Investing - Theory, News & General • Re: Expectancy of selling options
You are quite good at challenging other's thoughts and I value the great insights you have provided in some of your posts which have caused me to rethink. However, I felt I needed to challenge your...
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Investing - Theory, News & General • Re: Why (or at what YTM) does it...
As someone grappling with this decision, Why is it "ok" to use the 2% long term real return on long government bonds since 1900 as a "timing" mechanism, ... but NOT ok to use the long term real stock...
View ArticlePersonal Consumer Issues • Re: What Book Are You Currently Reading? Part VI
The Quest for a Simple LifeStatistics: Posted by jaqenhghar — Sat Jun 08, 2024 11:35 pm
View ArticlePersonal Investments • Re: strategy for buying VTI?
Have 2M in stocks that I have invested over the last 20 years, high risk/tech, did very well, but now my risk tolerance has changed. Sold all of it this past week. What would you recommend if now that...
View ArticlePersonal Finance (Not Investing) • Re: Reinvest Dividends During semi-FIRE?
My job has ended due to a restructuring, and I realistically am looking at a 6-9 month "semi-FIRE" period at least. We are at 30-33x expenses with flexibility to reduce expenses if needed, so my...
View ArticlePersonal Investments • Re: Vanguard statement problem, CSR can't recognize...
The short answer. I was wrong. I thought Vanguard’s records must be creating a tax-reporting issue.But I checked my brokerage 2023 statements vs 1099, and both are in agreement: the Jan23-Dec23...
View ArticlePersonal Finance (Not Investing) • Re: Buying a Home in SoCal
I should sell a serial... We decided California was too difficult, and I received a job offer I really wanted in Washington State (not Puget Sound). My wife wasn't thrilled, but went along with it. We...
View ArticlePersonal Consumer Issues • Re: Step-Up to Kitchen from Hall - Is It a No-No?...
One common reason for a “step up” is converting something that was slab on grade into something needing plumbing. Easier to built a false floor and run pipes than jackhammering the slab. Still, I’d...
View ArticlePersonal Consumer Issues • Re: Water Pressure Regulator
When we first purchased our home the incoming pressure was 160 PSI (we live halfway down a hill that has a water tower not too far away). The pressure was so high (though we didn't realize at the...
View ArticlePersonal Finance (Not Investing) • Re: Contributing to Roth 401k at 64
What marginal tax rate would you save by making traditional 401k contributions now, what do you expect for your marginal tax rate after retirement, and when do you expect to retire?Statistics: Posted...
View ArticlePersonal Finance (Not Investing) • Re: Something like sawdust near the front...
When you say near the front door, what is directly above the sawdust? If it’s cedar siding or anything with small gaps that allows for nesting, it could be mason bees. See if it persists for more than...
View ArticlePersonal Investments • Re: Figuring out where to park "backup"...
I think the idea of having two separate accounts for "emergency funds" in savings accounts that earn less than your regular checking account is completely insane.However, I am also married to a...
View ArticleInvesting - Theory, News & General • Re: gougou's shareholder yield strategy
Return = dividend yield + growth + multiple expansionThe dividend yield of my portfolio is about 10%.From my analysis of the individual stocks in the portfolio dividends have been growing and there...
View ArticlePersonal Investments • Re: Mechanics of Roth Conversion
This is my first year taking RMD. I do not need the money. I read the Bogleheads wiki on Roth Conversions, but was looking for some clarity.Thanks for that observation. Wiki updated to clarify that...
View ArticlePersonal Investments • Re: Investment options for BUSINESS MONEY?
Hey there. I have the same issue. Hopefully by sharing what I do, that will help you make a plan. I'm not great at budgets, so every month I withdraw money from the business based on the previous...
View ArticlePersonal Finance (Not Investing) • Re: Not Married housing expense fairness
Thanks for all the input, it's given me a lot to think about. For those of you who might opine some more here are a few more details. I'm 57 and plan on retiring at 60 and drawing SS as a widower. My...
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Personal Finance (Not Investing) • Re: How to react - laid off / outsourced
These may be really stupid questions. I'm in my forties but only in my second job of my adult life, and the first job change was clean and simple: heard of something better, applied and accepted, off...
View ArticlePersonal Finance (Not Investing) • Re: Apple Pay on iPhone in Europe
Works better than a credit card in my experience.American cards require a signature, but a shopkeeper may not have a pen for you to sign. I carried my own pen until I realized that I can pay with my...
View ArticlePersonal Investments • Re: IRA-poor?
The words “$7M” and “poor” in the same post might be a new boglehead recordThis one made me laugh.Statistics: Posted by cosmos — Mon Jun 10, 2024 11:47 pm
View ArticlePersonal Investments • Re: Roth/Tax question
With that large a tax-deferred account, I think some Roth conversions are likely a good idea. But why $200k and why just 2 years worth?I suggest doing more analysis - look at converting to just under...
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