Investing - Theory, News & General • After 2022-23, how are we feeling...
Changes in inflation can affect the demand for bonds, but the expected real rate of a nominal treasury is established by the supply of and demand for bonds. Expected inflation can stay flat and real...
View ArticlePersonal Finance (Not Investing) • Yet another can I retire question
What some of the calculators indicate….1. Using the VPW approach it definitely seems possible. https://www.bogleheads.org/wiki/Variabl ... withdrawalBelow is a forward looking example started in 2019...
View ArticlePersonal Investments • Pre-Retirement Q: Pay off mortgage vs Invest???
Wow, first time I posted here and I appreciate all of the excellent thoughts. I'll review and ponder and then go from there. Much appreciated to all, HarryStatistics: Posted by harryshin — Tue Oct 22,...
View ArticlePersonal Finance (Not Investing) • HDHP and HSA for Family or Free Health...
Long time lurker, first time poster.My family is able to get free health insurance through my wife’s plan.We are considering switching to a HDHP and HSA through my available plans. Premiums are $150...
View ArticleUS Chapters • Post your Financial Milestone Announcements Here
Retired in 2019 with 3.2M and with no new contribution, it's now up to 6.5M. Total NW is now above 10M.Statistics: Posted by carminered2019 — Tue Oct 22, 2024 11:13 pm — Replies 3954 — Views 666727
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Personal Finance (Not Investing) • Underground storage tank detected [under...
Agree. Owned the house for 50 years? Maybe they thought you said fish tank It's a strange one.But we have had a house in the family for over 60 years. Things do get forgotten. People age. The spouse...
View ArticlePersonal Finance (Not Investing) • Rough estimate of how much we need to retire?
1/ We seem to be burning about 16.5k to 17.5k per month. Let's use the middle number 17k, so annually about 204k. 2/ Add about 30k for healthcare through ACA, for a total of 234k. 3/ Most of our...
View ArticlePersonal Investments • TIAA "advisor"
DW and I both have Tiaa accounts.We are assigned a kind of team...an advisor, a secretary type, and a hands on person who really gets things done. The upshot is that the get-things-done person was...
View ArticleInvesting - Theory, News & General • What is the "Safe" parking...
Great points... Thanks. But I have to "Try" to plan around what is known. I have faith in the USD... But not a blind faith. I always have a Plan B and usually C in place when needed. Thanks...
View ArticlePersonal Investments • Questions about moving assets from Vanguard to Fidelity
This year, Vanguard started charging a $100 inconvenience fee for closing an account. I was planning to move a small Roth IRA at Vanguard to my TRowe Roth account, but I had missed Vanguard's...
View ArticlePersonal Finance (Not Investing) • AirPods Pro - HSA Eligible Expense?
It will likely depend on what the IRS decides. Apple AirPods Pro 2 are primarily a earphone device with additional features that apparently will allow them to provide a hearing aid function. The IRS...
View ArticlePersonal Consumer Issues • Converting an outside light to dusk-to-dawn
Just keep in mind this timer/sensor is only going to save you less than a dollar a month of power at typical rates, and assuming LED bulbs. So don't spend too much money or effort on it.Statistics:...
View ArticlePersonal Consumer Issues • $2000 water bill - yikes!
Seems I recall the water company offering insurance for leak problems like many described above.Statistics: Posted by valleyrock — Wed Oct 23, 2024 11:22 pm — Replies 65 — Views 7439
View ArticlePersonal Consumer Issues • Where do you buy your furnace filters (not Amazon)
Walmart. They have what I need at a good price.Statistics: Posted by retireIn2020 — Wed Oct 23, 2024 11:24 pm — Replies 25 — Views 1962
View ArticlePersonal Consumer Issues • Natural to Gas Fireplace - Vent Free
We sell vent free units probably 10 to 1 versus vented units. Yes, Google says they’ll kill you and cause all kinds of problems, but if you use them correctly you shouldy have any issues. Natural gas...
View ArticlePersonal Consumer Issues • What are you listening to now
Rock On.https://www.youtube.com/watch?v=-XfmHyG8y-gStatistics: Posted by retireIn2020 — Wed Oct 23, 2024 11:26 pm — Replies 7124 — Views 811403
View ArticlePersonal Investments • Is 4% SWR for FIRE still viable under these circumstances
I don't follow all the calculations, but if you really accumulate $ 2.5 million by age 40, that should be enough to retire, not with much safety. If you figure 82% probability of success, that doesn't...
View ArticleInvesting - Theory, News & General • Business Insider Article: “We heard...
One can only guess the number of people who, if they were able to, would respond “I didn’t retire early enough.” I’m not scared of dying myself, so much as dying before I’ve had a few years to take a...
View ArticlePersonal Finance (Not Investing) • Revocable trust or Will, in California?
If taxable accounts (banks, brokerages) and retirement accounts all have primary and contingent beneficiaries, is a trust even useful? Maybe useful just for the house? Or maybe not? see link...
View ArticlePersonal Investments • 403(b) question
Thanks, all. I will check with HR about this. I thought it was just me who thought the wording was unclear.Statistics: Posted by anglophile — Wed Oct 23, 2024 11:30 pm — Replies 4 — Views 204
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