Investing - Theory, News & General • Bond fund choices in retirement -...
We don’t do corporate bonds as we take corporate risk on our the stock side of our portfolio. I am curious about this thinking, as this is something I am also considering.VG rates the Short Term...
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Personal Consumer Issues • Stay in Downtown LA or?
We are going to LA for 5 days next week and like to stay at Marriott Residence Inns.This is the summer concert season in LA, but I am not sure if your trip would include Grand Performances downtown,or...
View ArticlePersonal Investments • How to buy 3 month treasuries
Thank you all so much for the crash course in bills!I don't understand how one can buy a bill on the secondary market (for example, one that was auctioned by the govt at an earlier date) and still be...
View ArticlePersonal Finance (Not Investing) • Big jump in Umbrella Insurance premium
My American Family 1mm Umbrella went from 205 to 480 last fall. How's that for a % increase?They have Auto and HO with no losses, so this was evidently a blanket increase for everyone in AZ.That's...
View ArticleInvesting - Theory, News & General • How much portfolio loss can you...
To clarify it is how much loss you take before you change your plan.Most people average in, and out, over many years. Marking to market and even with bonds there will be point to point volatility and...
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Personal Investments • Portfolio contents
the first step in deciding where to put that money to work is to choose an AA (for which a main factor is risk tolerance). This is where I am stuck. This is the correct first step (having the cash...
View ArticleInvesting - Theory, News & General • Expectancy of selling options
Options are zero sum game. Sort of - the reason why it isn’t are usually covered in graduate level courses.This is my day job. This is a deep nuanced subject. Feel free to ask me anything.The standard...
View ArticleInvesting - Theory, News & General • When Bonds Beat Stocks, 1800-2020
You can also bet against both the bond index and the stock index by selecting particular equity positions. I don't own any Berkshire myself but I believe it's almost certain that Berkshire will...
View ArticleInvesting - Theory, News & General • gougou's shareholder yield strategy
I have already provided you the model. Expected return is yield + growth + multiple expansion. Yield is obvious at 10%, growth is estimated to be 5% plus, and multiple expansion is another 5%. You are...
View ArticlePersonal Investments • Mechanics of Roth Conversion
I will note, it's perfectly fine to take that RMD money and add it to your brokerage account - no one forces you to spend it!"Brokerage accounts" have nothing to do with this. They are just accounts...
View ArticlePersonal Consumer Issues • How do you find a payphone today if you needed...
VA does have the registry. By Code, all intrastate pay phones have to be registered with the VA SCC. Chapter 16.3. Pay Telephone Registration Act https://law.lis.virginia.gov/admincode/ ......
View ArticleNon-US Investing • [Australia] Portfolio Review
The over-weighting of the Australian equity market in banks and mining companies is an issue. It certainly makes me uncomfortable. I try to push back against it somewhat by overweighting a small...
View ArticlePersonal Investments • Another Settlement Fund Question.
The transactions take time. The funds earned interest while passing through the Roth settlement fund on their way to the final destination, which paid back into settlement fund. This is a best guess....
View ArticlePersonal Finance (Not Investing) • Am I buying too much condo? NYC $2mm
Personally, I have never liked stretching too much for a house. We have always stuck to ~2x of our annual income which would still give you a generous budget.We are not too far behind you income-wise...
View ArticlePersonal Finance (Not Investing) • Which FEHB Plan Did You Choose And Why?
For the last few years before I retired (in 2018), my wife and I were enrolled in the GEHA HDHP. We invested the maximum amounts into our respective HSAs and haven't yet touched them. At present, our...
View ArticlePersonal Consumer Issues • Need Help Unclogging a Drain
Interesting comments. The AC condensate line is rubber hose from drain pan to tie in just above bathroom sink P-trap. That is clear, water in that is flowing just fine. The AC condensate is the...
View ArticleNon-US Investing • [Singapore] Portfolio allocation
45% MSCI World index [SWRD]5% MSCI Emerging Markets IMI [EIMI]5% FTSE India 30/18 Capped [FLXI]5% MSCI World Small Cap [WSML]20% Local Singapore Government T-Bills20% 0-3 Month US Treasury Securities...
View ArticleInvesting - Theory, News & General • Should you hedge your SPIA with a...
Two technical notes:From the very small print below your first table (my eyes are, I think, about a decade younger than yours, but my optician would have been pleased that I could read that)*If...
View ArticlePersonal Investments • Still have 15 yrs till retirement. Any suggestion for...
I plan on investing time/money in 4 years. A year or so away from target retirement age. So many things will change in the interim.Statistics: Posted by Wannaretireearly — Tue Jun 11, 2024 4:33 am —...
View ArticlePersonal Investments • Just Diagnosed With MS - Rethinking Finances
Welcome to the forum. +1 to the feedback, above. If you have not already done so, consider executing the legal documents you need as part of your support system (durable power of attorney and...
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