Non-US Investing • Accumulating or distributing ETFs?
Your withdrawal strategy strikes me as easier to implement with an accumulating ETF. Otherwise, you may withdraw more in the first year (dividends + fund_value/25) and have less in the last year. If...
View ArticleInvesting - Theory, News & General • S&P 500 Ponzi Scheme
If you're convinced by this drivel, liquidate your entire portfolio and go all in on crypto. Post back with your results in a year or two.Statistics: Posted by veggivet — Thu Feb 15, 2024 3:33 am —...
View ArticlePersonal Consumer Issues • What do you eat?
We don't eat anything with a face or a mother. Everything else is fair game...Current agricultural practices are not sustainable. Enjoy your rotting dead flesh while you can.my daughter is a vegan but...
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
Updated for 2022 and 2023. Ages 49/49. College fund around $380k and kiddo heading somewhere in the fall (four early action admits and one deferral so far).Year Net Worth % Change1997 356,287.66The...
View ArticlePersonal Investments • TIAA Traditional: SECURE 2.0 makes annuitization even...
With TIAA, the obvious place to provide the FMV of annuitized contracts would be in the letter that they send out to notify customers of their RMD requirement, which was previously based in the...
View ArticlePersonal Finance (Not Investing) • H&R Block 2023 incorrectly reporting...
HR Block update available today, a day early.The inherited IRA from non-spouse bug is now fixed so e-file is permitted. I am finding other bugs that weren't there before so they fixed one thing and...
View ArticlePersonal Investments • Is it Too Late to Invest in VTI?
Suggest you get started here: https://www.bogleheads.org/wiki/Getting_startedNobody knows if you'll ever be able to buy VTI for a lower price than now, or if so when. Market timing doesn't...
View ArticleNon-US Investing • US shares trading on European exchanges
To answer my own question: the ISIN of these shares starts with US, therefore it stands to reason that they are US situs assets.Symmetrically, American Depositary Receipts (ADRs) traded on the NYSE...
View ArticlePersonal Investments • Can you spare a dime for my Roth conversion spreadsheet?
Did you consider the impact on your Medicare premiums? Are you spending from pretax currently?Statistics: Posted by Wiggums — Fri Feb 16, 2024 3:00 am — Replies 7 — Views 838
View ArticlePersonal Investments • Vanguard Wellesley
Obviously the answer is it depends.If you want a fund that’s 35% stock/65% bonds then Wellesley is a fine choice, hopefully you’re able to get admiral shares price at the lower er .16bp. I’ve owned it...
View ArticlePersonal Consumer Issues • Thoughts on buying cheap, used,...
If you look at battery capacity and life, then a 2024 EV is on a different level than a 2014 one. It is impressive how batteries get denser, and cheaper. A 2011 Leaf has a range of what, 80-90 miles?...
View ArticlePersonal Consumer Issues • Small sedan + dog + baby in NYC
Board the dog seems like the obvious answerLugging around car seats and installing them in different cars constantly sounds like a nightmareStatistics: Posted by ScubaHogg — Fri Feb 16, 2024 3:43 am —...
View ArticlePersonal Finance (Not Investing) • Treasury brought in etrade
I brought some 6 months treasury on etrade which has matured. The maturity is captured as short term capital gain and I want to know from a tax perspective would it be treated as cap gains and do I...
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Investing - Theory, News & General • Caz Investments via Tony Robbins
A hint to get you started:This chart actually shows an advantage for private equity over publicly traded stocks, but the advantage is misleading. The returns of the two lines are similar, but the...
View ArticlePersonal Consumer Issues • Flaunt Your High-Mileage Car
Hit 287K on 2008 Chrysler Town and Country minivan with “lifetime warranty.” It’s still useful.Statistics: Posted by GoldenFinch — Fri Feb 16, 2024 3:58 am — Replies 913 — Views 142744
View ArticlePersonal Finance (Not Investing) • Re-evaluating current VUL and whole Life...
Both my husband and I have purchased permanent life insurance each 750K years ago and now I am reassessing our insurance need since it's costing us roughly 10K a year with payments going into...
View ArticlePersonal Consumer Issues • Job title for PhD Economist Daughter
She is a Phd. The simple title of Doctor is always appropriate.Statistics: Posted by ralph124cf — Fri Feb 16, 2024 4:03 am — Replies 11 — Views 698
View ArticleNon-US Investing • Maintaining US brokerage account
Vanguard definitely has an online W-8BEN feature; I've used it (many, many times!). It's a clunky process, but functional. Its major annoyance is duplication. For example, I have to file four...
View ArticlePersonal Finance (Not Investing) • 1099-DIV Tax Rate question
Here is something that happened to us a few years ago: Going from 12% to 37% marginal rate because of a loss of a tax credit:viewtopic.php?t=295815Also read the entire thread for other...
View ArticlePersonal Consumer Issues • Western Europe Traveling Apps?
I’ve used Trainline to buy and manage train tickets. As I understand it it combines all the different train services onto a single appI’ve used Bolt as an Uber alternative in ParisStatistics: Posted...
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