Investing - Theory, News & General • No equities allow higher withdrawal...
That's why you also buy into a tontine.Wish I could!Statistics: Posted by Lawrence of Suburbia — Mon Oct 12, 2026 1:05 am — Replies 94 — Views 6045
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
Instead of making the CMA less like an ordinary brokerage account, causing all this angst, what they should really do is just merge the two. [...]It makes things so much simpler. Think how many BH...
View ArticleNon-US Investing • Bonds crisis in france: yield rising
We are talking about bond investment, risk and yield. Geopolitical discussion are not in my interest. The market is efficient. More risk, more yield. If we look at the real yied of 10y bond, the...
View ArticlePersonal Finance (Not Investing) • 46 y.o. - continue maxing tax advantaged...
I read the other thread (didn't search for it before). Looks like my guess of $250K spend/year (including taxes) is about right. I get you want permission to spend more. No problem, do it. Just...
View ArticlePersonal Investments • Question on International Equity: Market...
This is a good point, and it has been discussed in different forms before. The basic idea is to own the broad market as efficiently as possible.Some parts of the economy are not publicly traded and...
View ArticlePersonal Finance (Not Investing) • Can a person relax if they see the...
I am very relaxed because interest and dividends provide 1.5X my annual living expenses before SS. I don't even pay much attention to my portfolio and still reinvest every month into the stock side...
View ArticlePersonal Investments • Need for Financial Planner with Fed employee experience
Many thanks for the additional info.Statistics: Posted by InvisibleAerobar — Sun Oct 11, 2026 11:49 pm — Replies 23 — Views 974
View ArticlePersonal Finance (Not Investing) • Simplifying
If you are retiring or at least terminating employment where your current 401k plan is from, absolutely fill up the Roth space, perhaps even do mega back door Roth. Roth is far preferable to taxable....
View ArticlePersonal Consumer Issues • Does this sound expensive for tree cutting services?
That's assuming it's a three hour job.It's definitely not a one hour job, that's for sure.Statistics: Posted by Beensabu — Sun Oct 11, 2026 11:38 pm — Replies 33 — Views 1194
View ArticlePersonal Investments • Cashing in Before RMDs
The LTCG tax rate (for single, up to ~$49K) is 0%, so spread it over this year and next and you should pay 0% on the gain. Most would suggest taking some of the gain (at 0%) even if you are bullish on...
View ArticlePersonal Finance (Not Investing) • Kurt Vonnegut and Joseph Heller
Kurt Vonnegut and Joseph Heller had a famous exchange at a billionaire’s party on Shelter Island, which Vonnegut immortalized in his poem "Joe Heller" published in The New Yorker in May 2005. When...
View ArticlePersonal Finance (Not Investing) • Why is Roth 401k not as preferred as...
The Roth 401(k) is usually a traditional versus Roth decision. Most investors prefer a traditional 401(k) over a Roth 401(k) given the choice.Investors who prefer a traditional 401(k) would usually...
View ArticlePersonal Investments • Worth considering an unconventional approach to fund a...
My retirement planning situation is slightly different from most people. I am planning to leave a significant bequest to my two children. More unusually, I have a teenaged child with severe autism who...
View ArticlePersonal Finance (Not Investing) • Renaming VG passkey?
As probably every VG user has experienced by now, when logging days you are prompted to create a passkey.Having investigated this, it seems like the preferable choice. I was also happy to see that...
View ArticlePersonal Investments • Speeding up mortgage payments for a recently bought...
The question that is bothering me is: Should I sell YOY 20%+ returning assets (individual stocks) to pay down mortgage, a.k.a reverse bond with -5.25% rate with an unfortunate exponential decay where...
View ArticlePersonal Consumer Issues • PSA for 35+ hour refrigerator battery backup:...
Thanks for the PSA. Just purchased one.Does anyone know how long the battery stays charged if turned off at 100% and in storage?I charged my S2000 up to 100% maybe a month ago and forgot I had done...
View ArticleInvesting - Theory, News & General • Long term TIPS real yield at 3%
Makes sense to me if you have a suitable investment horizon, or if you're combining it with a shorter duration bond fund(s). I bought my initial $500k in LTPZ almost six years too soon and the rate of...
View ArticlePersonal Investments • Roth conversion secrets
For example, say you pay 32% marginal rate to convert $500k or $160k and the market doubles, you have 2x $340k or $680k. I don't understand this example at all. What do the numbers represent?OTOH, say...
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Personal Investments • Checking account that "pay early" on direct...
My CU does this as well - my SS deposit planned for the bloody 4th Wednesday is magically credited on Mondays. So, a few pennies but I generally pay bills with it so ...I will note this IN NO WAY...
View ArticlePersonal Investments • $114K to be withdrawn in 2-3 years
Thank so much! I appreciate these thoughtful responses.This year, she is giving $19K to me, while her husband is giving $19K to my kid; I believe that in the next two years, these will be adjusted to...
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