Personal Finance (Not Investing) • Option to elect for 22 vs 26 pay periods:...
I'd think of it this way: if you had to choose between being paid daily and once a year, you would choose daily.More frequent payments are better because your money isn't being held by someone else as...
View ArticlePersonal Consumer Issues • Wool slippers worth it?
These...https://www.theleatherworks.net/product ... per-womens....are well worth the money and they are Made in the USA.Statistics: Posted by Jeepergeo — Fri Mar 08, 2024 7:18 pm — Replies 16 — Views...
View ArticlePersonal Investments • Where do i go from here?
Yes you should and should have been putting money for both of you in roth iras rather than things like a cd ladder so I would put in contributions for both 2023 and 2024.Statistics: Posted by...
View ArticlePersonal Investments • Fidelity advice
The "vice presidents" are just more senior sales people. Are either of them even CFPs?Statistics: Posted by yougotitdude — Sat Mar 09, 2024 7:12 pm — Replies 41 — Views 3979
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
Right. It is a contingent, deferred liability for RH. They credit your account now, but you can't get the money in hand. It is like free play at a casino; maybe RH will have to pay it out, maybe...
View ArticleInvesting - Theory, News & General • Money Market or VUSXX
FYI, the money is in an ira.As a very minor point, the comments about a state-tax exemption don't matter for money in an IRA. Every dollar that you take out of the IRA account will be taxable income,...
View ArticlePersonal Investments • Keeping 5 years' expenses in cash/short-term vs. more...
Not enough information.For example - if you keep only 5 years of cash now but in 5 years (at 65) your SS would cover all/most of your expenses it is much different than if it would cover 10% of your...
View ArticleInvesting - Theory, News & General • Moving Tax-Exempt TSP Funds (Combat...
If you are a federal civilian employee and have left military service, it is even easier, and has been available for a long time (I executed in 2014). You have the option to combine your military and...
View ArticlePersonal Investments • Fixed income recommendations for parents' retirement...
Vanguard Total Bond would be the traditional bond portion of a three fund portfolio. How old are your parents? That will help determine if 65/35 is too aggressive or appropriate, though that is...
View ArticlePersonal Finance (Not Investing) • Realizing Capital Gains in a Trust
Thanks. So if I'm understanding correctly, what you're saying is that even if the capital gains are $100,000, so long as the income is zero, the $100,000 would be taxed at the lowest capital gains tax...
View ArticlePersonal Investments • How to sell Schwab t-bill on phone app to fund MYGA
TheNightsToCome - You had originally posted in the Purchasing MYGAs (multi year guaranteed annuities) - mega thread thread. That duplicates what was posted here. I removed that duplicate (formerly...
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Personal Investments • I have a couple questions for home savings and would...
I'd like to ask that you adjust the tone in your reply, given this information - thanks!Apologies if any tone was received, it was not my intent to send any negative vibe (just surprised at what felt...
View ArticlePersonal Finance (Not Investing) • [Impacted by] pro-rata rule when doing...
As I said before, the damage was done by the Fidelity agents badgering them to rollover their 401k into a Fidelity IRA without disclosing the potential consequences. If true that this was unsolicited,...
View ArticlePersonal Finance (Not Investing) • Have any of you Frugal Zebras Changed Your...
To be honest, I have no real interest in changing, being frugal is my most favorite hobby. Well, besides my reselling hobby.Statistics: Posted by runner3081 — Sat Mar 09, 2024 7:20 pm — Replies 11 —...
View ArticleInvesting - Theory, News & General • William Bernstein On the Financial...
We live in a fallen world, even the best of human institutions are far from perfect because the people that populate those institutions are vastly imperfect. Indeed, nedsaid. C.S. Lewis could have...
View ArticlePersonal Finance (Not Investing) • When do the negatives of Pro Rata outweigh...
The pro rata issue can be summed up with the rule of converting it all or not doing it. I believe you’ll be converting it all so it’s a non issue for you.Statistics: Posted by Lee_WSP — Sat Mar 09,...
View ArticleInvesting - Theory, News & General • Holding 100% stocks after FI best...
The duration of your retirement looks a tad optimistic. 75+50=125. However, planning for the worst (!) scenario is a basic risk management method.It is true that with a 100% stocks allocation your...
View ArticlePersonal Consumer Issues • Any unusual medicare advantage benefits - I get...
Lots of denied claims.From actual personal experience or "I heard".Honestly wondering.Work in healthcare, see it all of the time.Statistics: Posted by runner3081 — Sun Mar 10, 2024 8:19 pm — Replies...
View ArticlePersonal Investments • Lifecycle 2030 and Lifecycle 2025
2040 is fairly aggressive so recommend 2035Thank you. Would you do 2035 for both of us? It shouldn't make a difference, should it?That wouldn’t hurt.Age - 20 in bonds is what I follow.Statistics:...
View ArticlePersonal Consumer Issues • Longtime iPhone user looking at Pixel - what to know?
I have lots of CD's that I rip to mp3. It is not possible to store on the phone and use iTunes Music to play them. Of course you can stored them as files and play with VLC but it's a pain. There are...
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