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Personal Investments • Sell Bond Index Fund and Buy TBills
I am considering selling all of my FXNAX (my fixed allocation) and auto-rolling T-Bills. Is this a bad idea? This would be a part of my annual review and re-balance. Thanks.FXNAX is total bond.I don't...
View ArticlePersonal Finance (Not Investing) • K-1 and Box 18C
Ok thanks.The instructions I provided were from the IRS Partner's Instructions for Schedule K-1 (Form 1065). My specific K-1 does not have that note as well.I have convinced myself that I too don't...
View ArticleInvesting - Theory, News & General • Anyone using the Foreign Bond asset...
Right. Making the straightforward assumption (no guarantee) a serious US federal debt crisis would sharply lower the value of the USD v other Developed Market currencies, much of the diversification...
View ArticlePersonal Investments • sequence of withdrawals during retirement--differing...
"There are some articles on this subject that are also typically addressed by CFP's - here is one from Vanguard:The traditional wisdom has been that higher future tax rates make conversion more...
View ArticlePersonal Finance (Not Investing) • Medical bill received 4.5 years after service
The expense is valid and you know you never paid.The OP has not responded so we don't know whether the expense is valid or not, and nobody does unless we have the EOB and the itemized lab bill....
View ArticlePersonal Consumer Issues • Hire a mechanical engineer for heat pump?
Isn't it a thing nowadays that if you have issues with ducting, you go the "mini-split" route. Instead of having one central unit that pipes the air to each room (and associated returns), you end up...
View ArticleInvesting - Theory, News & General • Asset allocation across accounts...
I'm a bit confused by this as to how to factor in future and, let's be honest, undetermined SS benefits in balancing portfolios TODAY. Or if I even should. Practically speaking, I understand the...
View ArticlePersonal Finance (Not Investing) • Patelco Credit Union Ransonware Attack
I think it's worth considering bank diversification these days. I could get money relatively quickly from my regional bank with a local branch or from my accounts at Schwab or at Vanguard (although...
View ArticlePersonal Finance (Not Investing) • SSI $2k asset limit
Is there a ground lease/rent for the trailer that could be prepaid? Yes, maintenance or any necessary repairs would be good, but not upgrades (i.e. frugal rules). Dental or medical bills...
View ArticlePersonal Consumer Issues • Arborvitae care
Green Giant is a specific cultivar. Did they give you the nursery tags? What is the sun exposure like?Three different certified arborists have told me (about various shrubs) that there is NO case...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
You invest in businesses (either via their equity or their debt) because both generate cash flows and therefore are investments not speculations. So that narrows down the haystack considerably....
View ArticlePersonal Finance (Not Investing) • Roth IRA inheritance limit
If it is really in the high 8 figures (meaning greater than $50 million), then you, or rather your parents, should be seeking top notch legal & estate planning advice from attorneys regarding...
View ArticlePersonal Investments • VBTLX exit strategy
I made some significant portfolio allocation changes toward intermediate term bond funds and away from 100% equities roughly in the same timeframe. Lucky me. Would not sell right now.My plan, as far...
View ArticlePersonal Investments • How do I get to the RMD info page at Vanguard?
How do I get to the RMD info page at Vanguard? I want the page that shows me the RMD and how much I have already taken taken.Have you tried "Retirement Summary" under the Portfolio tab/menu?There are...
View ArticlePersonal Finance (Not Investing) • 2024 Roth Conversion in 24% marginal tax...
Other beneifts: Roth conversion will reduce the amount subject to potential MA estate taxes by the taxes paid. Heirs get to spend 100% of a Roth but must pay income tax on a tIRA.At your level of...
View ArticlePersonal Consumer Issues • Sump pump backup - suggestions
The only backup system that can work for a longer period is a water power based backup.The battery ones can work for 1-4 hours.If both the electricity and water fail, then an ice cream pail is...
View ArticlePersonal Consumer Issues • Basic laptop for home use
Well, it finally happened. My company locked down some things, so I can no longer use my USB drive with all of my files (bills, investments, etc.) on my work computer.So, after nine years without, I...
View ArticlePersonal Finance (Not Investing) • Mortgage Terms on first rental: Need help...
[/quote]Is this the Jersey Shore by chance? I think I saw the identical post on a STR Facebook forum. My suggestion is to watch Mark Kohler YouTube videos. We did the same (cost segregation, bonus...
View ArticleInvesting - Theory, News & General • How do you deal with the all time...
I would obviously much rather have market at all time highs, but I am probably not alone in thinking about the inevitable correction. Since markets go up on stairs and come down in an elevator, the...
View ArticlePersonal Finance (Not Investing) • Social Security
And now thing 4 which makes the first 3 almost irrelevant. Social Security is getting cut to ~78% of current benefits in ~2033. Pretty likely to be better to take it early and invest the money given...
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