Personal Finance (Not Investing) • Shift from tax-deferred to taxable to...
Pension starting @ 62 (non-COLA)- ~$100k/yearBe sure about all the details of this and that you know what it will be worth after adjusting for inflation. For example if you retire at 50 in 2031 and...
View ArticlePersonal Finance (Not Investing) • Mortgage Payment Grace Period
OP, what you described is how ThirdFederal works for mortgage payments. For me, the main advantage is that my mortgage is set to autopay and a portion of a paycheck is deposited into the ThirdFederal...
View ArticlePersonal Consumer Issues • new portable generator vs the one in the van
I would first determine what the wattage of the concentrator is. Start by looking at the label on the device to see if the wattage is listed. If so, it's probably the max wattage and the device might...
View ArticlePersonal Finance (Not Investing) • 2025 FEHB and PSHB Rates Posted
UHC has interesting language on that issue. "Flexibility to see any provider—in-network or out-of-network—at the same cost share, as long as they accept Medicare and are willing to bill...
View ArticlePersonal Finance (Not Investing) • Companies that have a pension and 401k?
The State of Utah for state employees offers both a pension and a 401k. My brother-in-law is an IT analyst with the State of Utah and he makes $210k per year, including benefits, according to the...
View ArticleInvesting - Theory, News & General • The One-Fund Portfolio as a default...
Using tax-efficient asset location usually means keeping mostly (or all) stock in the taxable account. Wouldn't switching to an "equal location" (mirrored allocation) setup or a single fund would mean...
View ArticlePersonal Consumer Issues • Solar in MA - realistic coverage expectations?
Correct - it can be used against future electricity use, but will not be refunded.I don't mind generating excess now since at some point we are going to get an electric vehicle and a heat pump, so...
View ArticlePersonal Consumer Issues • Southwest airlines (2024) Get Away Plus fare rules
Southwest has all the rules and procedures: https://www.southwest.com/airfare-types ... away-plus/I had read that, but for example:For same-day changes, on your day of travel, if there's an open seat...
View ArticlePersonal Investments • Questions on Mega Backdoor Roth
I suspect #1 is the best strategy to reduce tax consequences of the built up after-tax contributions but would love any input from this group. I suppose the advantage of #2 is creating a 'cleaner' tax...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
I tried calling Fidelity today about some funds left in a closed account. I have premium services or whatever the higher tier is. I was on hold for 20 minutes before I hung up because no one answered....
View ArticlePersonal Finance (Not Investing) • Depositing a check by mail: How to...
Are you thinking of a risk specifically with the postal service?if it is a substantial amount of money - I wouldn’t mail itI have had several pieces of mail lost over last year or two. Not worried as...
View ArticleInvesting - Theory, News & General • Does anyone on this forum feel...
Vanguard shows the 2022 performance of total us bond (VBTLX) and total international bond (VTABX) to have been basically the same: -13.16% vs -12.92%Yeah, I was looking at the USD Hedged Global Bonds...
View ArticleInvesting - Theory, News & General • Downtown Josh Brown is my guest on...
Best one yet!Statistics: Posted by Ferdinand2014 — Wed Oct 02, 2024 9:06 pm — Replies 7 — Views 787
View ArticleInvesting - Theory, News & General • Great innovations in investment
Since every financial concept introduced in the last 200 years has appeared in this topic as an innovation, I would like to add credit default swaps. This brilliant innovation allowed those of us with...
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Personal Investments • Debt and Savings Strategies for Young Adult
What good fortune to have found this forum at such an early age…fantastic!Some comments:You are young and have many years of investing ahead with time on your side to weather the inevitable ups and...
View ArticlePersonal Investments • Fidelity not allowing Roth conversion citing industry...
I contributed $7000 to my Traditional IRA account last week, and the amount has settled. However, when I attempted to do the conversion to Roth, it says the amount of cash available for withdrawal in...
View ArticlePersonal Investments • Help with RMD Advice for my Dad Please
Hey All,Trying to help my dad out in relation to what he should be doing with him now being required to take an RMD this year. My father does not need the RMD money but since he’s forced to take it...
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
Hello all,Which brokerage do people who do mhfea use.IIUC only 2 or 3 brokers support futures and options on futures in IRABrokers like Robinhood don't support SPX for borrowing in taxable or futures...
View ArticlePersonal Consumer Issues • Recommended software to clone a Windows computer?
DISM is built-in to all recent Windows versions and can do this. However, cloning a Windows install is a terrible idea unless you really know what you are doing.This is Windows 10 professional. Found...
View ArticleInvesting - Theory, News & General • Roth IRA what to invest in and how
I still wonder when it comes to Emergency fund and its core position as SPAXX.Is it possible to run into situation that person saved 20K but due to core position lost money and ends up with much less...
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