Non-US Investing • Re: Fixed income and tax
I am assuming you know what an "overnight rate swap ETF" *is*?Under what circumstances would it exhibit large volatility in NAV ie subject you to a possible capital loss.It's discussed in more detail...
View ArticlePersonal Finance (Not Investing) • Re: Does anyone find higher tier accounts...
Alliant Credit Union has no fees, free incoming domestic wires and a certain amount of ATM fee refunds. A 2.5% credit card also with 1k electronic deposit and 1k balance in the checking account.I'll...
View ArticlePersonal Finance (Not Investing) • Re: I've filled out 8606 wrong for years
You may not need to formally file revised 8606’s with the IRS. Have you gotten any notices? No? Then probably the IRS was able to figure it out. The 1099-R and 5498 will match for the Roth conversion....
View ArticlePersonal Investments • Re: Request input on plans
Thank you for the thorough and thoughtful answer!!Statistics: Posted by dcmurray84 — Sat Nov 09, 2024 4:50 am
View ArticlePersonal Finance (Not Investing) • Medicare and waiting for elective services
I'll be eligible for Medicare in 2025. I currently have employer provided healthcare now, high deductible.For those with some experience with Medicare, if you had elective services that were not...
View ArticlePersonal Consumer Issues • Re: Buying a car without visiting a dealer
I bought my Tesla without visiting a dealer, though I had to pick it up. No haggling, just visual inspection, and off I went.Statistics: Posted by bagle — Sat Nov 09, 2024 5:02 am
View ArticlePersonal Consumer Issues • Re: Stationery recommendation?
I tend to go to local businesses, bookstores and gift shops primarily, and see what they are offering. I often end up choosing a themed card, rather than a thank you specific card. That way, I can use...
View ArticlePersonal Consumer Issues • Re: Humidifier for the Bedroom
We have used humidifiers for years. Son suffers from nose bleeds if the air is too dry. Going several years back we were using them before we were able to pinpoint certain medical conditions in our...
View ArticlePersonal Finance (Not Investing) • Re: Pay down 6.38% mortgage or invest in...
I disagree, rather vehemently, with @grabiner on the "pay down mortgage fund" concept. If the rates rise, that Vanguard Long Term Tax Exempt fund would lose its NAV, badly. Every 1% rise in rates will...
View ArticlePersonal Finance (Not Investing) • Re: Vanguard message on taxing capital...
Thanks, you are right. Despite Vanguard telling us they had uploaded the whben they had not done so and when they did so the message did not appearStatistics: Posted by Snufkin — Sun Nov 10, 2024 5:03...
View ArticlePersonal Investments • Re: Can you buy ETFs on Vanguard without transferring...
With mutual funds you can just say "Buy $10,000 of VTSAX" and it'll execute the buy and then pull in $10,000 from your bank.Can you do this with ETFs "Buy 5 shares of VTI (pull the money from my...
View ArticlePersonal Consumer Issues • Re: Why does my iPhone keep switching on do not...
My wife's iphone 11 started doing it. Somehow, somebody, not me, had focus set to put it in Do Not Disturb when it connected to her car's sound system.Maybe it was a recent update. She didn't know the...
View ArticlePersonal Investments • Re: Just turned 50...requesting portfolio advice
What is the size in dollars of your portfolio?How much money/year do you expect to spend in retirement?When do you want to retire?Those are critical pieces of information to share if you want to...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity Retirement Planner Results...
For me, Fidelity is also materially more optimistic. I think it’s largely due to the Monte Carlo method vs historical. When researching that, I found this article which may be useful to...
View ArticlePersonal Investments • Re: International allocations?
Just do VT as your world equity holding and never think about it again+1Vanguard has made this simple for investors. Why complicate matters?Statistics: Posted by Claudia Whitten — Mon Nov 11, 2024...
View ArticleNon-US Investing • Re: Cheapest most diversified ETF
SPDR MSCI ACWI UCITS ETF (SPYY), 0,12% p.a.2,681 holdings here Vs 4,243 in the combination I suggested.Probably worth the extra trade and 0.01% fee for that extra diversification for most?2) there's...
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Personal Finance (Not Investing) • Re: [The Finance Buff] TFB: A Rich Life in...
They talk of the utility function of money where, as the accumulation (of money) increases, one's satisfaction decreases.This certainly has been my experience, as I know I'm earning daily interest...
View ArticleNon-US Investing • Re: Fixed income and tax
I should add that this safe part would be best held in EUR or GBP, seeing as most of my equity (all world etf) is USD denominated already, giving me an already large USD currency risk.You've not...
View ArticlePersonal Investments • Re: When to move college funds to a conservative...
The point wasn’t about years when the market closed lower at year-end than it opened in January. Rather, 1977 was the last year in which the S&P 500 never exceeded its opening value throughout the...
View ArticlePersonal Finance (Not Investing) • Re: Pralana Online Released - Impressions
I tried asking the question there. My post appeared as something akin to "awaiting moderation" and then disappeared a few minutes later. I know my numbers will be different after a few years, but it's...
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