Investing - Theory, News & General • Re: Purchasing MYGAs (multi year...
Thanks, Stinky, for those directions. Navigating the Gainbridge webpage to better learn the details of what one might be buying is far from self-evident. After reading both the FAQs and the policy...
View ArticlePersonal Investments • Re: Are IBonds still a decent investment?
A long term i bond holder's Take. I purchased 12, 5000$ bonds 12/2002. Their worth approx. 149K today. That amount put just about anywhere else in the equity universe over that 22 year span would...
View ArticlePersonal Investments • Re: Request for retirement review
I am concerned that we have a heavy drain on our resources until I reach 70, but I believe we will be okay. Do you agree?Yes. Even if your equity allocation halves in value right before you retire,...
View ArticlePersonal Investments • Re: Closing Fidelity Wealth Management accounts - tax...
Fidelity did the same to my sister who, unfortunately, remains under this program. During the time of her illness, I spoke with her rep. I was also able to transfer some mutual funds directly to her...
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Personal Finance (Not Investing) • Re: Payoff Mortgage or Improve Property?
Thanks for the update! 9. Just a note about our lack of savings. I was never financially savy and spent my money I made on toys and giving. Candidly, this was my assumption - as I'd assume it's...
View ArticlePersonal Finance (Not Investing) • Re: Building credit for a minor
I forget if my son was 17 or 18 when he obtained a credit card.We used USAA and filtered for cards that would build credit. For that bank, they required the card be secured by a $1000 CD for two...
View ArticleInvesting - Theory, News & General • Re: 10-year equity premium 1793 - 2023
I think periods of financial repression result in a high equity premium.Statistics: Posted by Beensabu — Sun Jul 21, 2024 11:45 pm
View ArticlePersonal Finance (Not Investing) • Re: Proposed update to Health Savings...
snipLet's disentangle a couple things.On how easily it is for an investor to get an overfunded HSA, this has already been discussed. It's rare in the general population, but the math says that someone...
View ArticlePersonal Finance (Not Investing) • Inheritance question
Lets say that a parent with children passes away without a will.And some the children were married but they passed away.Do their surviving spouses inherit anything?This is nothing that is happening in...
View ArticleInvesting - Theory, News & General • Re: IRS clarifies stretch IRA rules:...
Roth IRAs do have the same RMD requirements as traditional IRAs, only since there are no RMDs during lifetime for a Roth, they are treated as an inherited IRA pre-RBD.Perhaps that phrase is sufficient...
View ArticlePersonal Investments • Re: Total bond funds and maturity
Thanks everyone. I’ll definitely check out the wikI. The main thing I was curious about was for an individual bond you have to hold to maturity to get the interest rate paid out. But for a rolling...
View ArticlePersonal Consumer Issues • Re: What’s going on with Uber prices ?
Supply and demand mismatch can lead to congestion pricing. Airport to home is typically $30 by cab and less than $25 by Lyft/Uber...That is not enough of a discount for me to hand data scraping rights...
View ArticlePersonal Finance (Not Investing) • Re: Inheritance question
Here is the nolo discussion on who would inherit when a person dies without a will. Not a lawyer. But, I am not aware of any situation where a daughter in law or son in law would inherit in the...
View ArticlePersonal Investments • Re: Should I sell or continue to rent it out?
Thank you for your reply!!I personally want to try with RE investment but this one is not good in terms of cash flow.In the long run I think it can help me generate steady cash flow. But now and next...
View ArticlePersonal Consumer Issues • Re: FYI-News reporting massive outages with...
And it gets better if this is true:https://www.reddit.com/r/sysadmin/s/mDd74mXPqlYou can opt in to allow them to communicate with your systems early in the boot policy to fix their screw up faster....
View ArticlePersonal Investments • Re: Use highly concentrated stock for financial security
1. I want to start selling NVDA without crossing the 15% + 3.8% Cap Gains tax bracket.This sounds to me like an immense risk, incompatible with your stated goal of financial security. If I were in...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
I was able to set up my employer account.The employee account has an error after I enter my SSN etc, where it says secure connection couldn't be established. So I can't set that up. I tried Firefox...
View ArticlePersonal Finance (Not Investing) • Re: Financial Analysis and other...
Read quite well. Here’s a hint. Your situation is not universal. Just because your employer has never pulled that trigger YET doesn’t mean a) they never will or b) your experience may have no...
View ArticlePersonal Investments • Re: USFR vs FDLXX vs FDZXX
I apologize in advance for what appears to be the hundredth thread on this topic. However I've not able to figure out an answer to my scenario. I've also tried using the MM Optimizer tool, but that...
View ArticleInvesting - Theory, News & General • Re: How to do backdoor-roth of 7k...
'Increment' provided a good answer.Statistics: Posted by steadyosmosis — Tue Jul 23, 2024 1:13 am
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