Investing - Theory, News & General • Question about the reasoning of...
...Thank you very much for the comment! I am totally convinced that Bogle's method is as good as anything else on the financial market . But if we don't believe that the stock market will...
View ArticlePersonal Investments • Thoughts on bonds vs. cash
Stocks and Total Bond are both risky assets. Stocks provide a higher level of return over time for taking that risk. Total Bond return is so low its risk isn't worth it for me. As long as Bogleheads...
View ArticlePersonal Finance (Not Investing) • Looking back were you too conservative...
I will answer for my parents, since the question doesn't apply to me: no, they were absolutely not too conservative. They did several things right: bought a brand-new home that was modest for their...
View ArticlePersonal Finance (Not Investing) • [California] UTMA age of termination
Your understanding is basically correct.For your own education, you can read the official source in California Porbate Code §3900 and §3920.5.https://leginfo.legislature.ca.gov/face ......
View ArticleInvesting - Theory, News & General • Point of Roth 401k contributions if...
The bottom line is that your original after-tax contribution amount is equally accessible whether you initially converted into a Roth IRA, or you did an IRR within the Roth 401k. In the latter case...
View ArticleInvesting - Theory, News & General • Shiller PE now near 39 - 2nd highest...
Can we hit 45 and break the record!?Statistics: Posted by zaboomafoozarg — Tue Dec 10, 2024 8:09 am — Replies 622 — Views 51863
View ArticlePersonal Consumer Issues • 500.00 a Month Reasonable Medicare Premium...
You'll have your part B premium plus the supplement plus the drug plan. Then once you're in it, you'll have deductibles for parts B and D and once those are filled, you pay a co-pay on some drugs. For...
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Investing - Theory, News & General • Which year will I be taxed?...
Will update if I can <mumble> rememberDomadsolo, did you remember ? Statistics: Posted by sycamore — Wed Dec 11, 2024 8:00 am — Replies 11 — Views 2610
View ArticlePersonal Consumer Issues • Question for food preppers, which containers do...
I've also been reading stuff about black plastic spatulas potentially being "hazardous".See this post that discusses How a simple math error sparked unnecessary panic about black plastic | National...
View ArticlePersonal Investments • Delay bridge for Social Security, retirement income plan
I bought my 30-yr TIPS ladder in my tIRA, but nothing says I must spend from that account.In fact, I cannot spend from there (yet) without penalty because I am younger than age 59.5.So, when the 2024...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
I've been thinking this over. I'm not sure I want to open a brokerage account. It's not clear that the brokerage account can be made payable to my Revocable Living Trust. It appears that they want...
View ArticleInvesting - Theory, News & General • Bill Bengen: We Should Market Time...
I'm somewhat of a market timer. I try to sell when things are high, and buy when things are low.In my mind I am rebalancing, and I think that is what I'm doing, but could be wrong!I have rough AA...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
Blood Money - by Peter Schweizer About how China is at war with the U.S., they decided to use unconventional warfare by shipping Fentanyl chemicals to Mexico and are working with Cartels to make drugs...
View ArticlePersonal Finance (Not Investing) • Should I Open a Solo 401(k)?
While you will lose out on QBI, I am fairly certain you don’t pay FICA on the employer contributions.Statistics: Posted by warowits — Wed Dec 11, 2024 8:08 am — Replies 3 — Views 177
View ArticlePersonal Investments • Safe retirement income plan?
Principal of investment portfolio is never touched unless long-term care is necessary. I will be retired and in decent shape to work predicted at least 8 years.Since you will only be 60, why not just...
View ArticlePersonal Investments • Tax treatment of Progressive Corp. Annual Dividend
Is it possible that the annual dividend will be classified as a return of capital?https://corporatefinanceinstitute.com/r ... -dividend/Then the question of qualified or not becomes moot.Here's one...
View ArticlePersonal Consumer Issues • Which video doorbell should I buy?
We've had a Ring wired doorbell for a number of years now and are quite satisfied with it.Statistics: Posted by Catalina25 — Wed Dec 11, 2024 8:11 am — Replies 3 — Views 389
View ArticlePersonal Investments • Vanguard steps for Roth conversion with indirect...
I just completed a Roth conversion with Vanguard a few mins ago. I called them, and they did it all on the phone. Very smooth. Only took about 15 mins including the documentation.I had them do tax...
View ArticlePersonal Investments • TIPS % recommendation?...
Thank you all for the great perspectives! It helps me get a handle on the situationStatistics: Posted by Bill1207 — Wed Dec 11, 2024 8:12 am — Replies 16 — Views 990
View ArticlePersonal Investments • Traditional TSP or Roth TSP?
Is it recommended that anyone with a pension, consider saving more in Roth than traditional accounts?The pension income is a factor to consider, but I wouldn't say that your Roth account should have a...
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