Personal Investments • Moving house fund from Marcus to VG MMF - pointers?
Thank you both. I opened one and put $10 in but now realizing there is a $3k minimum for VMFXX, so I will do that once the account officially opens and give all the transfers a test.More to...
View ArticlePersonal Finance (Not Investing) • Contractor lost check, wants new one; how...
A lot of worsification and what-ifs going on. Start with the easy things first. You seem to know and trust the contractor. He says he deposited the check yet you think he lost it and did not deposit...
View ArticlePersonal Finance (Not Investing) • Roth Conversion dilemma
Realizing that it might be advantageous to convert when filing jointly as opposed to individually could be deciding factor for some.Now deep in my RMD years, the stress of paying conversion taxes in...
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Investing - Theory, News & General • Wiki - Prioritizing investments...
It does not seem like there is anything near consensus despite many posts but at least the list of proposed changes is getting shorter.Agreed! There might be daylight ahead. Statistics: Posted by...
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Personal Finance (Not Investing) • Retirement Life. What are your Stressors?
Retirement Life. What are your Stressors?Don't know, but if I come up with any stressors I'll try to remember to come back and post them. Statistics: Posted by TG2 — Sun Sep 01, 2024 3:56 pm — Replies...
View ArticleInvesting - Theory, News & General • Derivation of YTM formula
So YTM is the yield that used as a discount rate in computing the net present value of the cash flows offered from today gives you the bond price today. While the cash flows from coupon interest are...
View ArticleInvesting - Theory, News & General • Ronald Read the Janitor who amassed...
I think Mr. Read understood some deep philosophical truths..."...Each man spends his life in the pursuit of “more” and scarcely has he obtained one object of his desires when he strives for another,...
View ArticleInvesting - Theory, News & General • Fixed income most likely to have...
Individual TIPS or TIPS funds in Roth seem like the surest bet for non-negative real return. Granted, that is probably not the most tax efficient placement overall for a portfolio. Individual TIPS or...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
The vast majority of US outperformance since 1990 is not fundamentally driven but rather the relative change in valuations, and more recently Japan has had superior earnings growth over the last...
View ArticleInvesting - Theory, News & General • Bonds funds vs rolling bond ladders:...
Thanks for the analysis. Just wondering if return includes reinvestment. The article implies that it does. In practice, I end up dumping the interest into mm because it was not enough for another...
View ArticlePersonal Consumer Issues • Books that Really Changed/Helped You/Your...
I'm not sure that there's been any one book. Different books have helped me at different stages of my life, but unlike most of the posters here, I've not had that kind of "life-changing" epiphany in...
View ArticlePersonal Investments • Weird Spike Up/Down on "My Dashboard" today?
Just did my quarterly check in (basic total market funds) and saw that there is a huge upward "spike" on the dashboard today. There is also a significant drop in August for "purchases/withdrawals". I...
View ArticleInvesting - Theory, News & General • ARK investment
I removed an off-topic post. Please remember forum policy:Politics and ReligionIn order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are...
View ArticlePersonal Finance (Not Investing) • Help mitigating underpayment tax penalties
Just make estimated Q3 payments and then Q4 payments. For Estimated payments it matters when you pay the amount owed, if the tax is not paid in the tax withholding.From the IRS web page, Instructions...
View ArticlePersonal Finance (Not Investing) • Advice on closing Solo401k with a...
For professional advice, a benefit attorney or maybe an experienced TPA would be able to give you guidance on your issue. Definitely engage the services of a professional TPA.This! You are not going...
View ArticlePersonal Finance (Not Investing) • Am I too rigid in maintaining my fixed costs?
No, if you are fine in your current house there isn't a good reason to spend more (possibly a lot more) on housing just cause.Statistics: Posted by avalpert1 — Mon Sep 02, 2024 4:07 pm — Replies 5 —...
View ArticlePersonal Investments • Calculating cost basis for taxable bonds
An important question is whether the bonds are covered by IRS regulations that require brokerages to keep track and report the basis to the account holder and also to the IRS when the brokerage issues...
View ArticlePersonal Investments • fidelity balanced fund vs puritan fund (FBALX vs FPURX)
ideally I only want one fund but in this one instance investing in both could work. no need to rebalance or do any math. just split the difference. if I'm dropping in 500, do 250 in each and done. no...
View ArticlePersonal Finance (Not Investing) • Creditwise - Dark Web Alert - Compromised SSN
Credit freeze is recommended regardless of whether your SSN is compromised. Look on the bright side - now that everyone's SSN is "on the dark web", you're no more at risk than anyone else and can...
View ArticleInvesting - Theory, News & General • Taxable account rebalancing
If your taxable account is the largest compared to your 401 and Roth IRA , and most of the bonds in your taxable account are in municipal bonds, and municipal bonds are not great for rebalancing, is...
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