Personal Investments • Retiring early: How much cash to hold to stomach...
DW and I are close to 50, and we plan to retire in 5/6 years.Starting in 2023, I start tracking every expense, so we will know the yearly cost of current life style when we retire then.This cost +...
View ArticleClik here to view.
Investing - Theory, News & General • Modified versions of HFEA with ITT...
Time for an annual update on my portfolio.I have been running 84% domestic equities, 36% intl equities, and 80% ITTs since the start of 2023. After rebalancing at the start of 2024, I have decided to...
View ArticlePersonal Consumer Issues • LASIK pricing
I paid $4k for LASIK at Cincinnati Eye Institute earlier this year. Best money I ever spent. I had an astigmatism and was far sighted. Now I can read the shampoo bottle ingredients from a mile away. I...
View ArticlePersonal Investments • Should my Father cash out his IRAs?
Paying tax to move it to a taxable account makes no sense at all. He should either leave it alone or convert it to Roth. There is not enough information to suggest whether converting to Roth (and...
View ArticlePersonal Investments • Why numerous years of cash cushion?
With cash, you do not need to think about this.In March 2020, the stock dropped 30+% and the bond dropped 7%.Keep it simple. In a crisis, the last thing that you need is one more thing to worry...
View ArticlePersonal Investments • Ascensus Does Not Transfer in Kind
Hello all,I recently let my solo 401(k) move to Ascensus from Vanguard. It is 100% VTSAX with a current value of 245k. I called them to see where I contribute, and I was...not impressed with their...
View ArticleInvesting - Theory, News & General • 401K Stable Value with rising...
Well, here we are, nearly 1-3/4 years later, and my SVF is still lagging far behind the Vanguard taxable MM funds. Code: Vanguard MMFs Stable Value FundDate of OP: 3.6% 2.36% 1/2023: 4.23 2.43 3/2023:...
View ArticleClik here to view.
Personal Investments • Allocation change to reduce risk: Analysis paralysis
This is my (rough) decision tree for choosing bonds.I like it. Statistics: Posted by dogagility — Wed Aug 07, 2024 5:01 pm — Replies 19 — Views 1595
View ArticlePersonal Investments • 401k options - what would you choose?
Too bad there’s no Total Stock Market Index. I probably would put most of my money in Fidelity 500 then add a pinch of Vanguard Mid and Small Cap Index to taste.Statistics: Posted by N.Y.Cab — Wed Aug...
View ArticlePersonal Investments • Should we start doing Roth conversions?
How much of our portfolio do you think we should hold in Roth's?Every penny you can stuff in there. The theory is to model your lifetime projected income (roughly, SS, dividends, RMD, what all) and...
View ArticlePersonal Investments • timing of Solo 401k contributions
Business earnings are the basis for eligible 401k contributions. So to the extent you don’t have business earnings, you don’t have any eligible 401k contributions to make. It is not readily apparent...
View ArticleInvesting - Theory, News & General • The Day The Factors Died
But to believe that the premia will persist in the future, whatever explanation you choose to support your belief has to be persistent despite changes in the market over time. The market as a whole...
View ArticlePersonal Investments • Canadian GICs
I just heard about these for the first time today, in another discussion thread. What opinions and experience have people had with them? I've read only a little so far, for example at the Royal Bank...
View ArticlePersonal Finance (Not Investing) • Married Filing Jointly Tax Brackets &...
MFJ income is combined and the total is considered for taxes - it's not like hers goes first. If you are trying to allocate "tax bill" to each of you, you could just prorate the total, or assume the...
View ArticleInvesting - Theory, News & General • Money Market Optimizer Spreadsheet -...
So is there an optimum strategy for building a treasury bill ladder based on the yield curve? I'm trying to make sense of the "T-Bill Returns" tab MM7.3 graph on the bottom that plots out "After Tax...
View ArticlePersonal Consumer Issues • Generac Whole House Generator system. 5 Year...
A 48 kW generator is absolutely massive. My 5000 sq. ft. house can run almost everything on a 20kW. Are you sure you're sized correctly?It's already been explained in this thread.48 kW is the smallest...
View ArticleInvesting - Theory, News & General • HSA Bank eliminating investment options
Initiated a transfer from Schwab to Fidelity this afternoon. Not sure what's going on, but the website was just "spinning" and not giving me the next page after confirming I wanted to open a new Fido...
View ArticlePersonal Consumer Issues • Any baseball experts? 6yr old son is interested in...
One tip ... when he gets past "tee ball" level, try to keep encouraging him to hit off the tee regularly.Kids think they "grow out of" hitting off the tee, but there is no drill better at giving...
View ArticlePersonal Finance (Not Investing) • Career Change/Going Back to School @ 35 -...
OP,What was your previous degree? Do you have one?KlangFoolStatistics: Posted by KlangFool — Thu Aug 08, 2024 5:41 pm — Replies 2 — Views 186
View ArticlePersonal Finance (Not Investing) • Inheriting/Dis-Inheriting
My estate attorney (Maryland) put in a clause saying leaving the relative nothing was deliberate.Similar when I wrote my will.Same here, but no one is getting much anyway. Almost everything goes to...
View Article