Non-US Investing • Big Mistake! [out of the market]
I would reconsider that one's reactions to investing dont have to be "all or none" - i would adjust your investing by 10%-20% of funds and get comfortable, and then increase or decrease as the weeks...
View ArticlePersonal Investments • VMFXX vs VUSXX
My question is - is there any significant difference in state tax because of the repurchase agreements and non-treasury? i.e. will my state (Illinois) tax VUSXX differently from VMFXX? I want to keep...
View ArticleInvesting - Theory, News & General • Retirement withdrawls
For all readers this is a reminder that a good system is to maintain a target asset allocation by adding to during accumulation or withdrawing from during retirement so as to drive the allocation to...
View ArticlePersonal Finance (Not Investing) • Step Up in Basis
s this true or not?Depends on the state of residence.Statistics: Posted by livesoft — Mon Dec 09, 2024 7:46 am — Replies 1 — Views 51
View ArticlePersonal Finance (Not Investing) • has anyone used the indirect rollover...
… it would be a direct transfer or rollover, even if you had the institution send you a check. (like if you wanted to, you could have Vanguard send you a check as a distribution, and send it to them...
View ArticlePersonal Finance (Not Investing) • Seeking Experiences with GEHA's HDHP with...
TallGuy 1938 The $2000 is first in first out. So yes either can use the full amount in the HRA . They pay by law in Hospital and physicians who are part of the Medicare program the Medicare approved...
View ArticlePersonal Finance (Not Investing) • Paying for rent is throwing away...
I have loved, loved, LOVED the tremendous amounts of dumb luck that comes my way, and will keep arms open for more that is coming! With housing, the choices made along the way were purposeful,...
View ArticlePersonal Investments • TIAA annuity
It was not asked about, but given the interest in survivor benefits and guarantee periods on Bogleheads, it should be noted that TIAA says that these options are actuarially equivalent. In other...
View ArticlePersonal Finance (Not Investing) • 36 month emergency fund
With that large of a EF, it makes sense to optimize a bit more, even if you want to keep risk that low. That HYSA is lower than T-Bills and is going to drop in advance of rates. On top of that, if you...
View ArticleInvesting - Theory, News & General • Bill Bengen: We Should Market Time...
It doesn't matter.You can put in a smaller withdrawal rate and it still loses to inflation over that period.Change it to 33x an you're down to $562k in inflation adjusted terms.To your (Watchnerd's)...
View ArticlePersonal Consumer Issues • Elliptic Curve Cryptography
Original poster here. I thank everyone for their replies. I need to do a lot more research on this subject to better understand it. Cryptography has certainly changed since the days of the simple...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
All that said, the feature that is great about the CMA is the automatic liquidation from money market accounts to cover debits and the ability to have a money market as the core cash position. There's...
View ArticlePersonal Finance (Not Investing) • Potential transition from Defined...
In my mid-40’s I thought I’d never retire. Just turned 55 and looking forward to retiring next year. Just a thought!Statistics: Posted by Zipster — Tue Dec 10, 2024 7:54 am — Replies 4 — Views 345
View ArticleInvesting - Theory, News & General • The 4% Rule - Tested on Different...
Always good to do the math, but please refer/look at ERN: https://earlyretirementnow.com/They've done what you have done, and a ton more. May you find it interesting!And, if you're looking to deal...
View ArticlePersonal Finance (Not Investing) • H&R Block 2024 software offer
Challenge accepted. You can do this in Windows PowerShell (command line) Get-FileHash (Microsoft.PowerShell.Utility) - PowerShell | Microsoft LearnI have a different file, but here's the result:>...
View ArticlePersonal Finance (Not Investing) • Roth conversion to top of 24% bracket
Changed my mind when Fidelity brought up......Who at Fidelity said this? Unless you are in a situation where estate taxes will be a problem it is really hard to justify doing Roth conversions even in...
View ArticlePersonal Consumer Issues • gas stoves leak gas even when off?
There are many reasons why the greatest chefs on this rock use gas and propane stoves/ranges for cooking. They are unbeatable for cooking and I’ll not say what I’d like to say about the other gadgets...
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
December 2010 (Age 32) - $100kDecember 2011 (Age 33) - $111kDecember 2012 (Age 34) - $200kDecember 2013 (Age 35) - $373kDecember 2014 (Age 36) - $497kDecember 2015 (Age 37) - $535kDecember 2016 (Age...
View ArticlePersonal Finance (Not Investing) • FAFSA Question - "IRA Rollover Into...
My 5a is pension amount and 5b is blank or Rollover word. So 5a-5b will be equal the pension amount?Yes. I just checked my tax returns with 401k rollovers - 5a is the rollover amount, 5b is blank, the...
View ArticleInvesting - Theory, News & General • Let's Talk SPX Box Spreads
Then the market maker realizes that there are too many sellers, and thus lowers the price (ie, increases the interest rate). Whether the MM has access to SOFR rates isn't relevant; they will buy the...
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