Personal Finance (Not Investing) • Re: Advice requested - retirement account...
1) If I already have a Roth 401k that's been funded over the last 3 years, is there much value add in having a separate Roth IRA? Potentially, yes. The Roth IRA qualification clock starts with your...
View ArticlePersonal Finance (Not Investing) • Re: Prepaid credit cards or debit cards...
So I have been thinking about having pre paid credit cards or debit cards for the kids. They are in early teens.Many of their friends have credit cards and Apple Pay Note that Apple Pay and cash are...
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Personal Consumer Issues • Any quesadilla maker fans out there?
Yesterday a friend gifted me with their basically-new (used once) quesadilla maker.They're streamlining their kitchen stuff so they said now I could have the chance and a "free shot" to never use it,...
View ArticlePersonal Investments • Re: How a mutual fund expense ratio is acutally charged?
I pick my investments myself. Thank you all for the answers, looks like these are the fees being charged by the plan administrator. So, it looks like they will be charging me about $745 in fees on a...
View ArticlePersonal Finance (Not Investing) • Re: Best advice you have received
"Anything I can't pay for, I don't need". meaning don't buy on credit.Statistics: Posted by theduke — Sun Dec 08, 2024 10:02 am
View ArticleInvesting - Theory, News & General • Re: My New Retirement Thinking: LMP...
Yes but we're talking about a portfolio, so even in those 15 years that saw an unforeseen spike in inflation(in the latter period) the income and total return made a 2% withdrawal rate ridiculously...
View ArticlePersonal Investments • Re: Why the case against a Roth conversion gets stronger?
the case for Roth conversions deep into the 24% bracket is strong for some people. Absolutely. It's likely that our ongoing Roth conversions to the top of the 24% bracket will come out ahead even if...
View ArticlePersonal Investments • Re: Need advice on municipal bond fund
VUSB. If investing in bond funds, kept to the short term funds to minimize losses of your principal. If you go out longer term, any interest rises will decimate your principal. With tariffs looming,...
View ArticlePersonal Investments • Re: Will we be ready for retirement in 4.5 years?
You could start living off your investments now to get used to the idea of spending from your savings, and bank your paychecks/send them to investments right away -- this would be a psychological...
View ArticleInvesting - Theory, News & General • Re: "Are Annuities a Better Fit...
Not if you want liquidity.With index funds, you can easily liquidate everything, leave the country, and take everything with you.My first instinct was to dislike annuities. It ties up a large chunk of...
View ArticlePersonal Finance (Not Investing) • Re: Your Medicare Choices?
You might consider switching to Medicare Supplement 1A. The premium savings are higher than the Part B deductible, and that is the only difference in coverage. Additionally, while Medigap premiums are...
View ArticleInvesting - Theory, News & General • Re: S&P500 or S&P500 equal...
I don't think equal weight is necessary.Statistics: Posted by 3funder — Mon Dec 09, 2024 10:14 am
View ArticlePersonal Investments • Re: Trouble finding correlations for a TIAA account
I'm trying to simplify TIAA holdings.I'd like to see how CREF Global Equities R2 QCGLPX correlates with total US Stock market, VTSAX or FSKAX (or other, similar funds).But QCGLPX doesn't come up when...
View ArticleInvesting - Theory, News & General • Re: Bill Bengen: We Should Market...
A 50% stock, 50% TIPS portfolio should handle even a 10-15 year stretch of down markets + high inflation at a 3% withdrawal rate over a 30 year retirement. Spend down the TIPS (which will give you a...
View ArticlePersonal Finance (Not Investing) • Re: I need to create a Will. Which service?
Often people who think their situation is "simple" are those who don't have a spouse or kids to leave assets to. Those are actually the instances in which (if you care at all what happens to your...
View ArticleInvesting - Theory, News & General • Re: The 4% Rule - Tested on...
Do you know the real return % for the S&P500 and bonds over these time periods referenced in #1 and #2? Mostly curious so I can run some simulations.I don't know anything more than the information...
View ArticlePersonal Finance (Not Investing) • Re: 2025 ACA Health Care Coverage plan choice
So the only thing I'd consider is having the HSA option. For 10 years, I've contributed to one and it's a healthy six figures now.For some reason none of the plans available in my area (Illinois) are...
View ArticlePersonal Finance (Not Investing) • Re: Another Late 5500-EZ Horror Story
That's great to hear, favoriteagency. Appreciate you taking the time to post about the resolution and share your tips/recos.This thread will surely be of value to others in the future!Statistics:...
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Personal Investments • Re: [Help with reading Vanguard statements]
and still wondering if I should start migrating to fidelity, maybe the IRAs to start with , if I might then understand my statements, and gets some reasonable customer service again. Fidelity might...
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Personal Investments • Re: New Guy Question [How should I rebalance my...
Welcome to the forum Thanks for the advice. I didn't look at changing my AA as trying to time the market since the amount of money being invested in total was the same and the assets were the same. I...
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