Investing - Theory, News & General • How Do You Like My New 'Doo
Again, not sure of where I want to go. If Vineviz was my Financial Advisor and I was paying him to manage this, I would go with a TIPS ladder or a synthetic TIPS ladder. I understand the theory behind...
View ArticleInvesting - Theory, News & General • HSA Bank eliminating investment options
I'm trying to figure out what the fees, separate from the fund expense ratio, are for leaving funds with Devenir. The underlying Vanuguard fund at Devenir has an ER of .04%. I have about $17k there....
View ArticlePersonal Finance (Not Investing) • Any reason NOT to become a citizen?
What do you mean by "US law expressly permits dual citizenship?" I don't think there is a law explicitly states one is allowed to hold multiple citizenship but rather there is no law against it, so it...
View ArticlePersonal Investments • Roth conversions ?
The general rule is to look at your current tax rate and project your future tax rate when you get to RMD's. (Note that health concerns should also be noted as if one spouse is in poor health there...
View ArticleInvesting - Theory, News & General • Larry Swedroe on Reinsurance
There are lots of alternative investments out there. Many of them make money. Some of them might offer an illiquidity premium. None of them are mandatory for financial success.I tried some peer to...
View ArticlePersonal Consumer Issues • As a 24 year old college student, is it okay to...
I have known a lot of adults, ones a lot older than you, that seem to get along fine without cars. Of course, where you live and work matters.Like any other possession, you should buy a car when you...
View ArticlePersonal Investments • Selling MCD stock to reinvest in Roth ira
Looking for some advice. I have around 55,000 dollars in McDonald’s stock that I’ve had in a taxable account since 2003. While the stock has done well I’m a little nervous about individual stocks. I...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
If there is a market loss, I don't think you'd be able to withdraw dividends etc and not be punished for the withdrawal.Statistics: Posted by tj — Sun Oct 20, 2024 10:58 pm — Replies 9153 — Views...
View ArticleInvesting - Theory, News & General • After 2022-23, how are we feeling...
Totally. That's why I said that changing market conditions could indeed result in one taking more risk (albeit short-term risk) than originally intended.Can you explain why you think it’s “short-term...
View ArticlePersonal Finance (Not Investing) • Medicare Part D-2025 $2,000 OOP Limit
Just when I thought Part D couldn’t get any more confusing. Boy, was I wrong!One could, of course, simplify it by just trusting it will work when it is supposed to *laughing*Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Medicare Part D - best coverage for the...
Your Medicare Supplement Plan G will cover Part B drugs. I have no personal experience but expect Part B covers things such as chemotherapy administered in an outpatient setting, such as a clinic,...
View ArticlePersonal Consumer Issues • Fort Lauderdale vicinity retiree locales
Howdy,Live in Florida (small town, used to be LCOL) and have driven around here and there. I've spent time in most FL cities.I just wanted to chime in and say, like others, be very careful of flood...
View ArticlePersonal Finance (Not Investing) • Taking Social Security - My realization
^^^^That's one of the best explanations I've seen in a long time. Simple, clear, and concise.this analysis assumes that there is no opportunity cost associated with withdrawing $272,736 from your...
View ArticlePersonal Finance (Not Investing) • Looking for Info on Cash Defined Benefit...
I am 55.I have about $110K of schedule C income. I max out my contributions to a solo 401(k). I max out my contributions to my 403(b) from my W-2 job.I am wondering whether it is worth exploring the...
View ArticlePersonal Finance (Not Investing) • Financing a new home build—seeking advice
Your net worth of 5.1 million dollars will drop to about 4.1 million once you tear out your current house. I would sell and move.Statistics: Posted by bltn — Sun Oct 20, 2024 11:10 pm — Replies 3 —...
View ArticlePersonal Investments • Another "Won the Game" question
Asking for a friend. So this is all the info I have.Current information?$8 million in CDs$17 million in Total Stock Market, SP500 and International (All Taxable Accounts)$1 million in Total Bond Fund...
View ArticlePersonal Finance (Not Investing) • Medicare - variances by state?
As others have said, for traditional Medicare, it is the supplement plans that vary by state, and from what I have read here, those variations can be significant. Some states let you move from...
View ArticlePersonal Consumer Issues • Potential Job Relocation - Washington D.C.
Grew up in the DMV and moved to Florida 5 years ago ish.I don't know much about the city itself (museums are great, important buildings like the Capitol are cool too) but Northern VA was a great place...
View ArticlePersonal Investments • Selling Ibonds
You should be able to sell them in November 2024.You can confirm by checking this website: https://treasurydirect.gov/BC/SBCPriceEnter the issue month and year and check the Note column. If Note is...
View ArticlePersonal Finance (Not Investing) • Inheritance for kids - a simple option?
I’ve seen it argued that “to my children per stripes” excludes predeceased children, in contrast “to my children in equal shares, provided that the issue of any child that predeceases me shall receive...
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