Investing - Theory, News & General • MYGA followed by SPIA, versus a DIA
Suppose there was money I wanted to protect from market risk, and that I intended to annuitize for spending money eventually, on X date. Is it generally better to……If you’re absolutely, positively...
View ArticlePersonal Investments • Can we count dividends from index funds as fixed income?
I want to count dividends as fixed income because I think it may be somehow reliable in the case of market downturn so that I don't need to sell stocks. Failing to reinvest dividends is essentially...
View ArticlePersonal Investments • Anyone NOT Roth Converting?
When considering Roth conversions, look at the Widows Penalty - the single tax rate, the higher IRMAA penalties, and the reduced threshold for NIIT.Very true -- and also known simply as the Singles...
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Personal Investments • Best retirement account move for 52 year old!
Some of my friends said I should wait until the market goes down because right now its very high or at least wait until after the election in November.welcome to the group!this advice of your friends...
View ArticlePersonal Finance (Not Investing) • Should I consider a career change at this...
Things have changed in the tech industry in the last few years. There is a lot more job hugging going on now and a lot more people being lead to (not just shown the way to) the door. Sometimes there...
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Personal Investments • WRE's retirement withdrawal plan - of sorts! [forum...
If the choice is MBDR or taxable for savings, then honestly this seems like a no brainer to me - MBDR wins easily. Investing in taxable potentially exposes you to taxes on dividends and capital gains...
View ArticlePersonal Investments • Lump sum or pension given my specific options?
Perhaps taking the pension would give us a more secure feeling than having everything except SS depend on market performance.There’s something to be said for taking only about 12% of your total net...
View ArticlePersonal Consumer Issues • Lease buy out? Volvo XC40 Recharge
I'd only buy if it was EXACTLY what you already wanted. I dont think the price is actually all that great, used EV's coming off lease from many automakers are heavily discounted. The dealerships have...
View ArticlePersonal Consumer Issues • Car problems. Next step?
I hope those are the oem parts? Would be helpful if they listed the Toyota part numbers, the cost of each part, and separately itemized their labor.Yes. They indicated the need to wait for Toyota to...
View ArticlePersonal Finance (Not Investing) • How to help kids with careers
In case you don't know, vetinary schools are very selective. It is more difficult to get into a vetinary school than medical school. There are more medical schools that vetinary schools. I knew a...
View ArticlePersonal Finance (Not Investing) • Cash while travelling abroad
Just back from a couple of weeks in Germany and Austria.Almost everything can be paid with card, but we get 100 Euros from bank ATMs to cover things like the small Vietnamese restaurant that's cash...
View ArticleInvesting - Theory, News & General • TIPS Ladder Manager web app
I input my TIPS holdings manually into your app as you indicated and got it to work that way. Thanks,-bpg1234Statistics: Posted by bpg1234 — Sat Sep 26, 2026 7:29 pm — Replies 266 — Views 87710
View ArticlePersonal Investments • Change funds at retirement if dividends are living...
Yes, if one only needs 1.77% of invested assets to meet annual expenses, there are a lot of options that work just fine, from 100% stock funds to 100% bonds and pretty much anything in between. Great...
View ArticlePersonal Finance (Not Investing) • IRS Refund Freeze and Additional Account...
What do you mean your 570 cleared?I think he means a 571 was issued which basically clears the 570. He still is stuck with the 810. Yes - exactly. To the poster who with good intentions says he'd be...
View ArticlePersonal Finance (Not Investing) • Which IRA (neither is a Roth) to withdraw...
Thanks all! Closing the inherited IRA was my guess but I wanted the group wisdom to confirm! Appreciated.Statistics: Posted by Dregob — Fri Sep 25, 2026 8:47 pm — Replies 4 — Views 54
View ArticlePersonal Investments • Should I use my TIAA Traditional money as my bond fund?
I started this thread right before I was going to go away for awhile, which was dumb. Thanks for the responses and sorry for posting right before I went away and not responding after you took the time...
View ArticlePersonal Finance (Not Investing) • Safe Harbor for 2026 Tax Year
100% of last year is safe harbor.2210 must be filed, and because of its periods, you may owe interest and penalties. Or, by Jan 15th, pay 90% of tax estimated for 2026, and be sure to not be...
View ArticlePersonal Consumer Issues • Roof--probable leak around chimney--what to do?
Thanks roamingzebra, but the attic is finished--it has a painted plywood ceiling and walls--so not possible to see if there are holes. Attic also has two windows that bring in a lot of sunlight so if...
View ArticlePersonal Investments • Cost basis for VBTLX purchase and sale in same month
All your shares were purchased in September?And if so, would this be a case of a wash sale - if shares were purchased but then some shares sold at a loss relative to that purchase price within 30/31...
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Personal Investments • New investor @ 23 years old - Recommendations?
Pray for many, many years of crappy equity markets so you can pile up a huge number of shares of the 2060 fund others have recommended at bargain basement prices. Now, geezers like me wouldn’t like...
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