Personal Investments • Tax considerations on bonds for a high income earner
And the idea of leveraging...You should clarify if you mean leverage in the traditional investing sense. At first I thought you were wanting to use leverage, but now I'm thinking not.Statistics:...
View ArticleInvesting - Theory, News & General • I am having FOMO. Please remind me...
Our emergency fund is not invested in stocks, of course. But sometimes I think we should be using a balanced fund. I keep hearing the market is at all time highs. Sometimes I feel we are being too...
View ArticlePersonal Finance (Not Investing) • Renting Until Retirement
There are relevant sources projecting that the average US home price will be over 1 million by 2040.https://www.noradarealestate.com/blog/w ... e-in-2040/Thank you for telling us a joke!Please explain...
View ArticlePersonal Finance (Not Investing) • Contractor (1099) Worker -- 401k and...
Vanguard is transferring their Solo 401K's to Ascensus. Read first post in this topic for alternatives: viewtopic.php?t=429947I'm aware of this and I probably should have made my original post a...
View ArticleInvesting - Theory, News & General • Conservative allocation regrets
There is no known technology that will allow us to go back and change prior decisions so I do my best to avoid dwelling on them except to the extent that I might learn something that affects my...
View ArticlePersonal Consumer Issues • UPDATE: thanks everyone. Can anyone help me find...
UPDATE:Bill Pilburn himself just emailed me and attached a PDF of the arrangement.wow!this is wonderfulI'm so grateful.I've been looking for that arrangement for nearly 30 years.Thanks everyone for...
View ArticlePersonal Consumer Issues • Best suv lane-keeping systems?
These systems are far from perfect. An example from a drive this past weekend:I was on the freeway with a car ahead of me - it was maybe 1 car length ahead. A motorcyclist started passing us,...
View ArticlePersonal Finance (Not Investing) • Personal Loan to LLC, reasonable idea?
As I understand it, we will be able to claim the interest as a business expense, but also have to claim it as income on the personal side. Interest expense incurred during the construction would need...
View ArticlePersonal Consumer Issues • Medicare Advantage Reigns. So Who Still Buys...
I consulted my USAA insurance agent last week regarding possibly considering changing from our Medicare Advantage PPO plan to a Medigap policy. The agent responded that the underwriting "yes-or-no"...
View ArticlePersonal Investments • Help 2 Engineers Start a Family (It is finally...
We do not know what tax law changes might come down in future years. But on the Company stock in the 401K, there is potentially the NUA option which is attractive if the stock appreciates...
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Personal Investments • Small cap lagging large cap in portfolio
If you rebalance you'll be moving gains from large cap to small cap; I don't see how that's accepting a loss?s/he's worried about a future loss after s/he rebalances. It's called market timing what...
View ArticlePersonal Finance (Not Investing) • Inherited IRAs in special needs trusts and...
My questions are:Would that $9000 in RMD income affect the adult child’s SSI or Medicaid eligibility, or eventually SSDI DAC? In other words there are income limits to receiving SSI - would RMD income...
View ArticleInvesting - Theory, News & General • why not dividend stocks instead of...
I am amazed at how many BHs can’t seem to resist tinkering based on recent results. I guess things never change.recency bias is a strong force, not just in finance.Statistics: Posted by jebmke — Tue...
View ArticlePersonal Investments • Vanguard PAS AUM - should I quit?
Thanks, EricGold, for the additional perspective!My only thought is that the pre-tax account might benefit from expertise more than the post-tax account. Not so much in terms of asset allocation, but...
View ArticlePersonal Finance (Not Investing) • Delayed discovery of excess 401K...
Yeah, I hate it too when someone says to just ask my tax advisor, when I am my own advisor! Like you, I do some research and look for someone knowledgeable about the topic to bounce my questions off...
View ArticleInvesting - Theory, News & General • Nondiversification Risk - Vanguard...
Feel free to interrupt anything you want anyway you want. If it makes you feel better, go for it.I just read what's there. No feeling involved (on my part, anyway).But if this is a feeling-fest, sorry...
View ArticleInvesting - Theory, News & General • Buy/Sell vs. Buy/Hold theory question
Hi Forum,An investing theory question my husband asked me that I didn't have a data-driven answer to: What if an investor took the approach of selling their S&P 500 stock position when it hit an...
View ArticlePersonal Finance (Not Investing) • How much cash do you save each month?
You can only save a certain percentage each month if you are diligent about sinking funds. Otherwise, expenses tend to be lumpy across the year. I have spent anywhere from $4k to $11k across a...
View ArticlePersonal Investments • gifting $ to adult children in tax efficient way
Sounds to me that your parents are doing enough without you trying to squeeze more juice from their assets.I said all that I need to say here. Have a good life.I did not ask for one cent. My parents...
View ArticleInvesting - Theory, News & General • Filling the TIPS gap years with...
While the results for Plans 1 and 2 (i.e., but multiple amounts of the bond on one side or the other of the gap) covered in previous posts are useful, there are (at least) two further questions I...
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