Personal Finance (Not Investing) • Re: RMD Tax Withholding
Yeah. I realize that part was not your real question, but thought you or others might decide to follow that pathway....without realizing there was a stumbling block in the way.So the real question is,...
View ArticlePersonal Investments • Re: Should I pay off my mortgage?
A 2.5% mortgage rate is epic, unlikely to be seen again. Keep it.Statistics: Posted by TheMusicNeverStopped — Fri Jan 17, 2025 3:08 pm
View ArticlePersonal Finance (Not Investing) • Re: Spousal protection via life insurance...
It occurred to me to wonder whether there is an insurance/annuity product that could help address this: something that starts to pay a life annuity to the surviving spouse, triggered by the death of...
View ArticleClik here to view.
Investing - Theory, News & General • Re: Why? - Tesla Stock Jumps Amid...
Musk's last social media purchase went so well, let's try to get in on the next one! This one could well be at a knock-down price. The problem with X/ Twitter was that he didn't take securities law...
View ArticlePersonal Finance (Not Investing) • Re: Best options for helping aging father...
Yeah that makes sense. If there's no consideration for having any equity to pass on there doesn't seem to be much of a downside for him.The reverse mortgage does require him to live there. If he's out...
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
In those same results:https://www.spongebath.com/blogs/news/h ... ge-anymoreResearchers found that popular sponge-cleaning methods can only reduce general bacteria up to 60 percent, while making the...
View ArticleClik here to view.
Investing - Theory, News & General • Re: "System issue impacting...
Sorry, that was sarcasmNo problem - internet sarcasm is tough at times. Reading some of the Reddit posts I hope many of them are a bit exaggerated but I feel for the folks living paycheck to paycheck...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
Why take the additional risk?Yep, this tickled my funny bone.... Goldman put a pic of a US truck on the front of their report with lyrics to a country song celebrating US exceptionalism....Then they...
View ArticleInvesting - Theory, News & General • Re: Bucket Strategy [How does the...
You could perpetually keep refilling bucket 1 with dividend distributions.In the event a market crash happens when your cash reserve is nil and has you forced to sell some shares, it will only be some...
View ArticleInvesting - Theory, News & General • Re: The two-fold risk of TIPS
1)A systematic thumb on the CPI couldn't be kept from the worker bees who calculate it.2)Those worker bees have salaries with COLAs indexed to the CPI they calculate, and they can drop an envelope to...
View ArticlePersonal Investments • Re: Bonds?
I am about 8 years away from retirement and just can't see the sense in bonds. Someone please help me out here I know everyone tells me I need to do bonds to mitigate risk, I get that but with sub...
View ArticleInvesting - Theory, News & General • Re: VGSH or rolling ladder of T-Bills?
That is an excellent point. I have never understood why a brokerage would let you use them to buy Treasuries at no commission, if there was not some way for them to make a profit off of it.For the 3...
View ArticlePersonal Finance (Not Investing) • Re: Stacking Umbrella Insurance with RLI ?
Thank you. That is great information.Statistics: Posted by dang1 — Sat Jan 18, 2025 3:18 pm
View ArticleInvesting - Theory, News & General • Re: Excessive 2024 Cap Gains from...
"Caution: this fund can generate significant short term and long term capital gains at the end of each year that could have adverse tax effects. Investors should consider this fund more suitable for...
View ArticlePersonal Investments • Re: The Standard 401k ticker symbol FXAIX
The Standard is an insurance company so the 401k is most likely structured as a group annuity. The Standard collects all money from all participants and invests it directly with, in this case,...
View ArticleClik here to view.
Personal Finance (Not Investing) • Re: Reimburse HSA and invest in brokerage...
Due to the tax advantages, I would suggest leaving (and growing) the HSA and using it for retirement medical expenses, which, as previously mentioned by others, may be higher than one might anticipate...
View ArticlePersonal Finance (Not Investing) • Re: TurboTax 2024 software offer
Thank you for posting this. What I don't understand is why Amazon has the same product, at the same price, but without a gift card. What's the catch?https://www.amazon.com/TurboTax-Deluxe- ......
View ArticlePersonal Investments • Re: Roth vs traditional
Or just do both, and tax diversify.Honestly, we waste a lot of time trying to optimize when it's probably just better to remember there are tradeoffs whatever you choose, so do some of both/each...
View ArticleClik here to view.
Personal Investments • Re: Should I replace my BND with SCHD?
I have used BND more as conventionally prescribed rather than going into details or the weeds per se, "the 3 fund portfolio" following this forum for more than 30 yrs as DIY, never thought of another...
View ArticlePersonal Finance (Not Investing) • Re: Bank of America/Merrill Edge -...
Has anyone dumped Preferred Rewards and later regretted it? I'm tired of having a bunch of different brokerage accounts and want to consolidate. Not sure it's worth $800 a year or so to have another...
View Article