Personal Investments • What Fidelity fund(s) for taxable?
Ahhh I wonder if I should just pick VTI then. I read up some on the wash sale possible issues, seems like it's not worth even worrying about if I just would do VTI.I have only ITOT and IXUS in my...
View ArticleInvesting - Theory, News & General • TIPS [Anyone buying TIPS at 1.6%...
Anyone buying 2032-2034 individual TIPS at 1.6% +/- yield?I'll be buying until my ladder is fully funded.Statistics: Posted by BirdFood — Thu Sep 12, 2024 6:31 pm — Replies 48 — Views 2548
View ArticlePersonal Consumer Issues • Please Help me find my ideal town in the Pacific...
Port Townsend. Wife and I had a place there for years, we loved it.Statistics: Posted by Allan — Fri Sep 13, 2024 6:17 pm — Replies 44 — Views 4023
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
In order to maintain a 20-80 Int'l-US ratio for instance, one must engage in market timing based on (relative) valuations.... I have roughly market weight for US vs non-US stocks. But I think having a...
View ArticleInvesting - Theory, News & General • Barrons: Jack Bogle was right about...
I started investing with mutual funds and found from having ETFs in my taxable brokerage account I liked them so I switched from buying a mutual funds to ETFs. Either way I’m still investing in the...
View ArticlePersonal Finance (Not Investing) • 401k loan or sell from brokerage account
Somebody already mentioned it: If 50k are only a small part of your taxable brokerage account, then depending on your brokerage margin might be the best option.Example: IBKR you would pay currently...
View ArticleInvesting - Theory, News & General • Vanguard - Electronic Bank Transfer
For transferring very large sums of money, I've only used wires. I've had no problems whatsoever, and if the sums are large enough, I do a wire trial first ($100, for example). The problem with wires...
View ArticlePersonal Consumer Issues • Buying Replacement Car Tires
Stumbled upon this a little late, but I thought I'd add because I have ordered from both Tire Rack and Discount Tire. One poster said it didn't make sense to order online, but what they do during the...
View ArticlePersonal Investments • IPS review please
Seems like your spending is covered by pension/SS, so retirement account choices are wise open. Put all tax-advantaged accounts in a single balanced fund. Or a single stock fund if you can really...
View ArticlePersonal Finance (Not Investing) • Denied comprehensive auto insurance claim...
I don’t get how there was zero hair or blood, if I was progressive I would be suspicious to.Statistics: Posted by JoeNJ28 — Fri Sep 13, 2024 6:25 pm — Replies 27 — Views 2275
View ArticlePersonal Investments • CDs versus Money Market
I don't think either has an upcoming fed rate reduction built in. If I was going to hold the money for 8 months- I would buy the CD to lock in the rate. (Provided it is a bank CD and not a callable...
View ArticlePersonal Finance (Not Investing) • USAA class action lawsuit (Insurance, 2024)
I qualified due to my father’s WWIi service so I got a quote. They wanted $5,000. My current carrier is charging me only $4,000. When I told them I wasn’t interested they said “Oh, but our claims...
View ArticleInvesting - Theory, News & General • Why "traditional" asset...
returns in equity heavy portfolios will offset even the worst sequence of returns risk. You can’t guarantee this. The future doesn’t have to be like the past.No argument there. No doubt the future...
View ArticleInvesting - Theory, News & General • Latest Roth conversion paper
I don’t follow the NPV argument I see it as simple tax rate arbitrageI’m 58, married. My 401K is ~2.5M with RMDs 17 years awayIf I do nothing, that might be 10M at RMD timeAnd then I pass away,...
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Personal Investments • Early Retirement Now - SWR [Safe Withdrawal Rate]...
Thanks Ben. Have you looked at the EarlyRetirementNow SWR toolbox? I totally get that a binary SWR approach is over-simplistic, but Karsten's done both Monte Carlo and historical analysis to come up...
View ArticlePersonal Finance (Not Investing) • POD vs regular beneficiary?
this would be for an investment brokerage account with Schwab. the person giving me the advice was an estate attorney.Here is a copy of the Schwab "Designated Beneficiary Plan Application". In the...
View ArticlePersonal Investments • Pay off remaining mortgage with IRA $ or Non-IRA...
If I were in your shoes, I’d go for paying off the mortgage with the emergency fund. It’s a guaranteed return of 7%, which is better than the risk of investments. Sure, it’ll leave you with only $67K...
View ArticlePersonal Consumer Issues • [What UN-frugal thing do you do? What do you...
A nice set of Japanese kitchen knives. I adore them and enhance our experience when preparing meals.My 2 cents is that anything related to good tools is a great quality-of-life upgrade. I second this...
View ArticlePersonal Consumer Issues • How to Fill Out Rental Application History after...
I’d put “none” in that section and tell the landlord/owner/management company that I can provide more information if needed. But what do they expect potential renters who have been homeowners for the...
View ArticlePersonal Consumer Issues • Are these Mini-PCs any good? If you have one, any...
Auto daily backup? The more backups the better. Will your backup overwrite? Or will you keep several days' backups? It's OK to do this. I've never considered doing this because I don't have the need....
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