Investing - Theory, News & General • Buffered ETF's
Depending on what age they retire, which is usually around 60, two things happen that are very difficult to undo.1. SS starts, and to some they don't understand how SS is taxed and that dividends...
View ArticleInvesting - Theory, News & General • You can save too much for retirement
Saving before and in retirement can pay off in many ways. "Too much?" I dunno, as long as you are able to maintain your desired style of living, as well as insure against unknown risks or events --...
View ArticlePersonal Finance (Not Investing) • Fidelity Monte Carlo Modeling Inheritance??
I was just list it as income in one projected year. You can be conservative with the projected year. You also need to show how the money is currently invested and if you want it to be inflation...
View ArticlePersonal Finance (Not Investing) • LTC Insurance + Annuity - advice sought
I’m just glancing at it, If your numbers are right this is an absolutely amazing deal. I would not let it lapse under any circumstancesStatistics: Posted by ScubaHogg — Thu Jul 25, 2024 1:47 pm —...
View ArticlePersonal Consumer Issues • EV value over time
All helpful replies, thanks. The reality is I do have a fairly low bar, but I would like to buy something that works, needs few repairs, is safe, can be driven for 8-10 years (unless I am leasing) and...
View ArticlePersonal Finance (Not Investing) • What if I’m Not dead but not really with...
The topic is getting derailed on the suggestion of euthanasia. Please do not further derail it on this suggestion.Moderator MisenplaceStatistics: Posted by Misenplace — Thu Jul 25, 2024 1:48 pm —...
View ArticlePersonal Finance (Not Investing) • 1-year from retirement questions: helping...
For those who have followed a couple of my posts, my Mom (turning 62 in Oct) lost my Dad (60) in February this year. I (37) have been helping Mom with finances given this was Dad's area. Their...
View ArticlePersonal Investments • Help us select a pension option (CALSTRS - CA public...
I’m a CalSTRS member, turning 50 this year. My wife is the same age as me. I plan to choose the 100% option when I become eligible. I just wanted to mention a couple of things. First, while there is...
View ArticleInvesting - Theory, News & General • What individual stock has produced...
UnitedHealth Group (UNH). Based on the current stock price my current dividend percentage is 32.8% (8.4/25.63). Purchased the stock on 09/28/2009 for $25.63. I stopped buying individual stocks in...
View ArticlePersonal Finance (Not Investing) • Spending more in retirement?
Of course everyone's situation is different, but here's my data point. I've been retired for just 5 years now. I spend about 30% more per year compared to the 5 years prior to retiring. This was...
View ArticlePersonal Finance (Not Investing) • Stacked vs Unstacked UM/UIM Auto Insurance
You should evaluate your UM coverage limits by trying to determine what you are comfortable with paying for when considering lost wages, your medical policy deductible, potential expenses beyond the...
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Investing - Theory, News & General • (Market Cap) Rotation to Small Cap?
I thought this thread was about Rotation.Or, market leadership is rotating, and whether or not an individual investor chooses to rotate along with it, or ideally, beforehand. Statistics: Posted by...
View ArticleInvesting - Theory, News & General • The Junk in Your Index Fund Is...
I feel like the thesis is that passive index investing earns less than you'd earn if you could magically pick only the stocks that will win.And, well, yes, but...?It's worse than that. It's not even...
View ArticleInvesting - Theory, News & General • Very short term TIPS
Nominal yields on TIPS with < 12 month maturity can be wonky because inflation is often irregular throughout the year, and prices are presuming this will continue. Look up “seasonal...
View ArticlePersonal Investments • Cash at Fidelity
Questions about SGOVI pay state taxes, and use FDLXX. I am interested in moving some $ to SGOV for the higher rate. I understand the very small bid/ask spread. Are there any trading commissions or...
View ArticlePersonal Finance (Not Investing) • Teen wreck - insurance question
To clarify she’s a listed driver on the policy- everything is above board with the policy,etc - when she had her permit she was under my driving record so all the cars were cheap for full coverage...
View ArticleInvesting - Theory, News & General • Psychological impact of dividend...
This is a more interesting conversation than I anticipated back when I posted my first comments and called the anti-dividend crowd zealots.The dividend as a forced sale is a fact on ex-dividend day,...
View ArticlePersonal Finance (Not Investing) • Bank of America Premium Rewards Elite?...
So I look at it this way, for $100 I get a card with four full priority pass memberships and Visa Infinite level travel perks and protections, with 2.625% base spend, and 3.5% base unlimited travel...
View ArticlePersonal Consumer Issues • Questions to ask during minisplit quote
I will echo the comments about getting multiple quotes. We found not only a great range of quoted prices, but also approaches. And while I am no HVAC professional, I do know that warm air rises and...
View ArticlePersonal Finance (Not Investing) • The process of how much to save for...
In your 20's 10% is a great savings rate. There are many things such as building an emergency fund, purchasing a car, home, etc that will compete with investing, As you get raises allocate some of...
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