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US Chapters • Re: Roll Call for the Retirement Class of 2024!
Last day is 2/16/2024 at 45Officially, I am resigning to take a 6 month sabbatical. In reality, I am considering the option to retire depending on how it goes. I see it as a test drive before I join...
View ArticlePersonal Finance (Not Investing) • Re: Bonds vs Bond Funds - what’s best for me?
I would simply keep investing as you do now with your current asset allocation, assuming you have a classic 3 or 4 fund portfolio. Raise your bond percentage if you won't have enough to feel like you...
View ArticlePersonal Investments • Re: Why Do I Want Vanguard Admiral Funds? - VOO vs VFIAX
Once upon a time there were mutual funds.* They were and are special products that are transacted in a different way from stocks. The first index fund was the fund now named the Vanguard 500 Index...
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Investing - Theory, News & General • Re: Past Performance as predictor of...
There appears to be a general consensus from research that picking stocks based on past performance is not recommended. Since most everyone has funds, even those who include individual stocks as a...
View ArticlePersonal Investments • Re: 5 year treasury ladder, how’d you do?
I purchased a 15 year * 12 month Treasury Strip (Zero Coupon) Ladder (all mature in Nov of the year) in Oct 2023. Yield To Maturities (I skipped typing in years between 5-10 and 10-15):Year 1;...
View ArticlePersonal Consumer Issues • Re: First car for a new driver
Initially, our eldest shared for quite a while. Kept the insurance lower, and frankly, didn't need to drive all the time (on their own - the reality is that having passengers carried more...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
I am by no means completely sold on the 50:50 VOO:VT portfolio and am looking for feedback. I do think it's materially different enough (80% US total market on US side vs 100%, 50% of global market...
View ArticlePersonal Investments • Re: T-Bill or not to T-Bill
Don't all money market funds have early sale penalties (loss of interest) , even a Treasury Money Market?If T-Bills pay 4.5% in March 2025, wouldn't that recoomend a 6 month not a 3 month T-Bill?Thank...
View ArticlePersonal Finance (Not Investing) • Re: Should you retire early? A few notes,...
I have to admit, I was darn happy living in a house with my friends in college partying all the time. Life was good and easy. But there is no way I can do that today with a family. Nor do I want to. I...
View ArticlePersonal Finance (Not Investing) • Re: Financed car broken... Options?
I'm currently in a dilemma. I bought a (14' Ford Taurus) last year that broke down a few months ago due to water pump failure. I originally paid for warranty at signing however it was cancelled as it...
View ArticlePersonal Consumer Issues • Re: What Movie Have You Recently Watched?
I just cannot stand the violence, etc., of so many current "offerings".RMI figure it was the death of the studio system, which was killed in the Paramount decision of 1948, but which took another 20...
View ArticleInvesting - Theory, News & General • Re: What Site Do You Use For...
Compare Products - Vanguard Advisors However, only can compare up to five mutual funds/ETFs at a time.RMStatistics: Posted by Random Musings — Thu Sep 12, 2024 9:51 pm
View ArticlePersonal Consumer Issues • Re: Are these Mini-PCs any good? If you have one,...
For your uses, consider an off-lease Lenovo ThinkCentre Tiny, Dell OptiPlex Micro, or the HP ProDesk/EliteDesk Mini. They are cheap ($100-200 gets you a very usable one), last forever, easy to...
View ArticlePersonal Finance (Not Investing) • Re: New Wells Fargo One Key mastercard offer
Yes, I see now. Thanks very much. My wife and I started using this card recently, as opposed to our 2% cash-back-on-everything card, not only because we get 3% on some things, but because the...
View ArticlePersonal Investments • Re: Portfolio Review - Helping Mom (61) after Dad (60)...
she will be starting social security in January 2025 with a plan to retire by May 2025 before she hits the earned income limit for SS.Earnings in the year you start SocSec benefits, prior to your...
View ArticlePersonal Finance (Not Investing) • Re: Savings Account, Money Market, &...
Curious about how you are retrieving Bank rates, the tool I produced already addresses MM and T-bills.Don't know if you have seen: MM Optimizerhttps://moneymarket.fun could be a good source for you to...
View ArticlePersonal Finance (Not Investing) • Re: Do LLC Expenses Reduce Our Overall AGI?
Tractor depreciation will be spread over many years. Business income or loss flows through to personal tax return. LLC is a flow-through entity. LLC files an information tax return, but there is no...
View ArticleInvesting - Theory, News & General • Re: The New 60/40
Because the bond bull market for the last 40 years has ended.It seems to me that we disagree on this basic premise. Why do you think bonds are a bad deal right now? As others have pointed out, bonds...
View ArticlePersonal Consumer Issues • Re: Please Help me find my ideal town in the...
Why PNW? What attracted you?For newer housing, you want areas that are booming. Bend comes to mind as do some of the Seattle suburbs. Both places would access to good healthcare.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Re: Anyone take a long work hiatus?
I took 15 years off from practicing law to raise our children, support wife's career, and rehab/reconstruct our houses. I did, however, teach law half-time for all but two of the hiatus years. To top...
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