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Personal Consumer Issues • What Movie Have You Recently Watched?
Smile and Smile 2 when it came out in the theater the next day.Good plot and keeps you interested, not good for getting a good night's sleep though .Statistics: Posted by retireIn2020 — Wed Oct 23,...
View ArticlePersonal Finance (Not Investing) • Mother gave all personal info to scammer...
You could be set as the "trusted contact" on the Schwab account if you aren't already.Statistics: Posted by Makefile — Wed Oct 23, 2024 11:38 pm — Replies 2 — Views 189
View ArticleInvesting - Theory, News & General • Regression to the mean
What will the market do next year? Galton and Kahneman would say base your behavior on the long-term average (10% nominal). Next five years? 10%. Next 20 years? 10% Notice that regression to the mean...
View ArticlePersonal Finance (Not Investing) • Preparation for solo aging at home
The tread aging-at-home vs nursing home for the kinless that had 10557 views is locked due to Death with Dignity and related discussions. Respectfully, hopefully, someday such discussions will be...
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Personal Investments • Roth conversions ?
Eric, Let me know if/when you see the consensus. I’m ignorant. Lacking consensus, we’re on our own. Paralyzed by indecision or willing to strike out on our own personal behalf. There’s no shame in...
View ArticlePersonal Investments • Retirement: Can I do it with what I have?
It sounds like you are talking about having no further income and doing a nine year bridge to Social Security on a nest egg of $550k? Unless there is more to it than this I don’t like the odds that...
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Investing - Theory, News & General • Should our allocation be changed to...
With the run up in the market, and seeing all the posts about this and that ratio at or near all time highs, I have been thinking about changing our allocation to a more conservative one. We are...
View ArticleInvesting - Theory, News & General • DFA: Mostly TIPS at retirement
This is an interesting contrast to Vanguard.5 years from retirement, DFA target date funds are:38% Global Equities5% Global Bonds56% inflation-Protected BondsRetirement Year to 10 Year Post...
View ArticlePersonal Finance (Not Investing) • Rule of 55: But need advice.
You and spouse have hefty balances in retirement accounts so I think its reasonable to start withdrawals as soon as its reasonable to reduce the tax bomb effect. What will your wife gain by working...
View ArticlePersonal Finance (Not Investing) • Advice on car repair
The question becomes; Can you afford a new car?If you can afford a new car, just get one. Trust me, new cars are nice.Statistics: Posted by retireIn2020 — Thu Oct 24, 2024 11:21 pm — Replies 16 —...
View ArticlePersonal Finance (Not Investing) • [Looking for bank recommendations]
I've been with the same bank for more than 40 years. It was a local bank when I started. Now it's a super-regional. I know there are better options out there for me, and I'm hoping for some...
View ArticlePersonal Finance (Not Investing) • Credit card to maximize the value from big...
I have a big purchase coming up in next month and am trying to see which credit cards should I consider applying for - to maximize the cash back. The CC amount is going to be north of...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
Just logged in to Fidelity and the accounts page design has been updated. Looks nice.It does look cleaner, but they've shrunk the size of the text, so not sure I consider it an...
View ArticlePersonal Investments • Roth 401(k) option at work
Not many. I can't remember telling anyone to prefer Roth 401k contributions. I've recommended a mega backdoor Roth after maxing the 401k several times. Since you're living it up in bracket 24, do a...
View ArticlePersonal Investments • Making the decision to retire
I’m 61 (wife 53 and already retired). No debt, no dependents.MoneyGuide pro gives us a score of 86 with us living to nearly 100 (comfort zone is supposedly a score of 75-90).Our initial pre-Medicare...
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Investing - Theory, News & General • Can index funds ‘dry up’?
I was pondering a question about index funds.So:Presumably companies that issue stock (e.g Apple) have a finite number of shares they can issue. If that’s true, as investors keep on buying index funds...
View ArticleInvesting - Theory, News & General • Barrons article on investing in...
If you believe in equal weighting, then you likely believe in factors, since they explain the difference in return between equal weight and market cap weighted funds. And if you believe in factors,...
View ArticlePersonal Finance (Not Investing) • ["Should I consider buying a deferred...
I split my SPIA across two of the large companies. Maybe not really necessary but I feel better about it. It was an extra hassle though. Different companies have different processes, so going with...
View ArticlePersonal Investments • structure settlement vs lump sum help
What is the settlement if you don't use the structured settlement company?Will the settlement be taxable or non-taxable?I would ask your lawyers if they receive any sort of commission or compensation...
View ArticlePersonal Finance (Not Investing) • Did your retirement go as planned?
Just curious to learn from those who’ve already started their retirement journey ...Yea, after being retired 10 years, I've got about 50% more money at this point than my most optimistic...
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