Personal Finance (Not Investing) • projecting for retirement - can we retire?
DW and I are 54. At 57 we are projecting the following income stream:2027 DW - $90,000 pension2027 moi - $90,000 pension2032(62) - DW ss $36,0002035(65) - moi ss $50,000Home - projecting paid off...
View ArticleInvesting - Theory, News & General • Re: Rookie Seeking Advice
what sorts of things would be among the MOST important advice you would give? Live below your meansDevelop a workable planNever bear too much or too little riskInvest early and oftenInvest with...
View ArticlePersonal Finance (Not Investing) • Re: Close to FIRE number but burning out...
- Look for work with more WLB and stability but much lower income: I'm thinking a gov or university job would fit the description. This would basically be Coast FIREYou need to be cautious about...
View ArticlePersonal Investments • Re: I have 20K I want to Contribute to an IRA. Any...
I’ve got ~20K I want to invest long term in an IRA.I’m new to investing and want to get some advice on specific companies people are looking at. I believe that within my lifetime, these are the next...
View ArticlePersonal Investments • Re: How to minimize LT Capital Gains on a big stock win
Consider selling shares gradually over several years to reduce your tax burden and avoid IRMAA spikes. This will allow you to spread your tax payments over a longer period of time and minimize the...
View ArticleInvesting - Theory, News & General • Re: Schwab US Small-Cap ETF: What...
It looks like SCHG has done much better over the past decade or so. Does SCHA contain the type of assets where it will have a fair shot of outperforming SCHG in the decades ahead? Sometimes, it's hard...
View ArticlePersonal Finance (Not Investing) • Re: Mercury Has Launched Personal Checking...
Without any clue as to what Mercury Treasury is, it's hard to say for sure that it's not "a competitor to Schwab" but I'd be astonished if it is.https://mercury.com/treasuryThey'll invest your money...
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Investing - Theory, News & General • Re: Now that long TIPS yields have...
Need a smart person to answer this one....?Is there any way to construct a reasonable approximation of historical tips yields?As a start, the below link shows TIPS yields since 1997, highlighting a...
View ArticlePersonal Finance (Not Investing) • Re: Money towards mortgage principal or...
I calculate the REAL mortgage interest asAPR*.78 - InflationWhere 0.78 = (1 - tax-bracket)You have to beat that with your nominal investment return to the tune ofAppreciation%/0.78One wrinkle here...
View ArticlePersonal Consumer Issues • Re: Analysis paralysis with new car purchase -...
Same but we are forced into it because our old subaru is being totalled out. Debating between used MY or new MYUsed.Statistics: Posted by MH2 — Mon Apr 29, 2024 11:32 pm
View ArticlePersonal Finance (Not Investing) • Re: Budget for healthcare
Personally, I would budget somewhere between $1000 - $1200 per month.That would be almost a 25% jump in my budget. I'm only planning on spending $48,000 a year in total including taxes. And that isn't...
View ArticleInvesting - Theory, News & General • Re: Downside to VG Cash Plus MM Acct?
But for those who insist in FDIC, I think CP will be a better choice over time than most banks, avoiding the need to be a yield chaser and keep moving banks.DW and I keep our EF in I bonds.We are not...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
I don't know if you listened to the Whitney video linked earlier, but she dropped the scary sound-byte that the last deficit was funded with T-bills as demand for higher duration bonds was not...
View ArticlePersonal Consumer Issues • Re: Chair Mat for hardwood floors
If you have an office chair on casters, unless you really want a mat, check out these , for example:https://www.amazon.com/gp/product/B08JM ... UTF8&psc=1They replaced your "standard" chair...
View ArticleInvesting - Theory, News & General • Re: Bear market rallies (bond case)
If you read the Wall Street Journal and similar publications for long enough—40 years and counting for me—you will have been exposed to the lore surrounding the “bear market rally.”Everyone pretty...
View ArticlePersonal Consumer Issues • Re: Vanguard website issues
FWIW, I'm using Chrome.Statistics: Posted by Mel Lindauer — Tue Apr 30, 2024 11:28 pm
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Personal Investments • Re: Possibly moving to Fidelity - ETFs?
Because of estate planning issues, my DH and I are considering moving from Vanguard to Fidelity.What "estate planning issues" do you speak of ?I had a non-trivial estate plan created last year and...
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Investing - Theory, News & General • Re: Ten Years In Cash, Everything...
I was half-asleep on the divan the other evening, woke up with idea that a fantastic in-retirement portfolio would be to have 15 years of likely withdrawals in a diversified, indexed bond fund, and 15...
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Personal Consumer Issues • Re: Shatter my Van Life Dreams
We are two years away from retirement and are in the early stages of considering purchasing a camper van. We are avid hikers and after decades of frugal living and tent camping, are ready for an...
View ArticleInvesting - Theory, News & General • Re: At what level of investible...
I've been invested in real estate for 29 years. If I could do it all over again, I would pass on real estate investment and just stick with index mutual funds. I would have come out further ahead and...
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