Personal Finance (Not Investing) • Re: Companies that have a pension and 401k?
In addition the feddies give you 5% matching in their 401k equivalent called the Thrift Savings Plan, which has orders of magnitude lower expense ratio than anything else in the world.I've highlighted...
View ArticlePersonal Investments • Re: Breaking up with my financial advisor pep talk
It's a business decision. If you feel any guilt then I wouldn't call him at all. Just initiate the transfer from the Schwab end. If he calls you, just tell him you want to manage things yourself....
View ArticlePersonal Finance (Not Investing) • Re: Extra payment to prinicipal or...
We know what to do going forward. We want to correct what went wrong.If I want to pay off this loan tomorrow, I want the correct balance due.Your suggestion does not address that.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Re: When and how much house exterior to repaint
Well, the first quote is in. $18,850. Ouch. I guess that's not all that out of line, considering the last house I had painted was my mom's much smaller house in a LCOL area, which came in at around...
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Personal Investments • Re: Just invested at all time market high
We started investing in 1986. Since that time, the S&P500 Index has reached a total of 143 all-time-highs (as of yesterday, September 30, 2024).Invest for the long term, whenever you have money to...
View ArticlePersonal Investments • Re: TIAA Funds
I have TIAA Traditional, but I hold it in place of bonds and not equities. It makes up roughly 25% of my 403B with the other 75% split between domestic and foreign equities. It can be annuitized or...
View ArticlePersonal Consumer Issues • Re: Solar in MA - realistic coverage expectations?
Correct - it can be used against future electricity use, but will not be refunded.I don't mind generating excess now since at some point we are going to get an electric vehicle and a heat pump, so...
View ArticlePersonal Finance (Not Investing) • Re: Depositing a check by mail: How to...
What am I supposed to do when I receive a check in the mail that is payable to my name? It must get processed through some kind of a bank, which is most likely a bank where I have an account and can...
View ArticlePersonal Consumer Issues • Re: Southwest airlines (2024) Get Away Plus fare...
Southwest has all the rules and procedures: https://www.southwest.com/airfare-types ... away-plus/I had read that, but for example:For same-day changes, on your day of travel, if there's an open seat...
View ArticlePersonal Finance (Not Investing) • Re: Recommended software to clone a...
DISM is built-in to all recent Windows versions and can do this. However, cloning a Windows install is a terrible idea unless you really know what you are doing.This is Windows 10 professional. Found...
View ArticlePersonal Finance (Not Investing) • Re: [Split from "Fidelity as a one...
So, at this contentious moment in time, what’s the best bet for depositing a large certified check? I’m receiving a check tomorrow for proceeds from a house sale. It was arranged by siblings and I did...
View ArticleInvesting - Theory, News & General • Re: Does anyone on this forum feel...
I’m trying to confirm; in a US treasury default, hypothetically (since we’ve never seen this,) the holdings in an international bond fund would still be there. Is this correct?Yeah, unless other...
View ArticlePersonal Investments • Re: Questions on Mega Backdoor Roth
I suspect #1 is the best strategy to reduce tax consequences of the built up after-tax contributions but would love any input from this group. I suppose the advantage of #2 is creating a 'cleaner' tax...
View ArticleInvesting - Theory, News & General • Re: Not understanding this FIRE...
lots of little things can add up to some mild annoyance. This example helped. Meaning even if they agree with the plan “on paper” - the reality can be quite different which ties down to later comment...
View ArticlePersonal Finance (Not Investing) • Re: CA Sent me Tax Bill on House Sold 2...
Having owned several properties in Ca, including having closed on one this summer.... A buyer is clearly warned that property values and taxes are reassessed on sale, and it may be some time before...
View ArticlePersonal Investments • Re: Request for guidance with retirement on the horizon
For what it's worth, the images that Bogleheads forum users embedded in the thread are not visible to me independent of the browser I use. I'm not sure why that is the case. I am very visual, so those...
View ArticleInvesting - Theory, News & General • Re: New Burton Malkiel Portfolio:...
The dividend stocks also being US makes it 52% US 28% international for stocks, so it’s 65% US. You should update the title of the thread to prevent lots of comments being about this. Perhaps “ New...
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Personal Investments • Re: Financial Advisor Experiences
Hi all, I'm working with a Financial advisor to develop a long term plan for retirement. I'm 58 and plan to retire next year. That work they've done has been helpful, showing cash flow per year and...
View ArticlePersonal Finance (Not Investing) • Re: Backdoor Roth IRA + possible Inherited...
Inherited IRAs do not affected traditional IRA conversions and doesn't factor into the prorata calculation. If you use a CPA, make sure that you double check the 8608 form next year to make sure it...
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Investing - Theory, News & General • Re: Looking back at your asset...
I'm content. Most of the hedging / diversification didn't turn out to be needed much in this reality, but there's probably an alternate reality where it saved my bacon . If I had known the optimal AA...
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