Personal Finance (Not Investing) • how much do you think you need to retire?
Not sure that I could ever come up with what I "need to retire." I'm retired, living a life free of financial concerns. May all of you have that same feeling when it comes your time to retire.So how...
View ArticlePersonal Consumer Issues • Does a SUV have more utility than a sedan?
Personally I have zero interest in both SUVs and sedans. To me the ideal vehicle is the Lucid Gravity. It's a good looking hybrid mish mash of a minivan, SUV and station wagon. At 16.5 feet in length...
View ArticleInvesting - Theory, News & General • Essentially target date funds become...
This seems to be the poster child for the benefit of TD/age-in-bonds style glide path. Of course not identical, but closer than 100% equity until you are at/near retirement (fall off the cliff path...
View ArticlePersonal Consumer Issues • 2023 Retiree Healthcare in Albuquerque?
A Blue Cross/Blue Shield Fed Plan retiree here in Albuquerque. Spouse is now on Medicare and BCBS. I believe there are shortages of certain specialities such as dermatologists. Have not experienced...
View ArticleForum Issues and Administration • Which 1099R distribution code will appear...
Thank you!Do you know what 1099R distribution code will be for Line 7?Perhaps "1.Early distribution, no known exception (in most cases, under age 59½)." Or "N.Recharacterized IRA contribution made for...
View ArticlePersonal Finance (Not Investing) • Problem Taking RMD From Vanguard IRA
Interesting. I wasn't even aware that VG has RMD functionality that is different from just manually requesting one or more Traditional IRA distributions in a sufficient aggregate amount to cover the...
View ArticlePersonal Investments • What to do with Emergency fund
How many months of basic living expenses does $200k amount to? In my opinion $200k for an emergency fund seems excessive. Usually around 3-6 months of basic living expenses is considered reasonable...
View ArticlePersonal Investments • AA in Differing Account Types
This is about how to allocate wealth given the typical spread of accounts.I am familiar with the concept of tax efficiency. I have the accounts most of us do:- An emergency fund of a year's expense.-...
View ArticlePersonal Finance (Not Investing) • Treasury Bond over 11%?
On TD it shows a 29Y 10M bond that auctioned for $88.806438 per $100 on 10/12. I believe that's over 11.2%. Am I figuring that correctly? Why would it pay so high?Statistics: Posted by dcop — Sat Dec...
View ArticlePersonal Investments • Are any of you hidding the fact that you are...
1st of all, I am not wealthy by any stand. 2nd, I have enough savimg to fire my boss. 3rd, I don't need to show off anything. I like to live the life I would like. So I would hid any of my financial...
View ArticlePersonal Investments • 100% Equities for 30 years?
Just do it as long as you don't care about market jitters. I would do total stock market not just VOO.Statistics: Posted by WhiteMaxima — Sat Dec 23, 2023 1:00 am — Replies 41 — Views 2752
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Personal Consumer Issues • What Movie Have You Recently Watched?
Disclaimer: SPOILER FREE review by Vanguard User.A Cinematic tsunami that washed away my tears and left me revitalized. A true tear jerker and it’s the one for the ages!Dunki isn't a movie, yes, you...
View ArticlePersonal Finance (Not Investing) • Prospective Tax Calculators
tax estimate 2023wages,salary,etc............0taxable interest...........20ordinary dividends.....5000qualified dividends.....4800ira distributions.......50000capital gain/(loss)....(3000)total...
View ArticlePersonal Finance (Not Investing) • Final Social Security Payment
They didn't tell you about form SSA-1724, Claim For Amounts Due In The Case Of Deceased Beneficiary.That's supposed to get it for you. But don't get your hopes up. I sent in this form for DW's last...
View ArticlePersonal Investments • Medium Duration Bond ETF Recommendation
BIV is probably the most popular.The duration of BIV and BND are similar.Statistics: Posted by goldendad — Sun Dec 24, 2023 12:27 am — Replies 4 — Views 181
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Refer to the DoctorofCredit for a lot of info on this bonus. Lots of data points.Make sure your WellsTrade account is linked to Premier (takes a couple days to show up as linkable). Yes, cost basis...
View ArticlePersonal Consumer Issues • Men's travel pants recommendation.
Some options from my closetVuori Meta - 5 pocket pant comparable to Lululemon ABC, but imo less obviously synthetic looking. I wear them to golf but also to the office and when traveling for work...
View ArticlePersonal Investments • Tax consequences of over contributing to a 457b
I had a similar problem when I switched employers in the middle of the year. I had maxed out contributions with the first plan and TSP wouldn't accept that. After January 1st, but before April 15th, I...
View ArticlePersonal Investments • Portfolio Review: Please help me consolidate funds...
How do you determine which index a fund follows? I'd like to know how to check which index the funds I have left - FXAIX, FSSNX, FSPSX, PMDQX and PMDEX - follow. Mostly for curiosity for...
View ArticleInvesting - Theory, News & General • Replace Bonds With International...
What a pity there isn't such a thing as, what would you call it, an "inflation-protected security," ...But in big sustained inflation, like USA 1966-1981, that doesn't work well for large taxable...
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