Personal Finance (Not Investing) • Share your retirement cash flow plan
My tentative plan is to start drawing the pension, then take the annuity, then 401k, then SS at 70, if it is feasible to wait that long, then tap my Roth. All supplemented here and there by savings...
View ArticleInvesting - Theory, News & General • Trading Treasuries (nominal and TIPS)
Vanguard brokerage mechanics for maturing Treasury notes, based on my experience and a conversation with Vanguard:Assume a note maturing on the 15th. Vanguard should get the maturing principal and...
View ArticlePersonal Finance (Not Investing) • SSD Monthly Earnings Limit Issues
If your friend thinks Walmart should be doing something to alleviate the problem, then he should take it up with Human Resources.Walmart corporate may not be aware of the issue.Statistics: Posted by...
View ArticlePersonal Investments • Portfolio Review - Seriously? We could fully retire?
Your expenses are low, you have sources of income, and decent savings.Yes, you could stop working if you wanted to, but each year of working makes it even more certain.You might be able to work a bit...
View ArticlePersonal Finance (Not Investing) • Tax analysis tool for retirement
From Mr. Mustache, this spreadsheet works well.I've been using it since I retired in 2022.https://docs.google.com/spreadsheets/d/ ... =744922949Statistics: Posted by mjg — Thu May 23, 2024 6:11 pm —...
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Personal Investments • Freebies at Fidelity and Schwab
Fidelity sent me an awesome stainless steel travel mug emblazoned in Fidelity green and their logo that makes me look richer than I am. And I get TurboTax from them for free most years. Not the cheap...
View ArticlePersonal Investments • Inherited Annuity Options if lump sum pushes up my tax...
It had not been annuitized, and no early surrender fee.In that case, it seems a reasonable plan to do a 1035 exchange to something "less bad" and then withdrawing (or not) each year until you can take...
View ArticlePersonal Investments • Investing after divorce settlement
I set up the Vanguard account last night and added it to TSP, so next Thursday I can do the next step. Thank you again for all the help!Statistics: Posted by LilySH — Thu May 23, 2024 6:16 pm —...
View ArticlePersonal Investments • POGRX
Primecap Odyssey Growth Fund (POGRX) (ER 0.66)This is my only actively managed fund in my 80/20 portfolio with a small value tilt.I have used it for my ROTH IRA contributions/conversions since 2017....
View ArticlePersonal Finance (Not Investing) • Has anybody filed a complaint against...
I never filed a complaint against them. But if you want to be heard, send a physical letter via USPS Priority mail outlining what you have done and the responses you received. Send the letter(s) to...
View ArticlePersonal Consumer Issues • Drilling into concrete foundation (for mounting...
I bought a cheap corded SDS hammer drill from harbor freight which is $89 now https://www.harborfreight.com/10-amp-1- ... 64288.html . A hole in concrete takes about 5 to 10 seconds now.Putting in a...
View ArticlePersonal Consumer Issues • New ceiling fan help
I think you can bypass the receivers if you wanted to get all involved in all that. I even like the older separate light bulbs. The one light cover is such a pain to change the bulbs.Statistics:...
View ArticleInvesting - Theory, News & General • Charley Ellis says "Too much in...
What does too much bonds mean?If I can achieve my investment goals without equity risk, why take it?"Too much" means you are actually increasing your risks. In your case that would be unexpected 6...
View ArticleInvesting - Theory, News & General • Victor Haghani on owning TIPS bonds...
Do your emergencies occur in 6 month intervals?I’m not the poster in question, but I’d bet that a lot of financial needs can be shuffled for a few months more easily than they could be shuffled for...
View ArticlePersonal Consumer Issues • Google AI (Gemini Advanced)
These Large Language Models (LLM's) ARE good to help with brainstorming, maybe for some first drafts, and I've seen mixed reviews on editing suggestions. For facts or advice, I'd heed the words of...
View ArticlePersonal Investments • Tax-harvesting - how to guide and whether to just use...
Just got off the phone with a Fidelity advisor today, who is also recommending the use of the "Fidelity Tax Managed US equity index Strategy" which is NOT an index fund but is actually a selection of...
View ArticlePersonal Consumer Issues • Kaiser Permanente Spam Email
You sure that's coming from Kaiser and not some scammer? It's trivially easy to spoof a sender's address and medical bill payment reminders seem like a good way for a scammer to make money.Statistics:...
View ArticleInvesting - Theory, News & General • Did Bogle say that a 50/50 portfolio...
I think 50/50 portfolios sound simple and easy for many retirees. Not a whole lot different than 60/40. But I can’t imagine giving such a recommendation to an investor 20-30 years away from...
View ArticlePersonal Finance (Not Investing) • PrePay Discount Offers for Medical...
I bet they would also offer a discount if you paid it very soon after they bill you.Statistics: Posted by Supergrover — Fri May 24, 2024 6:33 pm — Replies 5 — Views 269
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Personal Investments • Quick questions about buying 5 year treasury
Unlike a bank CD, the coupon payments are not reinvested in a brokered CD. There's also not an early withdrawal option, instead you'd have to sell the CD. Since they are not that liquid, I would only...
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