Personal Investments • Re: tax efficient alternative to high yield savings
You could consider laddering and auto rolling 4 week T bills. Every week you would have the option to cash 1/4 of the investment. They’re currently paying 5.3% and you avoid state tax.I am researching...
View ArticlePersonal Investments • Re: Delayed Social Security Calculation
Have you used https://opensocialsecurity.com/ with the "Click here [ ] to select situation(s) " function to see different scenarios? Especially useful to see if a spouse will be effected by SS timing....
View ArticlePersonal Finance (Not Investing) • Re: HELOC or savings for remodel, etc?
I would use a HELOC for the house but not the car. If you really need a car you can use savings for it. I applied for a smaller HELOC considering my equity and plan to use as a backup for home...
View ArticlePersonal Finance (Not Investing) • Re: Credit Card Question for College Freshman
Banks use FICO scores for credit cards. If your 788 is from anything other than FICO your FICO might be lower. There are lots of different FICO models also and each will have a different score. Still...
View ArticlePersonal Consumer Issues • Re: Follow-up Actionable Housing Post /...
You might have to commute. I have cousins who all have nice houses, but most commute at least one and a half hours each way to work if they don't work locally. It is just part of life for...
View ArticleInvesting - Theory, News & General • Re: Where did the 3T+ Nvidia money...
A very, very small part of it is my 5% fun money. I moved that 5% to the NVDA boat and I will ride that boat until NVDA is no longer dominant in AI.If you have a lot of funds already in VTI or SP500...
View ArticleInvesting - Theory, News & General • Re: What's Been The Best Investment...
My marriage!Statistics: Posted by WhitePuma — Fri Jun 21, 2024 1:17 am
View ArticlePersonal Investments • Re: Are there actually any good financial advisers?...
Based on all the reading I am doing, I am reasonably confident of my ability to just buy and hold a two or three fund portfolio. And no, I don't make rash decisions, investment or otherwise.A one-off...
View ArticlePersonal Investments • Re: Best place to park $250k for a year
You can remove the money after the 105th day, just keep a nominal balance in it. You can close it after 180 days.The bonus is 1.5% for 105 days, so approximately 4.5% if annualized. Plus 4.25% on the...
View ArticlePersonal Finance (Not Investing) • Re: Social Security Torpedo
The quote you posted from ssa seems to indicate the taxes from the additional 35% taxable income might not make it back to SS.The income tax paid on the additional 35% goes to a Medicare trust fund,...
View ArticlePersonal Finance (Not Investing) • Re: IRA Draw Down Strategy to Reduce RMD
That long term plan should be based on... total taxes paid or final after tax assets as the figure of merit [for a given spending plan, or maximum spending for a given final after tax assets].I...
View ArticleInvesting - Theory, News & General • Re: NewRetirement Frustrating Results
I tried newretirement as well ad gave up after a few hours.Statistics: Posted by Retire — Sat Jun 22, 2024 12:53 am
View ArticlePersonal Consumer Issues • Re: Tell me about gin
i don't really drink anymore as it just makes me fall asleep, but if you like botanical flavors, i will add:cocktails--- look up the Last Word (someone mentioned this already so seconding this), the...
View ArticlePersonal Investments • Re: How Can One Increase Shares in Vanguard...
When you buy fractional shares from Schwab, they charge a very low fee. If you don't know how it works, it goes like this: Chipotle Mexican Grill (CMG) is currently $3,210.49. I want to buy $100.00...
View ArticlePersonal Consumer Issues • Re: Where to Purchase High End New Sport Coat....
shopthefinest and yoox, both fully legit long-time online seller of italian ready to wear garments. vastly better selection than any one physical retail shop or department store. if you are familiar...
View ArticlePersonal Finance (Not Investing) • Disaster: Once Per 12 Month IRA Rollover Rule
I think I might have violated the once per 12 month rollover rule and the tax bill may be very large.I was trying to close out my Roth IRA and move to a different custodian. I made two distributions 5...
View ArticlePersonal Finance (Not Investing) • Re: Retire in France, Shall I move my...
Facts show that many states will recognize your right to register to vote in their state based on your parents' previous domicile.CaliforniaA U.S. citizen who has never resided in the U.S., who has...
View ArticlePersonal Finance (Not Investing) • Re: Funding an Able Account from a Special...
Food (through 9.31.2024 after which it isn't an exception anymore),Really? We can now directly supplement food costs without impacting SSI benefits. That's great if true!Statistics: Posted by geobrick...
View ArticlePersonal Investments • Re: Time to go 90/10?
It isn't make sense but rather what is your preference and judgement.This chart shows what history says the prospects for different asset allocations can be given an estimated withdrawal. See what you...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity CMA - direct experience?
Interesting. However, Vanguard Cash Plus allows their VUSXX, which is 5.29% currently (with 0.09% exp ratio). Vang is still better, but at least it's closer.You can buy sprxx or fzdxx in cma, and it...
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