Investing - Theory, News & General • Are NTSX & NTSI the Best...
Hello,As my net worth gets closer to the point where I could retire early, I'll need to add bonds to my taxable account. I should probably start adding some soon, but I also would like to add more...
View ArticlePersonal Investments • Re: Almost 50, planning for the next couple of years.
drago --I note that you have been making exploratory visits to the Southern Tier states, that is a good thing. We vacationed over the years everywhere between Virginia Beach and Key West. We found...
View ArticlePersonal Investments • Re: 35k to invest
What would I do?Pay off the car, $10k to son's 529, $10k into my asset allocation.Statistics: Posted by Bullwinkle58 — Tue Sep 03, 2024 8:46 am
View ArticlePersonal Finance (Not Investing) • Re: Tax treatment of SPIA income when the...
A 1035 exchange does not change the basis of your annuity. For each exchange, the basis information is transferred from the old policy to the new policy.Thus, tax treatment is just as you understand...
View ArticlePersonal Finance (Not Investing) • Re: What is your opinion on using...
I switched this year, and it's been fine. I saved $2500/year with Progressive over Geico for the same three kinds of policies. I haven't ever really needed much service, but everyone on the phone at...
View ArticlePersonal Investments • Re: Which professional for 529 Secure 2.0 strategy?
Are there any insightful websites, blogs, books, online services that any of you found helpful?Thanks everyone!See linked article from Fidelity: https://www.fidelity.com/learning-cente ......
View ArticlePersonal Investments • Re: out of space - international or muni bond in taxable?
Muni bond funds work best for people in the higher tax brackets. At the 24% federal rate and with low state taxes, the muni fund will not be terribly helpful. You may not even break even.For that...
View ArticleInvesting - Theory, News & General • Re: Are NTSX & NTSI the Best...
It's a good choice, just be aware that your expected return net of leverage is more like 90/0 than 90/60.I think the hypothesis is that when the yield curve reverts, that will no longer be the case...
View ArticlePersonal Consumer Issues • Re: Finding possible roof leak
I wouldn't automatically assume a roof leak.1.Water dripping down our downspouts has caught my attention more than once. Also leaky gutter joints dripping onto something metal near the house like an...
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Investing - Theory, News & General • Re: Really Bad Day (RBD) Activities
Calculate how much you lost during today’s RBD. Go car shopping for a “fun car” with that amount as your max budget. What kind of wheels can you get?!And lol at the headline! Sensationalist much?I did...
View ArticlePersonal Investments • Is this legal - Mortgage question
The home I live in is co-owned by my dad and myself (50/50) but the mortgage deed is in my dad's name but I have been paying the mortgage all these years. I would like to re-finance and remove him...
View ArticlePersonal Finance (Not Investing) • Re: About to be laid off. Will we be OK?...
We're currently renting in a VHCOL. The 60K income comes with health insurance.The nice thing about renting is the flexibility you have. Fairly easy to move to smaller/cheaper if really needed. If...
View ArticlePersonal Consumer Issues • Re: Choosing Safe for Apartment
Just got one delivered from Amazon yesterday. It's 4 cubic ft for 169.00. Yes it's cheap,but it will probably suit our purpose.Before ordering this, I found an antique safe at our church. Probably...
View ArticlePersonal Investments • Re: For those retired, what's your plan for non-stock...
I don't have a plan on this increasingly likely scenario, and wondering what I might do...Looking for ideas, really. Currently 50% in stock and 50% in various cash equivalents/treasuries and CDs of...
View ArticleInvesting - Theory, News & General • Re: Total Portfolio Allocation and...
My TIPS portfolio will give me access to standard of living improvements from the items mentioned above (especially with that 2% real return). I don't expect any steady decline in my standard of...
View ArticlePersonal Consumer Issues • Re: Moving to Colorado?
We’ve been in Louisville,Co. since retiring 10 years ago. Pleasantville in every way. Close to Boulder and Denver. No crime to speak of. Skiing, RMNP 1 hour away. 1/2 acre probably not. But open...
View ArticleInvesting - Theory, News & General • Re: How do you model Roth...
It didn't occur to me to ask earlier, but what's the reason(s) for not wanting to use planning software?Statistics: Posted by tibbitts — Wed Sep 04, 2024 9:14 am
View ArticlePersonal Finance (Not Investing) • Re: High-Income Medical Professional...
The most conservative will be to continue renting. That does not mean it is the best decision for you.As others have noted, your income relative to expenses and the cost of the house you are...
View ArticleNon-US Investing • Re: Became a US Citizen in 2022 and just heard about...
Thank you Ted for your response. So it seems I should be hiring a tax service here in the UK, which I will definitely do. From a reporting stand point, this will only create issues with the IRS, not...
View ArticlePersonal Consumer Issues • Re: Car repair question
To answer your question: you have zero recourse. You didn't explain (here) what the exact symptoms were, whether there was any pattern to the "periodic" failures, what the history of this battery was,...
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