Personal Investments • Correcting My Mistakes
Do I sell all my positions in both accounts and buy into FSKAX/FXNAX?From the little information provided so far, you should probably sell it all. What you should buy and where to hold what depends on...
View ArticlePersonal Finance (Not Investing) • Rob Berger interviews Mike Piper
These guys are fantastic. Would love to see a follow up interview on Roth conversion optimization. Seems like there are quite a few threads on here about itStatistics: Posted by ThankYouJack — Fri Feb...
View ArticlePersonal Investments • Financial Life Coach?
I am starting to do my homework on the web but figured this place could be a great source of information. I am 66, took early requirement 6 years ago and find myself low on funds. My wife is 60 an her...
View ArticlePersonal Investments • Feedback on "Millionaire Fastlane"
Good job on saving 160k a year, go debt-free then go 100% stock until age 50 then re-evaluate. I made an average 120K a year, I saved 40K a year and hit a NW of 10M+(50/50, stock/real-estate) after 28...
View ArticleInvesting - Theory, News & General • Bond ladder vs Bond fund
If you only need $1000 dollars but not the full ladder rung amount, you can easily sell $1000 of a bond fund. However, if you need exactly $1000, and have a bond fund ladder rung that matures when you...
View ArticleInvesting - Theory, News & General • Lifecycle Investing Challened -...
...Imagine being able to strictly stick to a 50/50 US/intl with only rebalancing while faithfully contributing the same % of your income no matter what from age 20 to age 65. Then spending down that...
View ArticlePersonal Consumer Issues • National Merit Semi-Finalist/Finalist -...
Congratulations on the potential NMF. Like others have said, there are lots of sources of auto merit aid for NMF finalists. It changes every year. For instance, a while ago Oklahoma had the best...
View ArticlePersonal Finance (Not Investing) • What to do when mail is stolen?
This isn’t a matter for local police. Contact the Postal Inspectors. Someone was stealing my mail and the USPIS tracked them down and were able to return my stolen mail to me....
View ArticlePersonal Finance (Not Investing) • How do Trustee Services work?
Just an update. After meeting with the lawyer he recommended a fiduciary trustee instead of using a bank. He mentioned that bank trustees are difficult to work with and not easily reachable. Sometimes...
View ArticlePersonal Finance (Not Investing) • Funeral gift (card with money, flower,...
Definitely do not hand someone a bouquet. What are they supposed to do with it? They don’t have a vase to stick it in. They have enough going on to have to deal with flowers. If the obituary doesn’t...
View ArticlePersonal Investments • Stopping 401k Contributions for Bonus
Ours is a separate election. I actually intentionally increase the 401k % coming from my bonus to expose less of it to tax withholding, as bonuses are default withheld at a flat 22% instead of your...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
I have a question about the 1099-INT and 1099-DIV I've received from Merrill Lynch. Like many in this thread, I use a Merrill Lynch account invested primarily in TTTXX to take advantage of BoA's...
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Personal Consumer Issues • What are you listening to now
“Nouveau Flamenco”, Ottmar Liebert (German jazz guitarist)I saw him play at a concert in 1990, in Southern California (can’t recall the exact venue.) Incredible show.He's awesome. I have a CD of his....
View ArticlePersonal Investments • i-bonds - how much is too much?
I'd suggest you create a spreadsheet with the maturity dates and dollar amounts and compare that to when you'll be in retirement, drawing social security and/or taking RMDs from a 401k or IRA. You...
View ArticlePersonal Finance (Not Investing) • If I don't know my work status this year,...
Hi,I'm in the middle of attempting to switch careers. I'm trying to switch into tech. During the best of times, entry level pay was around $110k (with people in my situation--college educated but not...
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Personal Consumer Issues • Automatic Water Shutoff Valves: brands,...
I love the concept of these devices, leaks are probably the most likely insurance claim you'll have for your home. I know so many people that have gone through that nightmare. My defense is I just...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields are 60 bp...
<snip>So moving on to the potentially actionable part of this conversation.... How do we assess the likelihood that holding VT for 20 years will "at least" return one's inflation adjusted...
View ArticlePersonal Finance (Not Investing) • Schwab's "Per Capita" definition
It's a joint taxable account, not an IRA. But,yes, I subsequently noticed elsewhere that they say:I understand that if a Primary Beneficiary passes away before me, the remaining portion will be...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
Thanks. Will use that. It's strange that the website (while logged in) can't just show that for the specific I Bonds owned by the person. Yes, totally agree. I built a site that can do that for you....
View ArticleNon-US Investing • US Citizen, Expat to EU in 12-18mo, what financial...
Look at moving the ETFs to Schwab International or Interactive Brokers. These won't freak out about a non-US address.At some point, one of the institutions you are using may discover that you're no...
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