Personal Investments • Rebalancing AA, glidepath, and 457 for early retirement
There is no way to know now which will turn out "better". Stocks could outpace bonds or we could go into one of those decades where bonds outpace stocks. The important thing is the AA of your...
View ArticlePersonal Finance (Not Investing) • Interesting estate situation
Upon further review, please avoid personal relationship aspects and focus on estate planning.This thread is now unlocked to continue the discussion.Statistics: Posted by LadyGeek — Thu Jun 20, 2024...
View ArticlePersonal Finance (Not Investing) • Scam or IRS Error? IRS 2645C Notice That...
FWIW, I also received the same letter and had posted about it in this forum.I did receive a response from the IRS in the form of another letter. This one said that they needed another 60 days to...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
I merged moongazer's thread into the ongoing discussion.(Thanks to the member who reported the post and provided a link to this thread.)Statistics: Posted by LadyGeek — Thu Jun 20, 2024 6:54 am —...
View ArticlePersonal Consumer Issues • Need bath fans help
I'd call a big plumbing/HVAC company, explain what's going on, and have them do it. You'll pay a major premium, but at least it'll be done up to code and have a warranty. I'd second the opinions...
View ArticlePersonal Finance (Not Investing) • [Another] Per stirpes and Vanguard question
The post just above yours quotes the Fidelity language.Fidelity should use that language on their beneficiary form and other places on their website that describe beneficiaries. Having different text...
View ArticlePersonal Consumer Issues • Follow-up Actionable Housing Post / Affordability...
How about a townhouse? Townhouses are common in my suburban Midwest location. I see a couple of 3/2 units in an excellent school district in the $250-300k range, and my metro area is one of the more...
View ArticlePersonal Consumer Issues • Water Pressure Regulator
They are pretty cheap to replace and our plumber said they have a limited lifespan. You definitely don't want pressure at 90 or 100, even if they are spikes. I'd just get it changed and make sure they...
View ArticlePersonal Investments • Delayed Social Security Calculation
SS increases about 8% per year if you delay taking it. After starting taking SS your yearly benefit is inflation adjusted. I find this inflation adjusted annuity difficult to quantify but if you...
View ArticlePersonal Investments • tax efficient alternative to high yield savings
In that tax bracket, the first thing I would look at is a tax-exempt money market fund. A state specific fund if you live in one of the very high tax states.Was going to suggest likewise. Just know...
View ArticlePersonal Finance (Not Investing) • Should I cash in savings bonds early?
The doubling is a floor of 3.6%Statistics: Posted by bombcar — Fri Jun 21, 2024 6:44 am — Replies 6 — Views 429
View ArticlePersonal Finance (Not Investing) • Health insurance denied one line item -...
If the doc recommends the test, isn't it by default medically necessary?Unfortunately, no. Many doctors are unaware of current official guidelines, research and USPSTF findings.Who should be...
View ArticlePersonal Finance (Not Investing) • No college choice really
If I was any of those schools listed, I would keep raising the price until I had one empty spot in the class I couldn’t fill. Why wouldn’t they? Honestly, if UMICH, UNC charged $200kl they’d still be...
View ArticleInvesting - Theory, News & General • Simple and best short term Schwab fund
I don’t think it is worth the hassle to switch my checking/bill pay to Fidelity even though my HSA is there.Do you all think it makes any sense to have day to day checking and living expenses all at...
View ArticlePersonal Finance (Not Investing) • Can we retire in NYC?
I think you are good as long as one person continues working making 400k. I live in NJ and it is an expensive place to live. Things to consider1) Stability of job for one spouse working. If loses job...
View ArticlePersonal Investments • Will NVidia continue to climb?... sold half so I'm...
I find it interesting that people get sucked into the idea that a stock can only go up forever based on nothing except superb recent performance and a few weak arguments like the CEO (or fund manager)...
View ArticlePersonal Investments • Should we buy out co-owners of rental property?
sell. your yield is 4%. there is a depreciation deduction that will shelter much if not all of that 4%. but there isnt much appreciation potential. and you are on the hook if anything goes awry. and...
View ArticlePersonal Investments • Morgan Stanley vs. Fidelity wealth mgmt???
1.5% Mgmt fees: Morgan Stanley Private Wealth mgmt. Avg. ROI 8.5% past 5 years..98% Fidelity Private Mgmt. Avg. ROI 8.5% past 10 years.0% fees. Put it all in the S&P Index (FXAIX) just like Buffet...
View ArticlePersonal Investments • TIPS purchase at Fidelity. Question about purchase price?
To make things simple:1) you purchased $50,000 par of this TIPS.2) your accrued principal on June 28 will be $50,000 x 1.01332 = $50,6663) the cost of investment on June 28 will be: $50,666 x...
View ArticlePersonal Investments • Dividend Related Question
The drop in share price when a dividend is distributed is not due to shareholders selling shares. The price would drop even if there were no trades around the day of the distribution.This is not true....
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