • Age and probability of needing long term...
If it helps, here is how I decided. Obviously it isn’t medical insurance, it’s for folks who need help with bathing, dressing, eating and standing up and who need verbal cues to do essential...
View ArticlePersonal Consumer Issues • Termite Quotes & Repair vs Damage warranty
Hey y'all first I wanted to say thank you for all the replies, it has given me a lot to think about. I also wanted go apologize for some confusion in my initial post and follow up, I don't think I did...
View ArticlePersonal Consumer Issues • Best travel pillow for plane flights
Here are the Wirecutter recommendations: https://www.nytimes.com/wirecutter/revi ... el-pillow/Statistics: Posted by gatorking — Sat Mar 16, 2024 9:06 am — Replies 11 — Views 942
View ArticlePersonal Investments • Sell stock in IRA, Buy it again Immediately in Taxable
Are bid-ask spreads relatively constant for a given stock, or do they change during the day/week... (based on volume)? Do people actually monitor bid-ask spreads before buying? In the end, it's only...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
For those asking questions, there is a fidelity official reddit, I've seen reps come answer questions and be helpfulhttps://www.reddit.com/r/fidelityinvestments/Yeah the reps there are very good and...
View ArticlePersonal Finance (Not Investing) • Discrepancy with employer withholding and...
I think the discrepancy is because your bonus is withheld at 22% but your gross income has you in the 24%, 32%, and possibly some in the 35% tax bracket. Going forward, if you reasonably estimate that...
View ArticlePersonal Consumer Issues • Google Reviews
This thread is now locked (general comment topic). Please note forum policy:Personal Consumer IssuesThis subforum is focused on making informed decisions about consumer goods and services (other than...
View ArticleInvesting - Theory, News & General • Great news! No more [fixed real...
Got this from another article:4. About one million real estate agents could leave the profession.Are there even 1 million real estate agents? 1 in 300 people?There are quite a few jobs in this country...
View ArticlePersonal Investments • Anybody heard stories of well "prepared"...
I can understand the flexibility of probabilities, but I wonder if there are actual & recent real-life cases proving their point, or if it a strategy to get more $ from investors. This might...
View ArticlePersonal Finance (Not Investing) • tIRA to Roth IRA conversion and tax form
@sycamore and @celia than you very much.I had answered the question(s) correctly about non-deductible contribution. As pointed out by @sycamore, there is a section in turbotax on deductions and I had...
View ArticlePersonal Investments • Retired early and need to sell some taxable.. Average...
So, all your shares have gains, which isn't all that uncommon... But using the FIFO cost basis method will likely lead you to sell shares with the largest gains in your portfolio. This is probably the...
View ArticlePersonal Finance (Not Investing) • Paying for grandparents to babysit,...
But this is an interesting idea - are you saying that gifting money increases MAGI and would therefore kick them off of Medicaid if reported? As @jeffyscott mentioned, I have to find a way to kick...
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