Personal Investments • 529 -Saving for college education
Hello I am 44 Yrs old.Have 2 kids, 10 and 6.I would like to fund my kids education completely.Currently has two 529's accounts for each kid, one for the state we live in (tax deduction), Nevada-VG.10...
View ArticleInvesting - Theory, News & General • Here's my portfolio
Every once in a while I get asked for my personal portfolio. It changes a bit over time (I'm a tinkerer), and I've shared it in the past but usually in some other thread. Here it is for reference....
View ArticleInvesting - Theory, News & General • How To Spend More Early in Retirement
Wouldn’t increasing withdrawals during the fearsome SORR window increase risk?Statistics: Posted by snackdog — Mon Nov 25, 2024 3:56 am — Replies 12 — Views 2085
View ArticlePersonal Consumer Issues • What's your opinion on EV for your tech challenge...
After reviewing the Tesla and other EV, the other issue may be the updated interface. The Nissan Leaf for example uses a weird looking ball thing for a shift lever. I feel that this is not going to...
View ArticlePersonal Finance (Not Investing) • Withdraw from IRA before RMDs start
I don't see this mentioned - do you and your wife already have Roth IRAs? You should be aware of the five year rule with Roth IRAs if you don't. (I apologize if I missed this information...
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Personal Consumer Issues • [Should I choose Medigap; If so, basic or high...
From everything I've read about G vs G-HD they are run the same but that is in most of the country. Once you pay your yearly deductible ($240 for 2024) then for G_HD your medical bills come out of...
View ArticlePersonal Investments • Retire From Military or Stay In Longer?
Non-military here.Good friend of mine (retired gov't Director)) gave me this response when we were talking about early retirement and taking into account money, family, and personal time.In the end if...
View ArticleInvesting - Theory, News & General • Temptation to change the investment...
Good morning doc! It sounds like you and I may have similar risk tolerances. I agree with another comment about reducing or eliminating bonds. This has worked well for me. I am not well versed on...
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Personal Finance (Not Investing) • financial real estate question to move or...
I had a previous topic that I posted on to move or not, and it was very helpful to help me understand I must sell my current home to be able to move financially wisely. I realized I just can't afford...
View ArticleInvesting - Theory, News & General • Who holds individual TIPS in taxable...
If I must hold them in taxable (I don't need to), yes, I would hold a fund. And even then, only a short fund like VTIP.I've held them in taxable before. The tax paperwork was no fun.Can you (or anyone...
View ArticlePersonal Investments • Portfolio Review: 100% Stocks, $80K Cash - Home...
Career: Recently moved to academia, tenure track (5-year timeline)Home Purchase: ...maybe in a few years. From a pure financial point of view, you may want to wait to purchase until you've received...
View ArticlePersonal Investments • Single Stock Keep or Sell
that is in a stock witness protection program?I am curious what this unnamed stock is.Sounds super sketchy.Statistics: Posted by watchnerd — Mon Nov 25, 2024 5:16 am — Replies 5 — Views 234
View ArticleInvesting - Theory, News & General • The Norwegian Sovereign Wealth Fund...
This is quite a bogleheads take for such a large fund. Vast majority of their assets is indexing, with just a small active tilt.Sounds like the very smartest money, when it must be invested...
View ArticlePersonal Investments • Fidelity zero funds
Why not just use Vanguard ETFs?Statistics: Posted by bogling — Tue Nov 26, 2024 3:54 am — Replies 3 — Views 305
View ArticleInvesting - Theory, News & General • Some of my friends are hesitant to...
You should probably start with an emergency fund before investing.+1 for this. It is only a personal belief but I wouldn't be too pushy with other people regarding investments. Everyone has different...
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Investing - Theory, News & General • What motivated you to save money?
Poverty.= ambition, self discipline, focus, drive.j +1 for this.Survival was the best motivation to start saving, after that it's diminishing returns.Statistics: Posted by tdgb — Tue Nov 26, 2024 4:08...
View ArticlePersonal Consumer Issues • Visiting Denver in early June. Hiking and other...
Riverside Cemetery is interesting if you are a history buff.https://en.wikipedia.org/wiki/Riverside ... prov=sfla1Statistics: Posted by Django Ii — Tue Nov 26, 2024 4:16 am — Replies 21 — Views 955
View ArticlePersonal Consumer Issues • Windows gaming desktop ~$1,500, recommendations?
there's a bunch of ideas that might be applicable in this 2 month old thread about a gaming PC: viewtopic.php?t=439882Statistics: Posted by pseudoiterative — Tue Nov 26, 2024 4:21 am — Replies 1 —...
View ArticlePersonal Investments • Advice on Roth IRA conversions
I would do the conversion this year, since one conversion is relatively so small that the tax cost isn't onerous. Then you have a year to choose about doing the next one.These days, deep in my RMD...
View ArticlePersonal Investments • How much Roth Conversion after retirememt?
You might consider converting until just below the level that would give you a modified adjusted gross income (MAGI) of $250K, which is the threshold for net investment income tax (NIIT).Statistics:...
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