Investing - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
Now that TIPS are heating up (~2% real), it is making 2024 I-bonds seem less attractive.My plan was to wait until late April to see what the new fixed rate would be for I-bonds before deciding between...
View ArticlePersonal Investments • I am not seeing how bonds have mitigated losses during...
Thank you to everyone who chimed in. Will adjust perspective and also refine how I research bonds vs equities.Statistics: Posted by thermo86 — Mon Feb 26, 2024 4:25 pm — Replies 13 — Views 923
View ArticlePersonal Finance (Not Investing) • IRA distribution and re deposit problem
Keep in mind that if you take an IRA distribution there is a 10% default federal withholding rate unless you specifically decline withholding, which you would ordinarily do if you are planning to roll...
View ArticleInvesting - Theory, News & General • At what point does BND become...
I still have most of the fixed income part of my portfolio in a Money Market and have been waiting for an attractive entry point into BND. Unfortunately when BND reached it's nadir, when the 10 year...
View ArticlePersonal Finance (Not Investing) • How to deal with/spend too much money?
Start small. Ever tried 100% Kona coffee?Jamaican Blue Mountain is better.Statistics: Posted by LotsaGray — Tue Feb 27, 2024 4:28 pm — Replies 69 — Views 3960
View ArticlePersonal Finance (Not Investing) • Social Security Divorced Spouse Survivor...
Could anyone help explain the nuances of this social security topic?In a marriage lasting more than 10 years, the lower-earning spouse files for social security benefits early, at age 62. The...
View ArticlePersonal Finance (Not Investing) • Cancer Diagnosis Hubby
Please help me.Some things that you should do;1) Yes you should talk to a lawyer to get all your needed paperwork including wills up to date for both you and your husband. It is also important that...
View ArticlePersonal Consumer Issues • Car brake lights won't turn off after install of...
There is a small plastic tab on your brake pedal that turns off the lights. It is likely that piece of plastic has broken off. They have them in auto supply stores.Thanks for all the comments.AutoZone...
View ArticleInvesting - Theory, News & General • April and July 2024 TIPS
I see no real logic in selling prematurely, other than that there are very favorable yields available now, and what the yields will be in April is unknown.But that's the only reason I needed! Well,...
View ArticleInvesting - Theory, News & General • Has passive investing broken the...
Is there some other question on the table now? If so, what is it?Let's say we replace Retail for Passive in many of the paraphrases from the original post. Does everyone agree Efficient Market...
View ArticleInvesting - Theory, News & General • Retirees apparently tend to maintain...
I don't think anyone in their right mind would not maintain assets until at least age 95.Some of us have enough medical conditions that make it sufficiently unlikely to live to that age. Family...
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Personal Finance (Not Investing) • Vanguard conversion to brokerage account...
Have VG make the corrected RMDFile 5329 with a short letter that states that an adminstrative issue with the custodian resulted in inadvertant failure to make the 2023 RMD and that the issue has been...
View ArticlePersonal Investments • Vanguard Wellesley
It is reasonable to keep two sets of books. One is the investment performance measured by gain, specifically CAGR, and/or by the return, specifically CAGR under the condition all distributions are...
View ArticleInvesting - Theory, News & General • Purpose of Settlement funds for...
I am confused and would appreciate if someone would explain in detail the purpose of Settlement funds for Vanguard Brokerage accounts. When are the settlement funds used?If I want to sell shares of a...
View ArticlePersonal Finance (Not Investing) • How to adjust cost basis for wash sales...
In 2022 I sold all of my company's RSU without realizing I had the option to reinvest dividends enabled. This error created a few wash sales.Welcome! If you made all the sales in the same account, and...
View ArticlePersonal Finance (Not Investing) • Can I make this retirement work?
OP,1) What is the price of the house?2) What is the size of the house?3) How much is the mortgage?4) How much of the mortgage payment are property taxes and insurance?"Debt: Mortgage Approx. 4k /...
View ArticlePersonal Consumer Issues • What is your favorite book?
11/22/63 by Stephen KingYou are the only other person I have "met" who has also read that excellent book.Did you see the TV series, which was also quite good?Excellent companion to the book.Really...
View ArticlePersonal Investments • Balance funds - what are the good ones?
The Charles Joseph Moderate Risk US Treasury-Total Stock Market Balanced Index Fund.I hold it in both my Traditional IRA and Roth IRA.40% FZROX (Fidelity ZERO Total Market Index Fund)60% FUAMX...
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Investing - Theory, News & General • Variable Percentage Withdrawal (VPW)...
For expected returns, enter 6.6% stocks and 2.2% bonds. (This keeps the median return consistent with Longinvest's view of the stock and bond return process. The WAG of 5.0% and 1.9% in VPW is...
View ArticlePersonal Finance (Not Investing) • Annual travel insurance
The only time we'd buy more complete coverage is for expensive trips to exotic places with substandard medical care (most of Africa and remote places in S. America and Asia). For that, I like World...
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