Personal Investments • VTIP ETF yield to maturity
Here are the portfolio characteristics for the VTIP ETF (as of 01/31/2024):Yield to maturity: 4.1%Average coupon: 0.8%Average effective maturity: 2.6 yearsAverage duration5: 2.5...
View ArticlePersonal Consumer Issues • Replacing a garage door (maybe)
I obviously can't say an exact price here, but for a basic 16' x 7' metal door without windows, prices should range from $750 to $1,500, including installation. These basically vary based on location,...
View ArticlePersonal Finance (Not Investing) • Form 5500 for i401k, anything else?
I'm an employed W2 with a 1099 side-gig, for which I have an Individual 401k and stuff "employer" contributions in.I understand that I have to file Form 5500 each year, when above $250K in the...
View ArticlePersonal Finance (Not Investing) • Chase or BoA for personal and business...
Consider Gesa Credit Union for personal checking if you are in Washington, because they offer 7% interest on the first $5500 in their smart plus checking + saving account. The account has zelle,...
View ArticleInvesting - Theory, News & General • some turbo tax questions and paper...
If you download the Vanguard 1099-DIV data will it indicate the $ amount of U.S. Government dividend income that is necessary for proper completion of your state income tax return by...
View ArticlePersonal Consumer Issues • Flying to London - Delta or British Airways
This will be our first trip abroad with our 3 kids. These are our options:Detroit to London direct round trip Delta $6250Chicago to London direct round trip British Airways $4200Any suggestions with...
View ArticlePersonal Finance (Not Investing) • RMDs not taken – Does the beneficiary pay...
It is very surprising that the IRS picked up that beneficiary RMDs were not being taken. They almost never do, and IRA custodians attempt to alert beneficiaries of RMD requirements in many cases. And...
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Investing - Theory, News & General • Equity Risk Premium when you're not...
Hi all, Learning about lifecycle investing, using TPAW and some of the underlying math. I have a question about applying it to my circumstances.I'm generally tracking all the uncertainty about the...
View ArticlePersonal Consumer Issues • Upgrade Water Heater Efficiency but Downgrade...
$.13 is about right. How can I estimate WH consumption for, say, three showers per day and a couple loads of laundry per week? 12.2 kw heater. I don't know what the warming mode usage is versus...
View ArticlePersonal Consumer Issues • Question about Solar panels
It's not really revenue, it is savings vs what the utility would charge. If rates go down, savings would be less. If utilities add fees for solar users, that would eat into the savings. Most likely...
View ArticlePersonal Consumer Issues • Getting new car
this doesn't strike me as the most novel and difficult thing in the world. car dealerships sell to first-time buyers millions of times per year. they handle registration and all the other necessary...
View ArticlePersonal Consumer Issues • Specs For Stainless Cable Deck Railing
I never thought about the possible child problems associated with horizontal cables. I guess I'm going to have to try and get someone on the phone in the county building permit dept.Statistics: Posted...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Can anyone offer any advice for how to deal with missing cost basis information?I transferred ETF shares from JP Morgan to Webull and then from Webull to Fidelity. Since Webull doesn't show tax lot...
View ArticlePersonal Consumer Issues • sauna or hot tub, which to get and why?
I am intrigued now mostly by the sauna idea. I am not sure where to put one if we buy. Inside, in an unfinished attic could be nice and convenient. IT is close to a guest bathroom, likely has access...
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Personal Finance (Not Investing) • If I own a house for 30 years and I...
No. If you replace it, your current roof will not be part of what is being sold, after all.So I guess it is better to leave the 1st roof and lay the 2nd over it (which is not uncommon). Since the...
View ArticlePersonal Investments • New portfolio and 401k advice
When logging into my 401k portal, I noticed there was a slider to adjust Roth contributions. However, I have been under the assumption that I wasn't eligible to make Roth contributions due to...
View ArticlePersonal Finance (Not Investing) • How to Estimate Return Rates for...
I use 1% real for planning purposes.Probably to conservative, but that's what I useI thought I was being conservative at 2.5% … let’s check back in 10 years lol … one can buy regular treasuries or...
View ArticleNon-US Investing • Tax structuring for return to UK
Yes - the Gulf.Issue I have is that I have a portfolio, acquired whilst offshore. Trying to work out if I should just leave it offshore, pay tax on divs as they accrue and allow it to compound. Then...
View ArticlePersonal Investments • Vanguard Personal Performance Dashboard Issue
Yet again more Vanguard recent changes are not good and I am hoping they do another update to bring back the lost functionality. As an example you can no longer see how much you have made in dividends...
View ArticlePersonal Finance (Not Investing) • [New York] Estate Bank Account ( is it...
Can you go to a local Bank of America, TD, or Wells Fargo branch and open an account? Those are NY banks. There may be others in SC. TD Bank is probably best for smaller accounts like that.Statistics:...
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