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...
View ArticlePersonal Consumer Issues • what to do with old home movies ??
So I knew a man whose father had been an LTC in Vietnam, and had taught at West Point.(Interesting story. A helicopter blade had clipped his head. An African-American GI jumped on the helicopter and...
View ArticleInvesting - Theory, News & General • Robinhood 1% DEPOSIT Match
Guess it may make sense to turn off DRIP, for the subtle arbitrage of the deposit boost?Edit: I guess there isn’t a way to get the dividends auto deposited into bank account so it would be a...
View ArticlePersonal Investments • 2024 Transcripts
I have seen some folks on Reddit say that 2024 account transcripts are available showing estimated payments made this year. I have never been able to see my estimated payments on account transcript...
View ArticlePersonal Investments • Fixed Income and BND
Is there a better alternative to BND? Is now a good time to buy or wait until the Fed raises rates? What about a managed fixed income fund?The tradeoff is this. Your VMFXX Federal Money Market Fund...
View ArticlePersonal Investments • Retired - how many years non equities
There is nothing to stop you from taking your RMD and immediately investing it back into the market in your taxable account. That alleviates your concern about selling when the market is...
View ArticleInvesting - Theory, News & General • 2024 Updated but Reverted Fed Tax...
The inflation adjustment also changes, since the old rules used CPI values for the proceeding calendar year (ending Aug 31) instead of C-CPI-U values. See Title 26 Section 1(f)(3):...
View ArticlePersonal Finance (Not Investing) • Where do I get a loan for $200k
I was told pentagon federal credit union offers equity loans on condos I do not know if this is true. If not can you do a cash out refi on the condo to raise the money?It would take my interest rate...
View ArticlePersonal Investments • Move ALL my money to Vanguard?
I have zero assets at vanguard but a large percentage of holding in vanguard products because etfs can easily be held anywhere and I have used that to move them around generating thousands of dollars...
View ArticlePersonal Investments • Son's First Job - Traditional or Roth 401K?
As someone who had to make this decision around the same age (currently 25) I leveraged a Roth IRA and later a 401k when I had the option. The n top of some of the reasoning from others, consider the...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
@cb474, isn't locking and unlocking the debit card instantly in the app or online easier? Do you use the debit card all the time to make that annoying and just want low limits to make it safer since...
View ArticleInvesting - Theory, News & General • Value premium - use a small cap...
In this episode of rational reminder: https://rationalreminder.ca/podcast/306 it seems Wei Dai is advocating for a broad based index with value tilt to ensure you capture the premium instead of a...
View ArticlePersonal Investments • Thoughts on mid caps?
If one’s goals have been met with underperforming factors for many decades, then one could have exceed those same goals with a lot less volatility, complexity, stress, and hand wringing with a simple...
View ArticlePersonal Consumer Issues • HVAC Drain Pan: Upsize Quote
It’s not clear to me how the water damage occurred. Can you clarify?Your pan has a safety switch that should have turned the unit off if water accumulated in the pan from the clogged drain. The water...
View ArticlePersonal Investments • Where to buy/sell physical Gold
I ended up selling my 20 coins to JMBullion yesterday (thank you smitcat!!). Eight Eagles, nine Leafs & three Krugs. Compared to Apmex, their price was about $600 higher total or $30 per coin...
View ArticlePersonal Investments • Home sale proceeds to VMFXX?
Great bunch of replies. Spot on. Thanks.Statistics: Posted by shapeshifter — Sat Jun 15, 2024 5:36 am — Replies 6 — Views 622
View ArticlePersonal Investments • Vanguard is threatening forced transition within 30 days.
It is not surprising Vanguard is finally forcing the transition.Consider transitioning to the brokerage platform to avoid having your account locked. Then try out Fidelity or Schwab with a small...
View ArticlePersonal Finance (Not Investing) • ESPP Participation (Yay or Nay?)
Many undervalue these plans. Even smart bogleheads.Several folks have said "15% return".Techinically it is a 15% discount which equates to a 17.6% return. (You get 1 dollar and pay 85 cents for it....
View ArticlePersonal Finance (Not Investing) • Anyone wished they had worked a few more...
The only regret I have is that I didn’t retire sooner.Statistics: Posted by Retiredrocketbuilder — Sat Jun 15, 2024 5:51 am — Replies 103 — Views 17751
View ArticleInvesting - Theory, News & General • Why (or at what YTM) does it make...
Our 1st Draft Conclusion (above) envisions two groups.One group that would be willing to buy 20+ yr TIPS at "Any" YTM (if it meets their minimum spending needs) for SWAN purposes because they don't...
View Article