Investing - Theory, News & General • Tax efficient ballast for taxable...
How important is the tax efficiency? Bonds of an appropriate type and duration are gonna be your most reliable bet, and although some of the other choices may be more tax efficient, most of the...
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Personal Consumer Issues • blowing out sprinklers
There are lots of articles about this. It's all about CFM, not pressure. So a little shop compressor with a tank will not be a good idea. See page #2 of Hunter's guide...
View ArticlePersonal Investments • SS plus annuitizing half of portfolio to cover living...
Thanks for these great suggestions! It looks like the piece I was missing is that there are many benefits to delaying SS until 70 (tax benefits, inflation protection, etc.) if one has the ability to...
View ArticlePersonal Finance (Not Investing) • Crazy health insurance situation --caution...
...Should one put in a high (fictional) WAGE income rather than actual INVESTMENT income?...I believe the key thing if you have a child (or children) 18 y.o. or below, and you want them to be on the...
View ArticleNon-US Investing • Non-US Investing of USD Mutual Funds
Was looking at:Vanguard Federal Money Market Fund (VMFXX)Vanguard Treasury Money Market Fund (VUSXX)SGOV iShares 0-3 Month Treasury Bond ETF0.09% ERSGOV is US domiciled, so probably a bad choice a for...
View ArticlePersonal Investments • AA staying the same despite new stock market highs?
To maintain my 50/50 AA, I have sold stocks and bought bonds numerous times in 2024.(I tend to rebalance more than most.)Statistics: Posted by steadyosmosis — Tue Sep 17, 2024 2:30 am — Replies 3 —...
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Personal Investments • Traditional vs ROTH (IRA + 403b)
As someone who is going to start her career soon and new to all of this, how do I decide on whether to use traditional vs ROTH IRA + 403b?I recently got hired as a nurse in SoCal, but the pay is...
View ArticlePersonal Investments • Roth conversations or taxable brokerage
We have about $15k available from the sale of company stock and are trying to decide whether to do Roth conversions and use these funds for taxes or just invest them directly into our taxable...
View ArticleInvesting - Theory, News & General • Changing asset allocation
You're only shifting 5%. I doubt it will make that much difference either way.Exactly, in the grand scheme of things.Statistics: Posted by retireIn2020 — Tue Sep 17, 2024 2:48 am — Replies 3 — Views 181
View ArticlePersonal Investments • Trying to figure out a discrepancy in my 401k (mega...
Could this be due to timing? If you were recently paid, is it possible that the latest contributions will appear in your updated balance within a few days? Once this happens your balance will show the...
View ArticlePersonal Finance (Not Investing) • rental property - poor investment?
Did you live there? If so, then it's not an investment, it's your home. You would then also need to take into account the amount you would have pain to rent vs what went into the principal.Statistics:...
View ArticlePersonal Consumer Issues • Strange email from USPS about delivery to old address
Check again. It might be really fake.Statistics: Posted by emanuel_v19 — Tue Sep 17, 2024 2:57 am — Replies 1 — Views 86
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
But if I were prompted to forecast what to expect in 2050 or 2060, it would be hard to argue against the strong possibility, that after many ructions, bear markets, crashes and horrid nail-biting...
View ArticlePersonal Consumer Issues • Water heater flush?
I didn't read all of the replies to this thread, so I'll just share my experience.In our current home, the electric Hot water heater is currently going on 20 years old. It's never been flushed and...
View ArticleNon-US Investing • Help a UK Newbie With His Vanguard Retirement Portfolio
Great advice by HKexpat. I’m 38 and 100% equities still. Will be adding bonds over the next few years. I’ve done the slice and dice regional funds approach and then a DM + EM approach and now just...
View ArticleInvesting - Theory, News & General • "In general, bonds add little...
Huh. Trying to find the actual paper Arends is referring to. I haven't been able to find it. Has anybody else?Instead I accidentally found this... by the same three authors. Why yes, it's my...
View ArticlePersonal Investments • What is the Most % the Stock Market Could Drop?
Boglefriends,For planning purposes (e.g., how much risk to take), what is a realistic assumption to use for the most (worst) % drawdown of the stock market in the current era? Assume S&P is the...
View ArticleInvesting - Theory, News & General • Barrons: Jack Bogle was right about...
I'll add that before the existence of the heartbeat trade strategy was well known, I was a bit skeptical that the dual-share class structure was adding very much tax efficiency to the mutual fund...
View ArticlePersonal Consumer Issues • EV / Hybrid basics?
You put just 46,000 miles on your car in 9 years. Do you really need a vehicle? If yes, then with your current driving habits I'd say you likely have a decade or more of driving to go before you need...
View ArticlePersonal Finance (Not Investing) • [Any regrets paying off your mortgage early?]
We paid off the 7.8% mortgage as fast as we could, afterward all the future cash went to investments. No regrets.It is really nice to not have any debts.Statistics: Posted by wwhan — Wed Sep 18, 2024...
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