Personal Consumer Issues • Victim of cyberblackmail. What to do.
I think everyone's information is out there now on the dark web - full name, phone#, address (old or current) SS#, birthdate.Pretty much unavoidable - you have to build up a solid security plan -...
View ArticlePersonal Consumer Issues • How to Move to Linux
I left Windows for my home computer over the crappy Vista version. I tried to move to Linux on my home machine but some of my music software and equipment didn't have good Linux alternatives. If I...
View ArticlePersonal Investments • Which IRA should we convert to Roth?
Thank youStatistics: Posted by Sab1ford — Sat Dec 14, 2024 8:50 am — Replies 2 — Views 119
View ArticleClik here to view.
Investing - Theory, News & General • New Era of Investing Principles?
Not one iota. My crypto/meme stock FOMO lasts as long as my lottery FOMO. The media conflates luck and inherited wealth with skill and intelligence. I don't need to. After a 35 years of investing and...
View ArticlePersonal Investments • CDs or money market
Since you will be spending the money over a two year period, you can keep half of it in the MM fund and the other half in a one-year CD. That would protect half the money from an interest rate drop...
View ArticleNon-US Investing • ETF discontinuation risk
Trying to calculate the probability of any of the below discontinuing over the next 50 years, as it could result in liquidation and an unwanted taxable event.This is a valid concern, and this article,...
View ArticleClik here to view.
Personal Investments • Help with Simple IRA!!
SD777, sorry for the delay. I've been doing some reading on SIMPLE IRAs in the meantime. You should go through this link carefully (as well as re-reading the documentation for your current plan)....
View ArticlePersonal Investments • Anyone else have trouble tolerating bonds?
Thinking I should get more conservative near retirement, I changed my allocation to 85/15 stock/bond. The only thing my bond funds have done since the conversion is decrease in value. I thought the...
View ArticlePersonal Investments • investment advice- 38yr old looking to retire around 55
Thank you for the advice. Ill have to put together a withdrawal strategy. Id say both of those are my reasons to retire in colombia or a country like colombia (cheaper and i want to). Ive travelled...
View ArticleInvesting - Theory, News & General • End of the 2022-2024 yield curve...
Recessions have actually tended to start within a year after the yield curve uninverts.What tends to happen is fear mongering by a certain segment of the population. There was no recession. The yield...
View ArticlePersonal Investments • american funds selling lots by specific ids questions
Years ago my brokerage (TDAmeritrade) kept track of all the Specific ID information even though they were not required by law to do so. It was trivial to sell mutual fund shares "Versus Purchase"...
View ArticlePersonal Finance (Not Investing) • Engineers - when did your yearly raise...
I have been with the same engineering firm for 40 years. For the first 20 years or so, my raises were spectacular. At about the 20 year point, the raises became noticeably more modest - essentially...
View ArticleClik here to view.
Personal Consumer Issues • Looking for a cd-based sound system
And if you buy it from Qobuz, you don't have this problem either. There are also 6 tracks on "disc 2" of the deluxe edition that aren't licensed for streaming. But if you buy the high-res version for...
View ArticlePersonal Consumer Issues • What do you all pay for TV and internet? rates...
The way to pay less for internet and TV is to be a disloyal customer. Sign up as a new customer every 12 months to get the new customer pricing. (This is easiest to do if you have a spouse, but can be...
View ArticlePersonal Consumer Issues • Best Approach on home sale closing before finding...
Sorry the question is not clear. We just bought a new place first and bought it with our own funds plus taking a few hundred K temporarily out of our retirement account as a roll over for 60 days....
View ArticlePersonal Investments • Should we start doing Roth conversions?
For 2025 we have decided to contribute ONLY to Roth accounts. You currently have about 1.5 million in tax-deferred accounts. That is more than plenty, in my opinion, considering that you have pensions...
View ArticlePersonal Investments • Financial Advisor Referral? (Western NC)
If that is their only question, why not get them to post on Bogleheads? Stinky is quite knowledgeable on all things annuity.Statistics: Posted by Dufus — Sun Dec 15, 2024 9:02 am — Replies 1 — Views 153
View ArticlePersonal Finance (Not Investing) • Where to open a SEP IRA?
Choosing traditional or Roth is indeed a very difficult question involving long-range tax planning. If you like I can run your numbers through my tool written for this purpose.I forgot to say thank...
View ArticlePersonal Finance (Not Investing) • $1 M Roth conversion.
OP here.I will try to answer some of the questions asked.We do QCDs to the extent that we are charitably inclined. ALL donations come from IRAs. Our approach to charity is that it is the donors...
View ArticlePersonal Investments • Retiring at 39 & 100% Out of Stock Market - How to...
Hi all - I am 39 and will soon have enough to stop working for the rest of my life, while using a conservative 3.5-4% withdrawal rate which I am confortable with considering I live somewhat minimally....
View Article