Personal Consumer Issues • Re: Pants for cold windy days
My wife bought me a few pairs of insulated pants. Like Jeans and khakis. I'm wearin' them.Statistics: Posted by firebirdparts — Thu Jan 09, 2025 4:27 pm
View ArticleInvesting - Theory, News & General • Re: Simba's backtesting spreadsheet...
Here is the latest version, with 2024 annual returns. The corresponding wiki page will be updated in a couple of days, to allow for feedback in case I messed up something!You can download the...
View ArticlePersonal Investments • Re: Any Reason to Wait on Backdoor Roth?
No reason not to do so now. Many folks here do just this as outsized EOY bonuses can push them above the limit. CheersStatistics: Posted by Silk McCue — Thu Jan 09, 2025 4:28 pm
View ArticlePersonal Investments • when are funds from maturing bond available?
I have a Treasury bond held in a brokerage account that is maturing Jan 15th and I want to reinvest the proceeds. I'm wondering how the maturity process works. Do the funds get deposited in my account...
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Personal Investments • Re: Understanding the math behind a 20 year treasury
Ok I wasn't taking into account that I can actually buy more than 250 bonds with 250k. I'm still confused how 250k at 5.03 yield can return 263k that seems like a 5.2 % yield based on 250k at 20...
View ArticlePersonal Finance (Not Investing) • advice for higher tax than usual
I've been unable to find an affordable tax advisor in my area with availablility, so am hoping folks here might be able to advise a bit. I retired in September 2024 at age 65, and began collecting a...
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Personal Finance (Not Investing) • Re: Final approach to Medicare – age 64
Just quickly looking at your numbers, if the difference between Plan G and Plan G-HD premiums is $2,280 a year and the difference in maximum out-of-pocket is $2,617 ($2,870 less the $257 Part B...
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Investing - Theory, News & General • Re: Aggressive Asset Allocation?
1) Person A is 100% stock with zero emergency fund. But, all retirement expense is funded by pension and social security. So, is person A aggressive in asset allocation? Person A is not taking any...
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Personal Finance (Not Investing) • Re: Kitchen remodel - worth the hassle and...
I mean, you could always do what we did, we remodeled and then we moved Our situation was much removed from today's climate however, and made financial sense for us. I do not think we will do that...
View ArticleInvesting - Theory, News & General • Re: Charitable Gift Annuity_RMD
You can't roll over an RMD to a Charitable Gift Annuity. You would need to take the RMD first and then roll over funds from the remaining balance. You can make a one time roll over of $54,000 in 2025...
View ArticlePersonal Investments • Re: when are funds from maturing bond available?
Answers may vary, so you may want to name your specific brokerage.My experience at Fidelity is that you would see the funds available in the morning, on the 15th.Statistics: Posted by rbd789 — Fri Jan...
View ArticlePersonal Finance (Not Investing) • Re: Possible WEP/GPO repeal [WEP / GPO...
Do you have any evidence that they plan to implement it (like have all the forms ready, have the phone and local SS office agents trained, have the calculations ready to go, are ready to send...
View ArticlePersonal Finance (Not Investing) • Re: Any retirees teach personal finance in...
My local library and likely yours has fiscal literacy classes and tax help. Things like helping folks write a budget or figure out retirement savings . I am not sure of the details but as they are...
View ArticlePersonal Finance (Not Investing) • Re: Vanguard RMD Service May Be Using...
Vanguard should be able to help you with this. There are specialists who deal with retirement accounts specifically. By default, I don't think they'd necessarily know that your spouse is more than 10...
View ArticlePersonal Consumer Issues • Re: What Movie Have You Recently Watched?
Emilia Perez. Jaques Audiard directs Zoe Saldana, Karla Sofia Gascon and Selenas Gomez. A ruthless Mexican cartel leader attempts to live a new life as a woman. A lawyer is enlisted to assist in...
View ArticlePersonal Finance (Not Investing) • Re: Rent vs Buy: Landlord just gave us...
Thank you. Of note, we were told by our potential real estate agent that her fees are 2.5%, but that sellers almost always pay this fee for buyers. Is that possible? That sounds great, but counter to...
View ArticleInvesting - Theory, News & General • Re: Berkshire's Future
Just my opinion but I doubt when Warren Buffet leaves Bershire it will be the same. Apple isn't the same without Steve Jobs and Vanguard isn't the same without Jack Bogle.There may be a hint or...
View ArticlePersonal Finance (Not Investing) • Re: Can One Choose Not to Declare Some...
The question has been answered (per IRS website). This thread has run its course and is locked. See: Locked TopicsModerators or site admins may lock a topic (set it so no more replies may be added)...
View ArticlePersonal Consumer Issues • Re: Electric car and future at home energy costs
I am an admitted solar and electrification fanboy. That said, I think that the future is more and more electric needs in your life, so there’s only gain in having more control over your electricity...
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Personal Finance (Not Investing) • Re: Roth Solo 401(k) Contributions When...
And to be clear (because maybe I am missing your point) prioritizing the SEHID does reduce (in the above example) the amount of pre-tax contributions, but my understanding that it does not reduce the...
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