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Personal Consumer Issues • What are you listening to now
“Some Girls”, Rolling Stones“Spike”, Elvis CostelloStatistics: Posted by Chv396 — Thu Mar 14, 2024 9:48 pm — Replies 5801 — Views 566641
View ArticleInvesting - Theory, News & General • Quantify the Value of Military...
Yes, and my point is that the difference is negligible.The probability for a 50 year old to reach age 60 is 91.5%. Not that negligible. That's why AAA rated bonds pay less interest than those rated...
View ArticlePersonal Consumer Issues • How much do you spend a month on food?
$600 per person per month. Is this absurdly high?I don't think so, but you could definitely trim it down. Eat out less is the obvious first way. I spend about $400/mo and I'm pretty frugal and almost...
View ArticlePersonal Investments • Portfolio Review 61 yr old female
1. How best to simplify? I admit I probably want a little more than a 3 fund portfolio – I do find investing fun and interesting and want a little more control than target date funds but currently I...
View ArticlePersonal Investments • HCE/mega backdoor Roth risk?
Take heed, Bogleheads, for March 15th is the deadline for your plan to notify HCEs of a return of contributions. I managed to make two different plans fail testing in 2023. Good luck to...
View ArticlePersonal Finance (Not Investing) • The best game-changing financial advice...
Don’t lend college friends money to flip ounces of weedStatistics: Posted by rage_phish — Thu Mar 14, 2024 9:53 pm — Replies 10 — Views 327
View ArticleInvesting - Theory, News & General • 5M, probably enough to retire to a...
Long ago, I decided $10M is enough to retire & not feel the need to worry about money, especially, if one's house has no mortage. It helps to be frugal and save everything one can while...
View ArticleInvesting - Theory, News & General • Model and spreadsheet for asset...
Roth doesn’t pay any taxes going forward. For long enough time horizons, you want the highest possible volatility assets there (start up stock shares, if it is an option).The idea is not to shave a 2%...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
I can't imaging having a brokerage acct without good reporting of specific shares/ tax lots..so that's a dealbreaker for me for use as an actual brokerage. Their cash interest at 5% is quite decent so...
View ArticlePersonal Finance (Not Investing) • How much should I leave to nieces/nephews...
Easy for me since I have enough, maybe not for you. Enough is defined by the government: if my Modified Adjusted Gross Income reaches the threshold for paying additional Medicare IRMAA. Then I must...
View ArticlePersonal Finance (Not Investing) • Applying for loans in retirement...
Dealer called the next day to say we were all set. We only have a few hundred dollars in a checking account at the credit union just to be members and have access to cheap loans. So they didn't accept...
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Investing - Theory, News & General • Index Investing Basics - Revisited
Are you saying stocks don't actually make more in the long run or are you saying that they do but it's just not worth the risk?I'm saying I don't know if they will for my long run, and I invest...
View ArticleInvesting - Theory, News & General • It seems that intermediate bond...
Methinks you are trying to game a system that is far more advanced than you. Selling your intermediate bond fund and splitting the funds 50/50 into a short term and long term bond fund is probably not...
View ArticlePersonal Finance (Not Investing) • Dumped from PT due to low Medicare...
There are a number of possibilities. One not mentioned yet is that Medicare may not consider the PT medically necessary.Just because a physician orders something doesn't mean that Medicare will cover...
View ArticleInvesting - Theory, News & General • How to Harness the Flowing Nature of...
Agreed, impressive. Thank you for posting it.Next step would be to run scenarios over all the combinations and see which mix of classes produces a maximum...Statistics: Posted by ObiQuiet — Fri Mar...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
I'm slowly moving more of my bill pay over to Fidelity, and started using a second brokerage account like a traditional checking. This process made me realize I was making too many "hops" or transfers...
View ArticlePersonal Finance (Not Investing) • Age and probability of needing long term...
The next thing to worry about is the number of nursing homes that are downsizing the number of patient rooms or closing altogether because they aren't generating enough revenue. We're heading toward a...
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Personal Finance (Not Investing) • Older jobless sibling with a daughter and...
Got it, thanks for the additional info. Statistics: Posted by gunny2 — Fri Mar 15, 2024 10:07 pm — Replies 21 — Views 1448
View ArticlePersonal Investments • Where to keep emergency funds?
If you can tolerate the 1-year lockup, how about I bonds? 1.3% real return right now.It doesn't seem like that would be great for emergency funds. Maybe for funds that you wouldn't need in the normal...
View ArticlePersonal Finance (Not Investing) • Full Time RV/travel pre-Medicare insurance
Congrats on retirement and your travel plans.It used to be SD, FL, and TX as the big three. TX and FL still have decent plan options.As referenced above TX has some rules that apply when driving in...
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