Investing - Theory, News & General • Re: Inherited IRA rules in 2025
1 - As of today it is definite. But nobody can predict the future.2 - Here is a good explanation of how to calculate the RMD.https://irahelp.com/slottreport/how-are ... alculated/I did this and...
View ArticlePersonal Consumer Issues • Re: The cost of car ownership
Cars are pretty cheap unless you're dumb enough to get a loan.I drive a sports car, commonly thought to be expensive.In reality depreciation is around $3.5k a year, insurance $1k a year, registration...
View ArticlePersonal Finance (Not Investing) • Re: Anyone retired early?
12 years ago at age 53Excellent decision and outcome for usOP. What is your status and current thinking on your potential retirement?I originally would have ideally liked to try to retire early, but...
View ArticlePersonal Finance (Not Investing) • Re: Cost basis info transferring ESPP...
I had shares from a former employer that went through ComputerShare as part of an NUA transaction. No cost basis came through at all, so the shares in my ultimate brokerage are non covered. You need...
View ArticlePersonal Consumer Issues • Re: Learning Violin as an adult? Bella Ciao
Nearly 8 years to the day from my original post and I’m performing in public for the first time tonight with a community orchestra. Nice.What a success story!! Good luck.Statistics: Posted by...
View ArticlePersonal Investments • Re: Did My Fidelity Rep Fire Me?
I'm getting the impression trying to figure this out is like trying to figure out who gets free TT.We are index/DIY Fido customers, have been for 12 years. We still have our "Fidelity Private Client...
View ArticlePersonal Finance (Not Investing) • Re: Federal Retiree Health Care with/Medicare
Another crazy thought, maybe someone can correct me, if I am wrong. Once I begin Medicare, it's stated that I will get Part A benefits for "free"....they're not free if I've worked and paid for them...
View ArticlePersonal Finance (Not Investing) • Re: I feel like I should try to fill the...
Unlike the IRMAA cliff, where going into the next bracket makes a huge difference, the transition from 22% to 24% is incremental. It’s only 2% on the overage.Your decision to create additional income...
View ArticlePersonal Consumer Issues • Re: Oil Furnace Service Contracts
...What I do is pay a HVAC company that does not sell oil for a tune up and then buy oil from the lowest cost provider. Most contracts dont include labor which is usually 80% of any repair costs so I...
View ArticleInvesting - Theory, News & General • Re: Why 100% stocks if the SWR is...
A small reduction in SWR might be meaningful for the retiree that is afraid of running out of money, but irrelevant to folks that have more than enough saved. The well heeled are then free to chase...
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Personal Finance (Not Investing) • Re: Withholding to date on SS payments?
I'm helping someone who isn't the greatest at tax matters like how much of ANY withholding they've done in 2024, or avoiding under-payment penalties I know I can find their RMD data in Schwab easily...
View ArticlePersonal Investments • Re: Allocation of Cash Strategy
1) You can buy a 4-week T-bill at auction on December 10th, which will mature just before the deadline of January 15th for estimated taxes. The latest 4-week T-bill auction had 4.63% yield, and you...
View ArticlePersonal Finance (Not Investing) • Re: Might be getting fired, what do do...
OP,Why is it in your best interest to work this hard and get fired in a few weeks? The most logical answer is to work only 40 hours per week and drag this out as long as possible. And, use the period...
View ArticlePersonal Consumer Issues • Re: Best way to do web domain and website for...
There are many of these companies. Generally speaking, you could do everything at one place. Namecheap is good too.https://www.namecheap.com/hosting/Statistics: Posted by mrmass — Sat Dec 07, 2024...
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Personal Investments • Re: 2024 Small cap taxable small $ account - VBR/AVUV?
Thank you, do you think that the SP500/SMALL cap is a good agreed upon pair among professionals to cruise on and forget? Say, 80/20? When I get my income higher, I can diversify more but I don't think...
View ArticlePersonal Consumer Issues • Re: At What Age Did You Become Less Physically...
At 69 I first acknowledged my decline. Running had dropped from 6-8 miles nearly every day to 4-5 miles most days, as my body recovered less quickly. My immune system was allowing more actinic...
View ArticlePersonal Consumer Issues • Re: What are you listening to now
I have always thought of John Prine as a folk singer with a quirky sense of humor. However I have since done a deep dive and can appreciate why his fans are so passionate. Having built up my Prine...
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Investing - Theory, News & General • Re: Total Portfolio Allocation and...
No, it isn't irrelevant. We are in a thread about a mathematical model. If Ben changed TIPS from being assumed risk-free zero-volatility of spending and instead reflected, as a starting point, the...
View ArticleInvesting - Theory, News & General • Re: Shiller PE now near 39 - 2nd...
CAPE now near 39, which is the 2nd highest ever exceeded only in the dotcom bust of 1999. I have edited the thread title accordingly. Fasten your seat belts passengers -- we may be encountering some...
View ArticlePersonal Finance (Not Investing) • Advice requested - retirement account...
With the end of year approaching, I'm mulling over a couple options and was hoping I might get some advice. BackgroundEarly 50s. My spouse and I each have a rollover tIRA from a former employer - both...
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