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Personal Finance (Not Investing) • Coastfire opinion.
I think the problem with coasting is that it makes a lot of assumptions about returns. Echoing what posters upstream said, I think it can make sense to do this when you've reached a portfolio level...
View ArticlePersonal Investments • How much cash in checking account in retirement
About 2 months in checking. We transfer money as needed from brokerage. Our checking account rate is near zero.Statistics: Posted by Wiggums — Mon Jun 17, 2024 6:23 am — Replies 7 — Views 649
View ArticlePersonal Finance (Not Investing) • Expense drop 1% per year on retirement?
For me the bumpy expenses make the differences in retirement. Say we spend 80K a year in retirement. Say we redo a roof on year one / spending is up 20%. Two years later we buy a used car. Ditto....
View ArticleInvesting - Theory, News & General • How retirees actually withdraw
I suspect this "laissez-faire" attitude might change if we have a prolonged bear market...Agree. A strong market for the past 15 years with relatively short downturns provides a lot of leeway.I agree...
View ArticleInvesting - Theory, News & General • Im 73 and confused about AA
FWIW, Vanguard Research in a Dec 2023 report said, "Given changing risk/return tradeoffs, the TVAA (time varying asset allocation) portfolio reflects a decrease of 19 percentage points in the equity...
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Personal Consumer Issues • Is it worth moving to Florida for tax purposes
I live in Maryland, too. I'd rather lose some money than move to Florida.As a local and long time Floridian I wish more people would take this view . Population down here has exploded. Kidding aside,...
View ArticlePersonal Investments • Asset Allocation Calculations across Portfolio
Looks ok to me. I would only have VTI in taxable and no bond in Roth.Thank you for your response. I am going to consolidate VTI and VOO into just VTI for U.S. Equities allocation.Do you mind...
View ArticlePersonal Finance (Not Investing) • Need help balancing price, quality of...
I am considering the purchase of a home. The one-way work commute would be 29 minutes from a home in Area A, 37 minutes from a home in Area B.Area A - near the highway, highly desirable shopping and...
View ArticlePersonal Consumer Issues • Favorite day trips from Florence Italy
Siena is an easy train ride from Florence Santa Maria Novella train station.If you are find of medieval Italy, San Gimignano is the one that stands out on your list: it is one of the few cities that...
View ArticleInvesting - Theory, News & General • Getting out of single stock position
Rip the band-aid and de-risk the concentration of stock position/employer. No one knows the future, but there are scenarios where there is tough economic news, the stock dips and the employer has a...
View ArticlePersonal Investments • Why can't I make mutual funds exchange?
You can always give it a try and see if it works.If the tax loss harvesting opportunity presents itself, that's my intention.Or you could try a small dollar amount with two existing funds.Statistics:...
View ArticlePersonal Consumer Issues • Roller shades for windows
Thanks. Good to know these are still available. I had a useful conversation with justblinds.Statistics: Posted by AAA — Tue Jun 18, 2024 6:02 am — Replies 3 — Views 501
View ArticlePersonal Finance (Not Investing) • Social Security in Gray Divorce
I am currently going through a gray divorce. Married 35 years. Neither of us is retired yet. A family of modest means. My husband has a state funded teachers pension that I am seeking a portion of. I...
View ArticleInvesting - Theory, News & General • Help Me Understand Vanguard's...
You can always manually move money from the settlement fund to VUSXX. You can easily send money from VUSXX directly to your bank or exchange to other funds. And it’s looking like Vanguard will soon be...
View ArticlePersonal Consumer Issues • Fidelity Credit Card for Best All Around Card?
I have FIA ELan 529 2% reward Card for 24 years since my 1sk was born. It helped my kid through college.It wasn't Elan 24 years ago. We haven't had our FIA cards quite that long. I think maybe 16...
View ArticlePersonal Consumer Issues • breathalyzer as an optional car safety upgrade
i have an idea but i have never heard of anybody doing this, so i wonder if it's even possible or is there a good reason why nobody does it.my idea is to voluntarily install a breathalyzer ignition...
View ArticlePersonal Finance (Not Investing) • What to do to leave a legacy?
First, as others have noted, you need to select your desired charities. Giving $1M plus to a small charity all at once could lead them to over-invest in new programs they cannot support in the long...
View ArticlePersonal Finance (Not Investing) • [New Retirement Planning (NRP) Software]
I have asked the New Retirement development team if they plan to offer a way to see the plan in today's dollars. I was told that the feature is in the works and will be available in roughly 90...
View ArticlePersonal Consumer Issues • Is there any thought on an end to the housing...
People need to live somewhere. justworld,It does not mean overspending on a house is the only choice. Rent instead. Unfortunately, that is a foreign concept to many.KlangFoolStatistics: Posted by...
View ArticlePersonal Investments • Is Primecap open to new investors?
Logged onto Vanguard brokerage account.Did not see “closed” designation until I attempted to purchase into fund. Then I saw closed message for both primecap and primecap core.Statistics: Posted by...
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