↧
Investing - Theory, News & General • The New 60/40
Is a 2 fund 60/40 portfolio too risky for a 75. year old.Statistics: Posted by Tatala — Mon Sep 09, 2024 7:05 pm — Replies 12 — Views 504
View ArticleInvesting - Theory, News & General • Cliff Asness's latest thoughts
And yet over almost 5 years SCV has beaten TSM. This seems forgotten in the death-of-scv postshttps://legacy.portfoliovisualizer.com/ ... jF89HCCemgStatistics: Posted by ScubaHogg — Mon Sep 09, 2024...
View ArticlePersonal Investments • SSN Spousal Benefit Question
Hi, DH’s SSN benefit options are 62- $2705, 67- $3842 or 70 - $4761. He would like to collect $2705 at 62. I’m not sure when to collect; I’m 59 and relatively healthy. What will my spousal benefits at...
View ArticlePersonal Finance (Not Investing) • Post-NAR Settlement Buyer Commission...
4. Keep in mind that the seller has already signed an agreement with his agent. That agreement may provide a higher commission for an unrepresented buyer. Showing up without an agent may not reduce...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
If I bought a three-year MYGA with funds from Fido T-IRA, what would the process be for moving funds back to Fido T-IRA at the end of the three years (assuming I choose not to re-up)?I’ve never done...
View ArticlePersonal Finance (Not Investing) • ancient RLT but no copy found
Earlier you asked, "Is there any quick way to establish that she is the trustee and can transfer the house?" If it turns out that she is the trustee, is she no longer able to do the legal tasks to...
View ArticlePersonal Finance (Not Investing) • Late career nys teacher unique question
Interesting I never thought of that scenario. I wonder how it would work if I resigned at 52 with 30 years ( but didn’t officially retire nystrs) and used my wife’s health insurance which is at the...
View ArticlePersonal Finance (Not Investing) • Hackers leak 2.7 billion data records with...
I would also say to opt out of lexisnexis too, ...Is the opt-out availabe to everyone? Or is it only the freeze that is available to everyone?According to Reddit:"Freezing and opting out of LexisNexis...
View ArticlePersonal Finance (Not Investing) • Social Security: When to Take?
This site may be helpfulhttps://opensocialsecurity.com/I don’t think we can say what to do.Statistics: Posted by JBTX — Tue Sep 10, 2024 7:12 pm — Replies 1 — Views 54
View ArticlePersonal Investments • Retiring in 6 months (off TSLA options); Plan Review;...
OK 7.1 million today. If OP can say to himself “a million here and million there, it is no big deal to me” I think he has the right mindsetPeople who keep on saying “but he had over $10m at one time”...
View ArticlePersonal Consumer Issues • Yet another crawl space humidity question
1) I would expect the moisture content of the joists to be generally consistent with the chart here. Around 20% moisture content, or persistent relative humidity conditions of around 90% would be a...
View ArticlePersonal Finance (Not Investing) • Designating a minor beneficiary at Vanguard
When my siblings and I inherited an IRA (we were all adults), Vanguard required each of us to first have an account with Vanguard. One of my siblings did not, so he first had to open an account (with...
View ArticlePersonal Finance (Not Investing) • When to refinance our mortgage; and how...
Philosophical question for the "no-cost" refi crowd:How do you know it's no cost? I'm not talking about credits and negative points and all that, that's clearly desirable. I'm saying how do you know...
View ArticleInvesting - Theory, News & General • Being hard sold a SPIA. Opinions?
Maybe it is a bait and switch: not SPIA.This would worry me.I'm not sure why any rep would "hard sell" an SPIA, unless there was something riding on it... like a nice commission. And that's very...
View ArticlePersonal Investments • Tax filing Turbotax Stock gain vs loss offeset
Net short-term losses will offset net long-term gains, and vice versa.In essence, the calculation of gains and losses happens before you apply the tax rates to the results. So if you have a net...
View ArticleInvesting - Theory, News & General • 2024 Bogleheads Conference:...
Does anyone know whether they still need any volunteers for the conference? Or who I can contact? I am willing to help.Still very interested in volunteers. Please get in touch with Bogle Center board...
View ArticlePersonal Finance (Not Investing) • Does naming beneficiaries keep assets out...
Yes, but it’s nevertheless generally not a good idea to name beneficiaries for taxable accounts (assets other than life insurance and retirement benefits), for many reasons.Since this topic...
View ArticlePersonal Investments • Married filing jointly- Roth vs Traditional IRA
Thank you, I was planning on using AOTC, but wasn't aware of it phasing out/reducing as per income level.Thank you!Statistics: Posted by StayOnTrack — Wed Sep 11, 2024 7:08 pm — Replies 12 — Views 1021
View Article
Image may be NSFW.
Clik here to view.
Clik here to view.
Investing - Theory, News & General • TIPS [Anyone buying TIPS at 1.6%...
Yes, that is why I am buying them.Back up the truck then! Do be aware though that in times of great economic distress (deflation or high interest rates) they might temporarily lose market value. IOW...
View ArticlePersonal Investments • What percentage of portfolio in Roth versus tax...
In general, the "rule of thumb" is that, in most situations for most people, traditional/tax-deferred is the answer. It's that simple - traditional IRA is better than Roth to the extent that...
View Article
More Pages to Explore .....