Personal Investments • Re: Treasury Bills and Notes
Is it a good idea for an 87 yr old retiree to move some assets, mainly VG Bond funds in an IRA, into T-bills and/or T-notes to preserve assets in view of weirdly unfolding political scene? Same...
View ArticlePersonal Investments • Re: Palantir PLTR
The reality is that even the "experts" make mistakes. The "experts" here do not recommend large investments in individual stocks, while there are other "experts" who recommend them highly. Compare the...
View ArticlePersonal Finance (Not Investing) • Re: Roth SEP IRA vs Solo 401k and the QBI...
I am not 100% sure on this but as it relates to a Solo 401K, you should lean towards a MBDR instead of Roth Employee Salary deferrals if you can help it. As far as I understand it, there are some...
View ArticlePersonal Finance (Not Investing) • Re: Late career nys teacher unique question
When my wife was getting close to retirement we went to a NYSTRS sponsored seminar at one of the local BOCES buildings. Pretty informative, especially for those who had not already read the available...
View ArticleInvesting - Theory, News & General • Re: HSA Bank eliminating investment...
If there is a $25 account transfer fee at Schwab, I think I’ll leave my “sell-only” HSA account at Schwab, rather than transferring it to my Fidelity HSA, until I see GEHA’s plans for 2025. It seems...
View ArticleInvesting - Theory, News & General • Re: Latest Roth conversion paper
If tax rates stay the same, and investment returns stay the same. And spending stays the same. There is no benefit, or cost, to doing Roth conversions. That is simply not true. You are not considering...
View ArticlePersonal Investments • Re: 60/40 too risky for 73 year old
Im running a two fund index fund 60/40. My whole retirement money is in this, would this by ok for a 73 year old. Or would a 40/60 portfolio be more appropriate of my age. I draw out 5% every...
View ArticleInvesting - Theory, News & General • Re: Let's Talk SPX Box Spreads
Short SPX box spreads are once again below 4% through at least December 2028. Given the market's (VT's) long term return of near 10%, and the fact that the "interest" you pay on the short box is...
View ArticlePersonal Finance (Not Investing) • Re: What's Your Credit Card Rewards Strategy?
…… But I don't think we are their "target market".Agreed, likely the best case for THESE folks is the person who has $100K combined in checking and Smartly savings thinking 4.1% (current rate) is good...
View ArticlePersonal Investments • Re: Best Retirement Calculators ?
I'm admittedly biased because they're my own work, but I find these two informative:Withdrawal Rates: Calculates the safe and perpetual WRs for any asset allocation.Retirement Spending: Illustrates...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
I am by no means completely sold on the 50:50 VOO:VT portfolio and am looking for feedback. I do think it's materially different enough (80% US total market on US side vs 100%, 50% of global market...
View ArticleInvesting - Theory, News & General • Re: Barrons: Jack Bogle was right...
What a load of garbage.I am curious how so? The data is the data. Do you question the data or have alternative theories.My guess is this, mutual index fund investors are more likely to stay the course...
View ArticlePersonal Consumer Issues • Re: Downside of canceling US Health Insurance...
Are you entitled to healthcare in the country where you currently reside? If you were diagnosed with a serious illness (e.g., cancer) tomorrow, would you be eligible to be treated there?Yes, we do...
View ArticlePersonal Investments • Re: Reinvesting Dividends and Interest after Retirement
If you intend to spend the cash, direct it to settlement. I did that for first several years of retirement. I used the cash for spending. Now that SS and Pension are in full swing, I will likely reset...
View ArticlePersonal Consumer Issues • Re: Will more attic insulation improve comfort??
We also had an energy audit about a week ago. Our electric bill was very high considering we weren't in the house for 2 months and the AC was set to 82. In our case we supposedly had a few issues...
View ArticlePersonal Consumer Issues • Re: Good Modern Science Fiction
I really enjoyed The Murderbot Diaries by Martha Wells. Very easy reads but very enjoyable. As a huge sci fi fan and Trek fan, I absolutely LOVED Redshirts by John Scalzi. Also another easy read but...
View ArticlePersonal Consumer Issues • Re: What Book Are You Currently Reading? Part VI
“Shattered Sword: The Untold Story of the Battle of Midway”. Written by Jonathan Parshall and Anthony Tully.Statistics: Posted by sandburg — Wed Sep 11, 2024 10:19 am
View ArticlePersonal Consumer Issues • Re: What Movie Have You Recently Watched?
Am I the only one watching movies? We watched another Hitchcock directed movie called the Lady Vanishes. It was a well acted political movie who done it spy show. I’m glad I’ve watched a lot of Brit...
View ArticlePersonal Investments • Do capital gains increase my investment or stay the same.
I have an IRA investment in an index fund that charges 0.70%. I want to sell that fund so I can purchase a Vanguard fund that is virtually the same but at only 0.05%. What I don't know is when to sell...
View ArticlePersonal Investments • Re: Vanguard trading
I just made a purchase. No issues. Webpages appeared quickly.Statistics: Posted by Wiggums — Thu Sep 12, 2024 10:17 am
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