Personal Finance (Not Investing) • Recast Mortgage?
Assuming you have 15 1/2 years left on mortgage, your payment would be $1,800 less per year, you could have earned $800/year interest had you kept the $20k. So the net savings is $1000/year. Would you...
View ArticleInvesting - Theory, News & General • What are you up YTD? [Year To Date]
For 2024, my 401K was 55%/45%, and saw an 11.29% gain.Statistics: Posted by Ready3Retire — Wed Jan 01, 2025 2:35 pm — Replies 5493 — Views 1008414
View ArticlePersonal Finance (Not Investing) • RMD breaking a bond
No what I am saying is they split the bonds.So if I have an Agency Bond 40,000 and my RMD is say 18,000, to keep it simple, they will transfer 18,000 of the bond to my taxable and leave me with a...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
December was quite a haircut.For 80% of my holdings. My YTD return got cut in half in the last month. It can happen fast.Statistics: Posted by Beensabu — Wed Jan 01, 2025 2:35 pm — Replies 8002 —...
View ArticlePersonal Investments • Limit on conversion from tIRA to Roth IRA per year
There are no limits on how much you can convert from tIRA to Roth in any year. A standard Roth Conversion existed before the concept of a Backdoor Roth existed. No need to overthink this by comparing...
View ArticlePersonal Consumer Issues • Have any of you purchased one of those desk...
I bought this one last year and it's been good so far. I still find it hard to walk while doing certain work but find that as long as I walk slowly I can do most things....
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
Has anyone here explored dynamic leverage ratio determination? Not sure if there's a better term for it. Basically the idea is adjust leverage based on expected returns for stocks/treasuries. I...
View ArticlePersonal Investments • Rollover IRA vs. Traditional IRA (401k rollover)
Knowing that this is a rule that was more strictly applied in the past and has been relaxed more recently makes sense to me.To go a little further on this, at one time the 401k and similar plans could...
View ArticlePersonal Finance (Not Investing) • Is $4M enough?, age:40, valedictorian to...
...things can change. In fact they can change overnight...Thanks, yes, that was what I thinking about the OP's situation too; if his current feelings about his skills didn't start until six months...
View ArticlePersonal Finance (Not Investing) • Prepare for Parent Illness and Death
I’m sorry you have to go through this. Most of us go through this eventually, but I’m sorry it’s now.Anyway…Get a copy of the trust documents. Understand what your rights and responsibilities are as...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
FYILast year we moved all our accounts from Vanguard to Fidelity. Yesterday, I tried to start the backdoor Roth process for my DW. She had given me limited account authorization. I could not make the...
View ArticleInvesting - Theory, News & General • Why do we need to diversify our bonds?
If you are only using treasury bonds, why would you need to worry about anything? Is there any reason to diversify into UK or German bonds? Is there any reason to diversify into corporate bonds or...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
It is my roth ira. Those funds are "locked up" anyway since i have no plans to access them anyway.I am tempted to do it since i have gold now for a different promotion.My hesitation is that robinhood...
View ArticlePersonal Investments • Found 3 cents in hidden Roth settlement account from 2023
While on a call with a representative on another matter I discovered that they do have the power to make the purchases for an amount less than $1.00.Thanks for that info. Now I just have to dig up...
View ArticleInvesting - Theory, News & General • Backdoor Roth 2025
I just moved funds from my brokerage settlement account to my TIRA account today. My understanding is the trade will not settle until 4:00pm. I did notice right away the Vanguard app stated that I had...
View ArticleInvesting - Theory, News & General • What if a fund group failed
Maybe to illustrate the contra-point, read When Genius Failed: The Rise and Fall of Long-Term Capital Management by Roger Lowenstein. It is about the relative quick blow up of the LTCM hedge fund....
View ArticlePersonal Finance (Not Investing) • Points and miles credit cards: useful long...
To get a lot of value out of these cards you need to:1) travel a lot and spend a lot 2) be willing to hunt for deals to spend the points on3) be the type of person who would buy things the card offers...
View ArticlePersonal Finance (Not Investing) • Life Expectancy - How did you establish it...
I use the late 90's for me and my DW. Her mom and grandmother both lived into their late 90's. I don't think I will be as lucky, but you never know. The main reason I use that age number is if I can...
View ArticlePersonal Investments • Sector Fund Opinion
I'm not a fan of sector funds. I do tilt to Small Cap Value - less than I did as accumulator but still significant weight. IMO, small slices are mostly a nuisance. My threshold is 20% - arbitrary but...
View ArticlePersonal Consumer Issues • Easing off the Gas?
It is always good to have a reasonably priced reliable car that has a good resale value (toyotas, hondas, etc, but not limited to those).Whether or not you can take your foot off the gas depends on...
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