Personal Investments • 20 years old with too much money
I get the impression that you will not be comfortable holding 100% in stocks as others have suggested. You seem to be risk averse. You also mentioned that something like VSMGX gives you comfort. I...
View ArticlePersonal Investments • Muni bond fund
As someone who is also in accumulation and is only now looking into bonds/munis (so take with a grain of salt): I think I'd tax-loss harvest into shorter duration funds. My crystal ball is cloudy but...
View ArticlePersonal Investments • Portfolio review
The 30-day SEC Yield of FXNAX is currently 4.97% according to the Fidelity website. The trouble here is that newly issued bonds have only been paying 5% for about 20 minutes. Eventually these higher...
View ArticlePersonal Consumer Issues • Tips for unsupported bike ride
300 Miles is likely a 4-7 day ride. Staying in hotels makes this much simpler.Rig your bike with a rack and a couple of water-proof panniers (just two - on the rear wheel). Pannier 1 - Riding gear: 2...
View ArticlePersonal Investments • Best use of cash right now
4. Pay off the mortgage? We owe $407K at 3.125% with a monthly P&I payment of $2543. It's not a big strain on our budget but there is some emotional value in being debt free. $300K gets me close,...
View ArticlePersonal Investments • Should I use my TIAA Traditional money as my bond fund?
TIAA traditional is available to non TIAA accounts as well. For instance we have it available through Fidelity. TIAA does not have me listed in their records, and fidelity reps don’t really understand...
View ArticlePersonal Finance (Not Investing) • Aging without family support
And a geriatric care manager might very well be part of the solution here. But the cost is steep. In my area, such a care manager would be $85 to over $100/hour. When helping an elderly relative, I'm...
View ArticlePersonal Finance (Not Investing) • 2027 FEHB Premiums/Info Released
Interesting. fepblue isn't advertising the new rates on their main site but if these figures are accurate, our BCBS Standard premium is going up 9.5% over 2026. It went up 7% last year over 2025 and...
View ArticleInvesting - Theory, News & General • What's up (or down) with TIPS?
Out of curiosity, how many folks plan to sell duration matched TIPS when the 10 year TIPS first become available for the gap years versus just selling the appropriate amount of bonds in the actual gap...
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Personal Investments • Trying to understand wash sales
They are essentially substantially identical when your broker says so. In seriousness, the IRS does not have a record of your purchases. If the trade passes muster with your broker, you'll never get...
View ArticlePersonal Investments • Tax-loss harvesting a municipal bond fund that...
Since you have satisfied the six-month rule, you are correct that you will benefit from waiting.The same principle can also apply in either direction to selling other funds; you want to pay the tax on...
View ArticlePersonal Consumer Issues • Identifying Pitches While Watching MLB
A four-seam fastball will not arc. It will look straight as an arrow but can rise a fair bit because it has backspin. Not to quibble, but this is actually a myth--though one believed by many. A...
View ArticlePersonal Finance (Not Investing) • IRMAA Brackets
The 2027 IRMAA brackets will be set (kinda) when the Sep CPI is released on 14 Oct. Unknown is how SSA will incorporate the missing Oct 2025 info (i.e. government shutdown) but Harry Sit at The...
View ArticlePersonal Finance (Not Investing) • Financial and Estate Planning Consequences...
The more I think about it there is really only so much precision that can be obtained. If you know the current marginal tax rates are the same, there are a lot of variables that could change that -...
View ArticlePersonal Finance (Not Investing) • Should I consider a career change at this...
I recommend using Indeed.I am in a similar situation but a few years older and am looking for a new job due to a layoff in May. My search is a little halfhearted (I could retire now), and I depend...
View ArticlePersonal Investments • Should I be contributing to the Trump Account?
I know many grown adults who can’t help themselves from cashing out their 401(k). I also know who I was as an 18-year-old. Why do we assume that this money is going to make it to retirement? I am...
View ArticlePersonal Finance (Not Investing) • IRS Refund Freeze and Additional Account...
I checked my status on the IRS website today...no change.I noticed a "Compliance Report". It was dated Sept. 29...I don't know if that is because I requested it today (9/29) or if it is a letter that...
View ArticlePersonal Finance (Not Investing) • Any one consider using range? [Range...
I checked out Range and found online complaints about support issues when the software doesn't work properly and account syncing as well as data update errors. AI might be the wave of the future, but...
View ArticlePersonal Consumer Issues • Ok to completely change attorneys/law firms?
A lawyer can’t necessarily just stop working unless you terminate the engagement. For example, they certainly can’t not answer discovery requests and IMO it’s quite unprofessional not to answer...
View ArticlePersonal Investments • Fisher investment
I am a Fisher Investments client, and I regularly compare my Fisher account's performance to the non-Fisher accounts in my portfolio and also to benchmarks. I see that in this forum thread only one or...
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