Personal Investments • Living off Social Security
No heirs.Do you mean no children? Maybe you and spouse do have siblings, nephews and nieces.Might any of them assist you or spouse as you age?Statistics: Posted by stan1 — Fri May 10, 2024 9:29 am —...
View ArticlePersonal Finance (Not Investing) • Highly Compensated Employee help
I've made a bunch of posts on this topic, but I know this forum makes research messy. If you are not in a safe harbor plan, your contributions may be limited, or they may be returned. The plan has...
View ArticlePersonal Consumer Issues • Fountain Pens, Typewriters, Handwriting, and snail...
I love this thread. I still have some of that Blue-Black Pelican 4001 ink from twenty years ago. Glad to see it is back. I've been studying calligraphy for a long time and during COVID, lots of...
View ArticlePersonal Consumer Issues • Washer/dryer tenant repairs
Thanks all! Your feedback was valuable in helping me think through this. I’m hearing consensus that maybe it’s best to ask for a change or look for other options. One of the benefits of renting for me...
View ArticlePersonal Investments • Cash allocation in early retirement
Assuming you’ll have no source of income other than portfolio withdrawals, keep 5 years of expenses in cash equivalents.That should get you through the vast majority of stock market downturns, so you...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
Three weeks ago I sent an email to treasury direct and did not get a response. Friday I resent the request and got an immediate response: treasury direct no longer responds to emails. They suggested a...
View ArticleInvesting - Theory, News & General • Bill Gross Says ‘Total Return’...
The total return paradigm was formulated when rates were double digit. Gross noted in his blog that with a 15% yield, the duration of a 30-year bond was down to 6-7 years. This means that rates could...
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Personal Investments • Novice looking for advice
Welcome to the forum More information will be helpful. Please add this information in this format: Asking Portfolio Questions.You can simply add this to your original post using the edit button (the...
View ArticlePersonal Consumer Issues • Risk of using auto pay?
For my regular c.c. online payments, I use virtual c.c. (one for each vendor). I turn them on a couple of days before they are all due and then turn off right after the charge has been done. For those...
View ArticlePersonal Investments • Convince me Florida doesn't have the best 529
Florida requires that the child be a Florida resident to open a 529Statistics: Posted by cowbman — Fri May 10, 2024 9:39 am — Replies 11 — Views 2416
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Personal Investments • We saved nothing for college...BUT...
The real question is how much will you need over-and-above your pensions (and any Social Security for which you are eligible) to support yourselves in retirement?You decided to prioritize saving for...
View ArticleInvesting - Theory, News & General • Vanguard Notice - Update to...
didn't the plague spread to Europe by rats coming off perfectly good ships?NO, it did not.https://www.history.com/news/rats-didnt ... was-humansThen I guess Fidelity and Schwab are screwed then. It is...
View ArticlePersonal Consumer Issues • Wanting to buy the house next door
OpHere is instructions link on Colorado court without a willhttps://www.courts.state.co.us/Forms/PDF/JDF907.pdfStatistics: Posted by retire2022 — Fri May 10, 2024 9:41 am — Replies 32 — Views 5241
View ArticlePersonal Investments • Should every investor (who holds bonds) hold at least...
We use VUSXX (Treasury Money Market) and VTAPX (Short-term TIPS fund). No need for nominal bonds...as a Boglehead...take your risk on the equity side.Statistics: Posted by billyo44 — Fri May 10, 2024...
View ArticlePersonal Investments • What to invest in?
VTSAX and chill. I assume you'll want a vehicle in the next 1-2yrs. HYSA or Money Market for immediate cash requirements.But I worry that VTSAX isn't as good as something such as QQQ, FSELX, or FDGRX....
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
IRS Direct Pay now recognizes Cash Plus (comes up as PNC). I made my extension tax payment last month and it went through fine.This is great news as I now want to use CP for estimated tax...
View ArticlePersonal Consumer Issues • Travel Insurance Medical Only
Thanks everyone. Steve has been very nice and has asked me all the questions you mentioned. We definitely don't need trip interruption insurance, and it's just the two of us, so no family at home to...
View ArticleInvesting - Theory, News & General • Investing, wealth accumulation and...
I feel this discussion relies on a somewhat dodgy premise, and has then gotten sidetracked into the merits of Gold - that latter should be a separate thread.We can take this thread as a counterfactual...
View ArticlePersonal Investments • CD vs sgov [iShares 0-3 Month Treasury ETF] Federal Tax?
I agree, don't invest in that which you don't understand, but box spreads aren't that complicated. The tax rules are based on the options in this fund and the ETF wrapper. New fund for sure, but has...
View ArticlePersonal Investments • Where to go from SGOV
Stocks pretty reliably go up over longer spans of time. We can say no such thing about interest rates, although they have been quite low for much of the 2000's.Ha. Recency bias.Look at the Japanese...
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