Personal Investments • Retiring at 77 - Annuity vs. investment income
Half of her portfolio would purchase a SPIA with a payout of about $1400/mo, leaving the other half for an emergency fund and to make up for inflation. I know my parents have appreciated having the...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
I believe I saw that Robinhood charges a $100 fee to move money out of Robinhood. That's not a crazy amount relative to the 3% match. Can that be changed in the future? Can it possibly be a percentage...
View ArticleInvesting - Theory, News & General • Index Investing Basics - Revsited
So, in particular, I have a question about VBTLX, Vanguard's index bond fund. Has it been keeping up with the overall market on bonds? Just from my own observations it seems like it's been under...
View ArticlePersonal Consumer Issues • Realtor representing two firms?
Its been a minute since I really looked in to CA Realtor Licensing...DW was mortgage banker 20 years ago, which required a CA real estate license, and it was hung with a Broker which is why I know any...
View ArticlePersonal Finance (Not Investing) • Social Security Calc Sanity Check
3. Independent of the calculations I made, for married couples, can my wife collect (1) her spousal benefit from my SS account when she is eligible AND (2) her own SS benefit for herself?No, she can...
View ArticlePersonal Consumer Issues • Happy Pi Day! (And what pie?)
Strange but true story...I bought a roll of fencing yesterday which I plan to make round cages with to go around plants in the garden. This morning I used pi to determine how long a piece of fence I...
View ArticlePersonal Finance (Not Investing) • Divorce and co mingling asset question
The brokerage account may have only been in your name, but how were taxes on dividends/capital gains paid on that account? If you filed married filing jointly, that might be a strong rationale to say...
View ArticleInvesting - Theory, News & General • Vanguard Announces CEO Retirement...
Personally I don't care if they changed the ship to something else, but I do care about poor website support or performance and/or higher ERs. Hoping that the new CEO is customer focused.Apparently...
View ArticlePersonal Consumer Issues • Surprise! Wellcare part D free drugs. And I paid...
My annual payment to DiRx went thru Feb 27 I think. $180. (by direct debit from HSA, Fidelity)From then to now I've not ordered new scripts from them or have they delivered any.I thought my simple...
View ArticleInvesting - Theory, News & General • Index Investing Basics - Revisited
If you start reading about market predictions and adjusting your portfolio based on them, then have then become an active not a passive investor. No one knows what is going to happen.I would say if...
View ArticlePersonal Finance (Not Investing) • How Much Cash Do You Keep In Your Home?
How are you buying anything in a power outage?The cash registers won't work.And what did we do before cash registers.I have literally lived for multiple weeks with no line power multiple times. Guess...
View ArticlePersonal Finance (Not Investing) • Transfer In-Kind actual experience question
How long did it take:Transfer brokerage account In-Kind from Wells Fargo Advisors managed account to VanguardandTransfer brokerage account In-Kind from Wells Fargo Advisors managed account to...
View ArticleInvesting - Theory, News & General • Calculating Time to $1MM and each $100k
This type of thread needs a warning label.Man Plans, and God Laughs.Flexibility is key.Playing with compound interest calculators is fun, but the stock market doesn't provide returns like this....
View ArticlePersonal Consumer Issues • Election spam texts
"Do you get election spam texts?"Yes, and they are ALL for some guy named James.I'm not-James.Statistics: Posted by andypanda — Thu Mar 14, 2024 11:31 am — Replies 20 — Views 1289
View ArticlePersonal Consumer Issues • 2022 Ford Maverick Megathread...;-)
I'll say that this will be a replacement for my wife's 2004 Mazda 3,If it is running OK now the Mazda 3 will likely sell for a non-trivial amount now.If you wait to replace it for six months or a year...
View ArticleInvesting - Theory, News & General • Trading Treasuries (nominal and TIPS)
Worth it to open an account at Schwab vs Fidelity for TIPS?It seems they have best prices for smaller quantities Id be buying but not sure if additional account/complexity worth it. Thought id get...
View ArticlePersonal Finance (Not Investing) • Dad's 60-day IRA Rollover plan hit a snag
You appear to be correct that he cannot do an indirect rollover to a traditional IRA of both distributions.Yes to the RMD question.Yes he can convert the $80k to Roth via indirect rollover/conversion....
View ArticlePersonal Finance (Not Investing) • Charles Schwab cannot overnight a...
5 minutes? So they dropped the CC from a helicopter into your garden?Apple Pay probably. I have multiple cards on mine so rapid regeneration of a card number isn't an issue. One card is rarely used so...
View ArticlePersonal Consumer Issues • Suggestions for mobile phone plans for a high...
For our daughter, we have Tello, she uses Google Voice for calls and it is $6.00 per month for 2GB of data. She knows that watching videos, listening to music on data will burn up her allotment, in...
View ArticleInvesting - Theory, News & General • Model and spreadsheet for asset...
I agree with 'portfolio as a whole' thinking, but there's no mental shortcuts in play; the math is meaningless to the typical investor and I challenge someone to come forward with a live case history...
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