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Personal Investments • TIPS Secondary Market Math
Investment cost can be much higher than par after adjusting for inflation index and discount or premium. Assuming no deflation, does one get his/her investment cost plus subsequent inflation...
View ArticlePersonal Investments • Cash at Fidelity
I waited a little too long. My transfer request of FSIXX was "rejected".Called Fidelity and they said Merrill rejected it as a non-transferable asset. Loophole seems to be closed.Bummer.I just caught...
View ArticleInvesting - Theory, News & General • 529 Alternatives
What exactly are your cash options within the current 529?Our 529 is with New York. The TL/DR is there the "cash option" is not actually a cash option and performance is underwhelming.The "cash"...
View ArticlePersonal Investments • Reinvesting Tbills and CDs
I piled into tbills and 1-2 year CDs over the past couple years to get the higher rates, but now they are reaching maturity just as rates are falling. Reinvestment risk. I’m retired, 67 years old with...
View ArticlePersonal Finance (Not Investing) • Why are so many people choosing LTCI
insurance is paying for the insurance company to assume a risk of yours that you dont want to assume, at a considerable cost to you.if you have financial independence, you can assume that risk for...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
My post was merged into this thread and I have read through the previous posts. I completed my paperwork with Fidelity and I am waiting for my solo 401k to be established. The Ascensus rep I spoke...
View ArticlePersonal Finance (Not Investing) • Hackers leak 2.7 billion data records with...
OP here, thanks to the info found on this thread I have taken the following action.Froze credit and placed fraud alerts on Experian, TransUnion and Equifax.Requested freeze for Lexis Nexus & opt...
View ArticleInvesting - Theory, News & General • 70/30 has almost the same return as...
Maybe this analysis from Vanguard?https://investor.vanguard.com/investor- ... allocationNote that the ratios are bonds/stocks, which is the inverse of what’s generally used here.The percentage point...
View ArticlePersonal Consumer Issues • Trip to Ireland
Been away so no time to post but have been following. Thank you all for taking the time to 'chime in' so to speak, its appreciated! Some good stuff here and we will be looking all over/researching...
View ArticlePersonal Investments • Laid off at 55 and my head is spinning...
I’m unsure why there is so much opposition to adjust asset allocation in an inserted like this.70/30 is about as aggressive as I’d want to be with the situation as it was described. It’s perfectly...
View ArticlePersonal Consumer Issues • Vet estimate for my daughters’ cat
Vets are not individual practitioners anymore. Most vet offices have been, or are being, bought up by corporate chains, with pricing to match. I’m on the board of a local spca, and it’s gotten to the...
View ArticlePersonal Finance (Not Investing) • When one spouse lives much longer...
If one spouse is taking half of SS for higher earning spouse , do they keep on getting the same SS after death of the spouse with higher SS?Statistics: Posted by Sho — Fri Aug 16, 2024 8:17 pm —...
View ArticlePersonal Consumer Issues • Gardening 2024 post-mortem
Been hot and dry. My 8X20 garden has produced a decent amount but fewer than last years tomatoes. Some of the plants are 8 foot tall in 6 foot round cages but blossom end rot is getting ahead of me...
View ArticlePersonal Finance (Not Investing) • Post-NAR Settlement Buyer Commission...
I've spent my career in various roles within the commercial and residential real estate industry. This settlement will greatly benefit the well established senior agents who focus on listing houses....
View ArticlePersonal Investments • Suggestions for Fidelity funds to replace VWLUX &...
You had a reason for getting out of the advisor service. Has that changed? You can reverse the move and send the funds back to Vanguard so that you can buy more if you want (without transaction fees)....
View ArticlePersonal Consumer Issues • Electric Toothbrushes - Longevity
Braun. Lasted more then 10 years and counting.Statistics: Posted by edge — Fri Aug 16, 2024 8:23 pm — Replies 25 — Views 1113
View ArticlePersonal Finance (Not Investing) • Understanding how penalty and interest tax...
I know penalty& Interest would apply if you end up with a tax liability at the time of filing. But would it apply if you pay the tax liability before end of year?For example- I am estimating a 20K...
View ArticlePersonal Finance (Not Investing) • Primer on Paying Taxes With a Credit Card
I've just got the Cap 1 Venture X Business card - since I have a large tax bill, wanted the sign up bonus that's dependent on $30k spend.BUT - it's very difficult to get charges approved. I could only...
View ArticlePersonal Finance (Not Investing) • Coveredca subsidy [Covered CA]
I guess if your APTC was based on a 60k income and you are only going up to 62k, the repayment can only be 2000*.085 or $170, not the 5k or 1.5k I thought. (I was thinking you had started with a super...
View ArticlePersonal Investments • Bonds in taxable or tax advantaged?
I am 65 and retired. I happened upon this thread when looking for nuggets of wisdom on my dilemma. I am on the border of the 22 to 24% tax bracket. The income tax in my state is about 2.75%. I need...
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