Personal Investments • 60/40 too risky for 73 year old
I was just concerned about leaving 1/2 of my portfolio for my daughter. Let say I had 1 M I would like to leave 500K for her. So I guess 60/40 is the way to go?TYConsider treating investments for you...
View ArticlePersonal Finance (Not Investing) • Post-NAR Settlement Buyer Commission...
I've never heard of an attorney being used to buy and sell real estate. This must be a regional thing.There are two different types of attorneys involved in residential real estate. One are attorneys...
View ArticlePersonal Finance (Not Investing) • 1041 Question
Hmm, I only remember one EIN. If there is a poar over will, then assets and income from the estate gets poared over to the Trust. We had one checking account with a trust EIN where the few checks made...
View ArticlePersonal Investments • US estate tax if inherited by a UK citizen
My wife and I are U.S. residents/citizens. Our daughter, who is a UK citizen, would receive half our estate after our deaths, while the other half would go to our son, a US citizen. What are the...
View ArticlePersonal Investments • SSN Spousal Benefit Question
Hi, DH’s SSN benefit options are 62- $2705, 67- $3842 or 70 - $4761. He would like to collect $2705 at 62. I’m not sure when to collect; I’m 59 and relatively healthy. What will my spousal benefits at...
View ArticleNon-US Investing • Loan rates are higher than expected - is there a way to...
I was quoted 5.79, and the best APR on the credit union's site is advertised as 4.59. So with my excellent credit (~780+), that's what I was expecting. The offered rate is nearly the same as ny...
View ArticlePersonal Investments • Making the Pivot to Current Income Portfolio
Desired AA is 45% Total Bond Index, 40% Wellesley Income, 15% Total Stock Index for the IRAs.I didn't try to add everything up, but I suggest that you determine what you want for your total AA in all...
View ArticlePersonal Investments • opened a Roth IRA at fidelity at 19
Our kids both have a Roth IRA and they choose the S&P 500A fund that has a lot of growth potential.My kids invest in a Vanguard Target Retirement Fund appropriate for their age:...
View ArticleInvesting - Theory, News & General • Let's Talk SPX Box Spreads
Short SPX box spreads are once again below 4% through at least December 2028. Given the market's (VT's) long term return of near 10%, and the fact that the "interest" you pay on the short box is...
View ArticlePersonal Finance (Not Investing) • Please Help me find my ideal town in the...
Boglefriends,I am looking to move to a community that best matches my needs and preferences. I would love the input from this group.Here is what I am looking for:—Located in the Pacific Northwest,...
View ArticlePersonal Consumer Issues • Yet another crawl space humidity question
A vented space will always have issues in humid climates. Seal it completely, insulate the joists, and add a crawlspace dehumidifier set to 50% RH that's plumbed into a drain, problems gone and your...
View ArticlePersonal Investments • Retiring in 6 months (off TSLA options); Plan Review;...
OK 7.1 million today. If OP can say to himself “a million here and million there, it is no big deal to me” I think he has the right mindsetPeople who keep on saying “but he had over $10m at one time”...
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Personal Consumer Issues • So what are you cooking
I found a 3 lb. corned beef brisket buried in the back of my freezer. It was on sale after St. Patrick's day and got it then.I had left-over potatoes and onions, so this fit perfectly: Slow Cooker...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
North: FInding My Way While Running the Appalachian Trail - Scott Jurek. Jurek is a famous ultra-marathoner. This book is an account of his attempt to set the FKT (fastest known time) for running the...
View ArticlePersonal Finance (Not Investing) • Fidelity Cash Management Account vs online...
This seems to be the best place to post this without starting a new thread. Today, Fidelity CMA dropped the check deposit limit on a lot of accounts (mine included) to $1K per day. Most of the chatter...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
seems like creating from Schwab side a link to the CMA, via routing number, creates a "p2p" transfer push from Schwab , and from the CMA side, then, it can pull balances from Schwab ? the CMA did this...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields have...
I swapped my Oct 2024 TIPS for Apr 2026 TIPS on Monday.Was there a reason you did it now, rather than waiting for maturity?Is it because you expect yields to fall between now and 10/15?We had two...
View ArticlePersonal Investments • Insight and Advice on My Portfolio, Insurance Needs...
Thank you very much for all the advice, @bonesly. The proposed allocation/layout above makes sense to me. I have a few follow-up questions:1. Tax Loss Harvesting (TLH) StrategyIf I hold VTI and VOO in...
View ArticlePersonal Consumer Issues • Dark Chocolate heads Rejoice !!!
Does anyone make ice cream?I've tried:1.33 c milk1 c sugar4 c heavy cream6 egg yolks2 bars 85% Lindt1/2 tsp Tara GumIt's really good but freezes really hard. I see two options. Increase the sugar or...
View ArticlePersonal Investments • What percentage of portfolio in Roth versus tax...
Is there a rule of thumb for how much of one's portfolio should be in Roth accounts versus tIRA/401K accounts? Sort of like 60/40 for asset allocation. As a baby boomer, I'm late to the Roth game, but...
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