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Investing - Theory, News & General • Asset allocation strategy
We are at 77/23 now and working toward 70/30 at full retirement in ~10 years. My wife's state and county pension + her SS should be enough to cover all expenses in retirement. My SS might get moved to...
View ArticleInvesting - Theory, News & General • New tool for building a TIPS ladder
The service at https://tipsladder.com is failing every ladder generation request. I'm looking into the problem....It's up again.Statistics: Posted by kaesler — Thu Feb 01, 2024 10:38 am — Replies 378...
View ArticleInvesting - Theory, News & General • Primecap funds
Its cheap active management if you can get it. and for Jack that was his favorite kind of active management. I think its 30 basis points if I'm remembering. My FIL had significant assets in the fund...
View ArticlePersonal Finance (Not Investing) • When to consider CD for emergency fund?
Juice isn't worth the squeeze. Just leave the emergency fund where it is. It's not going to make or break anything make a few more %. Simplicity > complexityStatistics: Posted by HMSVictory — Thu...
View ArticlePersonal Consumer Issues • AirBnB price fluctuations
Check it out using another computer/browser/tablet/phone and see what happens. I have ran into this as well as their programs saw someone looking now they adjusted the price.Statistics: Posted by...
View ArticlePersonal Consumer Issues • college decision: $63k UIUC ECE or full-ride UF ECE?
A few months ago, I posted "T5 vs T35 engineering" (viewtopic.php?t=417838) and got great feedback with diverse opinions. But some responses focused on CS and FAANG jobs, which was irrelevant to my...
View ArticlePersonal Investments • Income vs Return in Retirement
It's true that if you're paying conversion taxes by realizing capital gains, that's an issue, especially at 20% (plus 3.8% NIIT of course), which may happen with mid-six-figure annual conversions. If...
View ArticlePersonal Consumer Issues • Thinking of moving to Denver
Freefun: Mr. Money Moustache lives in Longmont, so his website likely has some insights that may be useful to you.Statistics: Posted by Colorado14 — Thu Feb 01, 2024 10:42 am — Replies 58 — Views 5095
View ArticleInvesting - Theory, News & General • What are you up YTD? [Year To Date]
Age 78, retired, no pension or annuity, my asset allocation is 60/40.Total return of my portfolio is + 0.63% year to date (YTD).Statistics: Posted by ruralavalon — Thu Feb 01, 2024 10:42 am — Replies...
View ArticlePersonal Investments • What to do with mutual funds in a brokerage account
To preface, I have several mutual funds sitting in my brokerage account along with individual stocks at about a 70/30 split between funds and stocks. A few are index funds, most are not, and most are...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
. No one on the USA side says the international guys are stupid and don’t understand markets. You missed some statementsBut market doesn't agree with your assessment.yes but watch out for...
View ArticlePersonal Consumer Issues • Oil fired hot water boiler
My late 1940s house in the Northeast originally had a coal-fired boiler (the chute's still there) and was later retrofitted to use an oil-fired boiler. It heats the place well, and isn't too expensive...
View ArticlePersonal Consumer Issues • Best towns with great schools, weather, outdoor...
We lived in Dhahran, Saudi Arabia from 1983 to 1989 when we started to consider where we would return to the states. My wife is from Hawaii and I am from Massachusetts so we wanted a place in between...
View ArticlePersonal Investments • Question regarding Target Retirement Date funds in...
You can sell all the 2055 fund and buy the 2050 fund with no taxes or penalties. Use the Exchange function at Vanguard to do it. If you sell the 2055 fund and move the money to your bank, you will owe...
View ArticlePersonal Finance (Not Investing) • Question re: non-deductible contribution...
Questions: 1) The initial investment was not a rollover from a previous 401k or any such account. It was a cash contribution from my bank account. Am I correct in assuming that it was misclassified?2)...
View ArticlePersonal Finance (Not Investing) • Messy Will
My 45-year-old brother has always lived with my parents, has never worked, and is on Medicaid. I suspect he has high-functioning Autism, but he has never been tested for anything. My parents are...
View ArticlePersonal Consumer Issues • [What TV Show Have You Recently Watched?]
Dark Winds on HooplaIt’s like a combo of the movie Thunderheart and Longmire. But it’s from the Native America POV. It’s slow to start but worth it.Statistics: Posted by rockstar — Fri Feb 02, 2024...
View ArticlePersonal Finance (Not Investing) • HSA Spending--EOBs Suffcient for IRS??
My question: Are insurance company EOBs sufficient proof for the IRS of medical and Rx expenses?I would think no. The EOB will show what you owed, not what you paid.Agree with this. You could have...
View ArticlePersonal Investments • Does Anyone Buy One Month Treasuries?
The Subject says it all. I'm thinking of ditching SGOV today, buying about $50K of a T-Bill that matures in one month with a slightly better annualized rate, save the .07% ER, peel off next month's...
View ArticlePersonal Investments • Guidance
appreciate the responsesdratkinson - so a 30% or 40% allocation of bonds in my taxable is worthwhile for any downturns in the market. naturally i would be foregoing 30-40% investment that can build...
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