Personal Investments • Re: Fixed Income - Bonds vs Cash
Wow. Ok. Impressive. I also want to be FI. If you're FIRE, then you can do whatever you want and shift as needed. I don't want to be forced to sell equities in a downturn.The intent of my post was...
View ArticlePersonal Investments • Re: Portfolio Review
Thank you, Bonesly, for the quick review and thoughts on some potential actions for me to take. I also appreciate you sharing you AA from non-retirement years into your retirement years. Your AA is on...
View ArticleInvesting - Theory, News & General • Re: Taxpayers should consider...
Good day.Why would I want to pay with todays dollars that I could put off until tomorrow with tomorrows dollars?For all the concern about diversification and fear of a downturn, why not wait until the...
View ArticlePersonal Finance (Not Investing) • Re: The Cheapest & Best Tax Prep...
I'm also still waiting on a K-1. So hopefully FreetaxUSA and OLT will make that painless.FWIW, I do have K-1s. It was very easy to add the K-1 info to FreeTaxUSA.Statistics: Posted by WeakOldGuy — Fri...
View ArticlePersonal Finance (Not Investing) • Re: EOY Report on Personal Finances for...
My spouse has no interest in any of it, so I don’t bother.Statistics: Posted by Cletus Davenport — Fri Jan 31, 2025 5:36 pm
View ArticlePersonal Investments • Re: So Why Not 100% Equities
Maybe it'd be helpful to think of this not as 100% equities but as some combination of pensions, social security, real estate, and equities.Actual 100% equities with no other sources of income at 72...
View ArticlePersonal Finance (Not Investing) • Re: Married filing jointly
From a tax perspective, if you're married on the last day of the year, you really only have two filing status choices: MFJ or MFS. In almost all cases, MFJ will produce a lower tax bill than MFS, but...
View ArticleInvesting - Theory, News & General • Re: Large Roth conversions against...
Conventional wisdom almost always has some exceptions. There may be cases where this works but I'm not likely to be one of them. Some people do put a high value on convenience so this could be one...
View ArticlePersonal Investments • Re: Best approach to minimize taxes Fed and State (CA)...
Got it that makes sense. I will foregoe VCADX than for now and continue with the existing strategy.Statistics: Posted by carbonfiber248 — Sat Feb 01, 2025 5:34 pm
View ArticleInvesting - Theory, News & General • Re: "Vanguard Thoughts: After...
Bogleheads:I have been a Vanguard investor for more than 50 years and a very satisfied customer. I would not consider moving to another mutual fund company. I'm not at 50 years (21 maybe?), but I feel...
View ArticlePersonal Investments • Re: $10 MM Net worth..need advise on growing to $20 MM
Seeking advise on how to grow this to $ 20 MM (in todays dollars) in 20-25 year timeframe..desire to leave this as legacy for progeny. Hold~ $7 MM in invested/investable assets and ~$ 3 MM in fixed...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Hey for those who were successful with the ACH transfer from Schwab to Smartly Checking for the $450 bonus, how exactly did you setup the ACH transfer on the Schwab side?Statistics: Posted by guppyguy...
View ArticleInvesting - Theory, News & General • Re: Market volatility versus stay...
OP,Only 14.5% of my portfolio is in the Total Stock Market Index. And, plus 10% of my portfolio is in the SmallCapValue. I am prepared.KlangFoolStatistics: Posted by KlangFool — Sat Feb 01, 2025 5:38 pm
View ArticleInvesting - Theory, News & General • Re: How to Pay Next-to-Nothing in...
Several controlled studies in behavioral economics have demonstrated that people are willing to pay more than $1 in total costs to avoid paying $1 in taxes. I saw it in my own household growing up as...
View ArticleNon-US Investing • Re: Amundi ETFs?
Having done some more research and thinking, I do think an ETF closing / liquidating is a serious risk in a taxable account, since you'll have to prematurely pay capital gains tax and won't get...
View ArticlePersonal Finance (Not Investing) • Re: Check whether my understanding of...
If the individuals taxable income is $2400 isn't the tax due at the 10% level,not 30%?No because of "kiddie tax" rule.However the kiddie tax rule would only apply if the child were being claimed as a...
View ArticlePersonal Consumer Issues • Re: Vacation in Burlington VT in July
Full Day Trip (or quick trip to Mt Philo State Park & back to Burlington)*Mt Philo State Park: about 12 miles south of Burlington off of Rt 7 through Shelburne, VT; drive up to the top of the...
View ArticlePersonal Consumer Issues • Re: Wikipedia... or what? How to look things up?
It's not a general reference site, but for certain things, archive.org can be sheer gold. It is a messy, difficult to search website. The digitized images are often poor quality; the OCRed text even...
View ArticlePersonal Investments • Re: US Bancorp Investment account for US Bank 4% CC...
In my case, it was a stock mutual fund distribution and, while the reinvestment didn’t show up for a few days, the reinvestment price was correct. It'll be more difficult to determine if the late...
View ArticlePersonal Consumer Issues • Re: Wallet stolen in Rome, no money, now what?
Always make sure the hotel you are staying at has a room safe. Keep you passport in there, as previously mentioned there is no need to walk around with your passport.The law in Italy requires that...
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