Personal Finance (Not Investing) • Did anyone here retire in 2007?
You are 100% money market? Have you always been 100% cash? If so, you probably are not going to be comfortable at 60/40. You will bail at the worst possible moment. What do the models say when you run...
View ArticlePersonal Investments • Are we done saving for college?
If you can engineer your income to be $64k two years before applying then the FAFSA will skip all asset questions and you will qualify for full need based aid at the schools that only use FAFSA.I know...
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
Mathew, curious why the "Decrease Risk Tolerance With Age" settings don't allow negative as well as positive values?Isn't it accepted that while the general consensus is that risk tolerance decreases...
View ArticlePersonal Investments • Portfolio Plans for Early Career "Sabbatical"
Sounds like fun! Way back when, I considered doing the JET program -- this seems like something similar. Enjoy your adventure. 1. What should my asset allocation be for my taxable accounts,...
View ArticlePersonal Consumer Issues • Dr.Peter Atia's book...Outlive
... snip ...Also surprised that walking with weight qualifies as "zone 2," which per the summary I read means you can carry on a conversation but only with difficulty. I briskly walk my dogs while...
View ArticlePersonal Finance (Not Investing) • ACA, poverty levels, Roth conversion for MAGI
I fall into the category you describe, but have never been told I can't go on ACA. ACA is based on annual ACA MAGI, not some kind of "regular monthly income" as far as I know. Don't see anything on...
View ArticlePersonal Investments • Bonds in Roth IRA in early retirement
Thanks allStatistics: Posted by ZachFinch76 — Wed Jul 17, 2024 12:31 pm — Replies 12 — Views 343
View ArticlePersonal Investments • Helping my mom with finances
I hope that debt wasn't low interest that you paid off.I think they were all at least 6%. As I mentioned, the HELOC was 7-9% (it was at 9% when I paid it off).Why get rid of the rental? If it's cash...
View ArticlePersonal Investments • Fixed income/cash in taxable
Does it have to be in taxable? Say you have $1M taxable and $1M tiara.You could invest in SGOV or similar in the IRA and have it tax deferred.If you ever need cash, say $45,000 for a new car, sell...
View ArticlePersonal Investments • Financial Advisor at JPM: Get into bank preferreds at...
I invested heavily in individual preferreds during the lost decade. They’re not a buy and forget. And you really want buy at par or below and know the first call date. With rates going down, I’d...
View ArticlePersonal Finance (Not Investing) • Understanding Inherited IRA with delayed RMDs
The WSJ is now reporting that the IRS has issued definitive guidelines regarding non-spouse inherited IRAs: for those accounts 2020 and newer, they will have to be emptied out by Year 10, and RMDs...
View ArticlePersonal Finance (Not Investing) • Paid taxes (for years) on full USPS...
I just found my mother's 2014 tax return, with the completed Simplified Method Worksheet, and so I just learned my error. So what now?If the tax benefit is worth the hassle, you should first decide if...
View ArticlePersonal Finance (Not Investing) • Attorney recommendations in San Diego for...
We don’t have anything complicated but we have children and we’re long overdue to create wills and a trust, IMO. I’d appreciate recommendations for someone in the San Diego area you would trust with...
View ArticlePersonal Finance (Not Investing) • Bad financial advisor
I doubt you have much of a case. You likely signed forms acknowledging control and fees.Statistics: Posted by Rex66 — Thu Jul 18, 2024 12:49 pm — Replies 9 — Views 765
View ArticlePersonal Finance (Not Investing) • Laid off notice, specific questions and...
1. COBRA: Ugh. While the employer notified the COBRA administrator very promptly and I paid the first premium within 5 days of termination, the slow process of clearing even an ACH payment and...
View ArticleInvesting - Theory, News & General • Vanguard Client Level at $25 million
Here is the link to the article about the Vanguard Ultra-High net worth advisor who was poaching $25 million dollar clients. He feathered his nest by using his expense account to visit numerous...
View ArticlePersonal Consumer Issues • What video games are you currently playing?
Early on in this thread we had a few phone or laptop games mentioned. I gave up my NES and Xbox several years ago. At that time I was also playing desktop games. The names escape me!Now I play laptop...
View ArticlePersonal Finance (Not Investing) • Advice liquidating parents investment account
I want to acquire their basis and be responsible for the capital gains. Is this something that can be easily transferred over to me/sibling (or either person)?There will be some math involved in...
View ArticlePersonal Investments • Newly Retired - Nervous Now
Total spending will be $120k per year first 5 years. SS will reduce that by $70k per year. If I understand the models I've used (New Retirement and Portfolio Analyzer) I could afford to spend $15k a...
View ArticlePersonal Consumer Issues • Any tricks and tips for buying used stuff
Also, when buying on facebook, make sure one’s public profile shows some info (at least location).Whole point of facebook marketplace is that there is less anonymity and a bit more info about the...
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