Personal Consumer Issues • Re: Targeted Ad
Fyi,I change from Google search to DuckDuckGo a coule of months ago. I receive much fewer ads with the different search.Statistics: Posted by Dottie57 — Thu Dec 05, 2024 9:20 am
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Personal Finance (Not Investing) • Re: [Voluntary Severance Package]: take...
We will promote you to Fellow on this forum.I don't think you can be a BH Fellow without 10,000 posts. So it might take a few months. Statistics: Posted by mhadden1 — Thu Dec 05, 2024 9:20 am
View ArticlePersonal Investments • Re: Explain buying TIPS to me like I'm 5
How did you calculate the vale 1.3439. Math is nor my string suit.Phone calculator to "scientific", 1.03 xy 10 [i.e. 1.0310]Thank you!Statistics: Posted by Dottie57 — Thu Dec 05, 2024 9:21 am
View ArticlePersonal Finance (Not Investing) • Re: How do I get out of Fidelity's PCG...
As an aside:My experience is that when you send a "Secure Email" to Fidelity on the website, your PCG team is automatically looped in somehow. In my most recent case, the PCG team shepherded a...
View ArticlePersonal Investments • Re: 12yo wants to start investing - 529, UTMA, other...
It does include cell phone coverage and purchase protection. So if you cancel AppleCare on their phone, it might pay for itself. If you have more than one kid, it could come out ahead.Inexpensive...
View ArticleInvesting - Theory, News & General • Re: How would inflation impact...
TIPS would lose value the longer out the duration. You’ll be made right when they mature. It’s really a question of how far out in the curve you want to buy if you’re not building a ladder.My...
View ArticlePersonal Investments • Re: Wells Fargo Preferred L (WFC.PR.L) - Too Good To...
Symbols for preferreds vary from broker to broker and quote system to quote system.At Schwab the symbol is WFC/PRL and at Fidelity it would be WFCPRL (I think). Other brokers may be different. A good...
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Personal Investments • Re: First time investing and desperately seeking help
Hey everyone! This is my first time here so please be patient with me because I have no clue what I’m doing . I NEED HELP!!!! I am a 53 yr old widow who recently lost her husband several years ago. He...
View ArticlePersonal Investments • Selling Advice
I have about $340k in a taxable brokerage account (3-fund portfolio) with Vanguard. I'm currently going through a divorce and I need to sell about $180k of the investments for a downpayment on a...
View ArticlePersonal Investments • Re: Roth IRA 2025
... Should I just do a backdoor Roth even though I might not exceed the income limit? Sure, you can use the backdoor Roth strategy, assuming you know what you're doing with IRS Form 8606. Have you...
View ArticlePersonal Finance (Not Investing) • Re: Are shiny money apps really necessary?
I only do one thing, I set my savings rate at 35% of my income, after paying bills, the rest I can spend on....really anything. I know what my bills are, house is paid for, cars are paid for, so it's...
View ArticlePersonal Finance (Not Investing) • Re: From what source should I pull $100k?
Burn the whole emergency fund and 7k of the checking account. You've got your taxable brokerage as a backstop while you replenish it.OP, why wasn't the above option your first option? Why would you...
View ArticlePersonal Investments • Re: Roth conversion in up market?
I held off on a conversion at the beginning of the year anticipating a pullback after the run up of last year. Of course that never happened and before I knew it the market was up close to 20%....
View ArticleInvesting - Theory, News & General • Re: Is there a preferred time of...
Just curious if there is some rationale of a preferred time of day, or day of the week to make trades. I know, I know...no market timing. But I've heard some lore about avoiding the first hour of the...
View ArticlePersonal Finance (Not Investing) • Re: Which method of withdraw rate is gear...
You can simply calculate how much any percentage withdrawal gives you and compare it to the annuity payout. I think the annuity wins if you are okd enough.As a practical matter, you would just spend...
View ArticlePersonal Finance (Not Investing) • Re: I feel like I should try to fill the...
After converting the last of our traditional IRAs this year we have around $6000 headroom left in the 22% federal tax bracket. My wife does not have access to her traditional 401k/TSP account funds...
View ArticlePersonal Investments • Re: Thoughts on bonds vs. cash
Here's how I think about it. I am retired with most of my invested assets in retirement accounts. When interest rates rose, I transferred money from my bond index funds to MM funds because the MM...
View ArticlePersonal Investments • Re: how to make a bind ladder when not allowed to buy...
But is it a viable alternative for me to buy the Black Rock iShares iBonds fixed term (fixed maturity date) Treasury ETFs via the Schwab SDB to construct a "bond ladder"?Of course it is a viable...
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Personal Investments • Re: Approximating total stock market with three funds:...
Will I not need to re-balance among the three US funds if I want it to continue to track the total market? If I must, then I am exposing myself to unnecessary tax liability that I could have simply...
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Personal Investments • Re: Teacher 10 year check up ( NYS)
This is not looking great I don’t think….Unfortunately I have to agree. My calculations say you are almost $12k short. Total combined salary = $147k + $139k = $286kCapital gains = $12kGross income...
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