Investing - Theory, News & General • Age 60+ AND retired? What's your...
63/63 ages 65/35 AA Of that 35%:75% in a 5 year treasury ladder w/ vanguard 15% in tsp G fund 10% in vanguard mm fundStatistics: Posted by Parkinglotracer — Thu Mar 07, 2024 6:41 pm — Replies 11 —...
View ArticlePersonal Finance (Not Investing) • Your Original Medicare Experience:...
Why would anyone consider original Medicare? There is no annual maximum out of pocket cost and hence, your exposure is unlimited. Get Medicare Advantage or Medigap.TravelforFunOriginal Medicare with a...
View ArticlePersonal Finance (Not Investing) • Post - Tax IRA rollover to Roth IRA
Hello all! I've been a lurking for a while, and this is my first post.I have a tax question. I recently retired and completed a 60-day rollover of my 401(k) into IRAs. Some of my 401(k) rollover was...
View ArticlePersonal Consumer Issues • Longtime iPhone user looking at Pixel - what to know?
I have 2 MacBook pros, iPad, apply TV, both my wife and I have iPhones (cheap with TracFone) , but my regular cell phone is a pixel, now a Pixel 8. The pixel 8 comes with 7 years of updates, which I...
View ArticlePersonal Investments • Retirement Planning - Target Date Funds
Your plan sounds perfect. Not to many people understand asset allocation enough to really chose one, but still stick with target date funds. I would have done better over my investing lifetime if I...
View ArticlePersonal Finance (Not Investing) • Have you completed the revised FAFSA for...
Ours is still "In Review" , anyone here who had their FAFSA in 'In Review" status, got it eventually "processed" yet ?Statistics: Posted by JohnG2000 — Thu Mar 07, 2024 6:44 pm — Replies 22 — Views 3140
View ArticlePersonal Finance (Not Investing) • When/Why would you need Trust over Will
.My wife and I have approximately $5M in total assets, and we have two sons (29 and 31).I believe we have all the large stuff covered, utilizing Beneficiary Designations, TOD's, and POD's.Our...
View ArticlePersonal Finance (Not Investing) • Tax Efficient Use of Kiddie Tax Threshold
Are there any pitfalls with this plan to avoid taxes other than having to file a gift tax return Form 709 and the possibility he won't return the money to us? Is this worth it to save around $670 per...
View ArticleInvesting - Theory, News & General • Variable Percentage Withdrawal (VPW)
Longinvest, is there a way to use the spreadsheet with 100/0 stock/bond? Regardless of the view on being too risky, many people don't allocate to bonds even during withdrawal... Even more so now with...
View ArticlePersonal Consumer Issues • Greece in August 24
We enjoyed our stay on Santorini in 2023. El Greco Resort & Spa worked for us with two teenagers. They loved the pool and it was a short walk to Fira.Here Link:...
View ArticleInvesting - Theory, News & General • Why is Vanguard so bullish on...
I'm OK just doing what Jack Bogle says and just do the SP500/TSM. If it's enough diversification for him, it's enough for me!Jack Bogle was in a position to not need to worry about sequence of return...
View ArticlePersonal Investments • Which type of self-employed retirement account to open?
1) I am with Vanguard with a Solo 401(k). It allows for far greater contribution than does a SEP-IRA.https://investor.vanguard.com/accounts- ... -solo-401k2) Use the calculator located here: (I'd also...
View ArticleInvesting - Theory, News & General • Vanguard Personal Advisor &...
Sounds like your advisor suggested not to use a glide path? Thanks for the information!Statistics: Posted by BetaTracker — Fri Mar 08, 2024 7:13 pm — Replies 2 — Views 211
View ArticlePersonal Investments • Considering dropping my FA but have a few questions
Just checking in again with another question about my current IUL "Flex Life II Indexed Universal Life" policy through National Life. This policy was started in 2010 when I was 28. I am currently 41...
View ArticlePersonal Finance (Not Investing) • University California reducing pension...
How sad for these employees who worked for less pay than their private-sector peers, with the pension benefit to themselves and their beneficiaries being the main reason to have worked in the...
View ArticlePersonal Consumer Issues • Drop Homeowner Ins- Self Insure
What you would need is liabliity only, and I've never heard of anyone doing that. It must be possible.I've been "self-insured" for about 10 years for windstorm liability in my homeowner's insurance...
View ArticlePersonal Consumer Issues • Southwest Companion Pass Offer
What I've seen online is that it is usually effective the next statement date but it does say allow up to 8 weeks. I've just crossed the $4K border due to some traveling expenses and it would be nice...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Very curious. Can you advise how to do this? I currently have a taxable account and just ACAT out much of it (partial ACAT). Do I need to close this account and open a new taxable account? Do I need...
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Personal Investments • Time to convert mutual funds to ETF?
Super informative, thanks to all on this thread. Statistics: Posted by PhinanceMD — Fri Mar 08, 2024 7:16 pm — Replies 19 — Views 788
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Personal Investments • Bad 401K or Taxable?
1) I asked about the SS income because I wanted to say with just the SS where would that place you in terms of tax brackets. $6,500 in today's dollars between the two of you, so let's say the 0% tax...
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