Personal Finance (Not Investing) • TWO password managers - one for security...
One thing you can do to improve the security of SMS message authentication is configure your phone to not display text messages on the lock screen. I realized this about a year ago that the six digit...
View ArticlePersonal Finance (Not Investing) • FL Property Tax Question
You will lose you homestead exemption if you don't live in the house. Therefore your taxes will be adjusted accordingly. This is all explained at the "Property Appraisers' web site for you...
View ArticleInvesting - Theory, News & General • 5% portfolio withdrawal rate: 5+...
5% of current portfolio is actually pretty conservative, much more conservative than 4% of initial portfolio value adjusted for inflation. I think the last time I looked at a fixed % withdrawal plan,...
View ArticleInvesting - Theory, News & General • Best one fund for a person who is 80
... roughly 30% stock (Life Strategy Income) ...LifeStrategy Income is 20/80. For 30/70, there's Vanguard VTINX, iShares AOK, and probably others.Statistics: Posted by HanSolo — Sun May 05, 2024 10:06...
View ArticlePersonal Finance (Not Investing) • MAGI Calculation for NIIT
This Wiki page has links to many different MAGI calculations.https://www.bogleheads.org/wiki/Modifie ... oss_IncomeStatistics: Posted by retiredjg — Sun May 05, 2024 10:10 am — Replies 2 — Views 98
View ArticlePersonal Finance (Not Investing) • What am I failing to consider on drawing...
I started social security at 65 & DW began hers at 62. No regrets on this end for doing so.Statistics: Posted by bradinsky — Sun May 05, 2024 10:10 am — Replies 38 — Views 2855
View ArticlePersonal Consumer Issues • Dealing with being disturbed by someone else's dog
Good luck with this.Recently we had two dogs next door, pit bulls, who kept getting out of the yard.Basically the owner had moved out of the house leaving the dogs behind with back door open so they...
View ArticleInvesting - Theory, News & General • Trading Treasuries (nominal and TIPS)
Could someone give simple instructions on how to participate in a 30year bond auction at Schwab using the auction example:Auction Date May 09, 2024Original Issue Date May 15, 2024You can go to "trade"...
View ArticlePersonal Investments • Symantec with both Fidelity and Etrade
I'm wondering if it is possible or secure to use Symantec VIP for both Fidelity and Etrade?I don’t use the Symantec app. Instead, I generate my own tokenhttps://gist.github.com/jarbro/ca7c9d3e ......
View ArticlePersonal Investments • $100k Net Worth at 25: A Teacher's Investment Journey
Since you said you were interested in starting a family, I’d prioritize dating success. While you don’t want to attract a gold digger (maybe less likely to happen with your job), I’d consider if you...
View ArticlePersonal Consumer Issues • What are you listening to now
"Up Where We Belong" sung by Joe Cocker & Jennifer WarnesStatistics: Posted by CoAndy — Sun May 05, 2024 10:15 am — Replies 6025 — Views 673799
View ArticlePersonal Investments • Worried about vanguard
I use both Vanguard and Fidelity equally. I am closing my unsued Vanguard accounts.Vanguard is owned by fund shareholders which I think this is a good thing. Fidelity is primarily owned by Abigail...
View ArticlePersonal Finance (Not Investing) • Buying land and building a house
It sounds appealing, but I think you are putting the cart a bit before the horse by saying you hope you can build what you want for $500k all-in. $500k goes pretty quick, especially if you our...
View ArticlePersonal Investments • Lump Sum or DCA a large windfall
Are you currently maxing out your tax sheltered savings options? If not, I would hold back living expenses and start maxing those contributions.If you are already taking full advantage of tax...
View ArticlePersonal Investments • Rationale Behind "Too Many ETFs"
I would sell anything with losses or minimal gains and dump it in VTI.As others have said, whole market indexes keep one from performance chasing which truly is a recipe for underperformance. Or as...
View ArticlePersonal Finance (Not Investing) • 1099 income/S corp guidance/resources
Re: S CorpI don't think anyone has mentioned the 20% QBI deduction of the K1/ Box 1 Income that flows to your personal 1040. Ie... If your S corp income in Box 1 is $100,000, you are only taxed on...
View ArticlePersonal Finance (Not Investing) • Unusual circumstances for IRMAA appeal?
Am I understanding this correctly? Do I have a case? Any ideas about how I can I pursue this?Thanks.I'm not sure about the wording but nobody needs IRMAA relief for a year with lower income. The...
View ArticlePersonal Investments • Bonds for Emergency Fund in Taxable. Suboptimal?
I probably would not worry about an emergency fund in taxable. But if the taxable account is large enough, you can use the link posted above to avoid it.Statistics: Posted by retiredjg — Sun May 05,...
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Investing - Theory, News & General • Vanguard Cash Plus Account
However now I just realized I may be confusing this 7-day rule (screenshot above) against a 7-10 day waiting period for new transfers from newly connected external bank accounts (screenshot below)...
View ArticleInvesting - Theory, News & General • USA Today: Annuities are key to...
To take the comparisons above a step further, let us include the LifeX TIPS Mutual Funds (which include CPI inflation adjustments and longevity pooling after Age 80). The ideal time to buy such a...
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