Personal Consumer Issues • Re: Train trip thru Alps - Munich to Venice
We have a med cruise out of Venice in a few weeks and are trying to look at options to get there. We will probably fly standby to Munich then train down over about 5-6 days. Potential stops...
View ArticleInvesting - Theory, News & General • Re: I Bonds Mega Thread (I Bond...
With my oldest bond turning 12 months old today, I started the liquidation process of them all. It's only four of them, which means even the oldest is within the 5-year, give up 3 months of interest...
View ArticlePersonal Investments • Re: Is Vanguard PAS worth it or should I use an...
I am 77, have IRA accounts at Vanguard, and taxable brokerage at Fidelity. I am using PlanVision and I think they are good for setting spending limits and staying calm. I have not engaged Vanguard PAS...
View ArticlePersonal Investments • Re: windfall for 74 year old with no retirement
With her house being sold, where will she be living? You mention she will be on her own for a few more years. Will she be paying rent somewhere? If so, won't that have an impact on the monthly...
View ArticlePersonal Finance (Not Investing) • Re: Pesky details of late year Roth...
It sounds like this can get messy. Maybe the easiest way is to check safe harbor and if that doesn’t work wait until 2027 to have my estimated taxes line up cleanly with my conversions?Statistics:...
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Personal Consumer Issues • 2027 medicare part D prescription plans
Hello...today medicare.gov allowed a preview of available 2027 plans including part D plans in my area...to my mild surprise I found that not one part D insurer will cover two fairly expensive,...
View ArticlePersonal Finance (Not Investing) • Re: Seeking Ideas on Finding Elderly...
Where I live there is a home share type service run by a nonprofit that helps connect home owners (often elderly) and renters and as far as I know, does not charge the renters a fee for the...
View ArticlePersonal Investments • Re: TLH eliminate wash sale if recent purchase sold?
I am considering doing the same, and also have a purchase (reinvested dividends) in the bond fund within the last 30 days. Could you clarify - why is it not a wash sale if I sell all shares of the...
View ArticlePersonal Finance (Not Investing) • Maybe....
" Can a person relax if they see the interest and dividends exceeding their projected expenses in retirement"It also depends on what's in "projected expenses". For example if 40% is living expense...
View ArticleInvesting - Theory, News & General • Re: translate buffers and caps
smax paying nicely since interest rates are up again. was 6% earlier in year now paying up to 9.27 with no downside except .50% feehttps://www.ishares.com/us/products/339 ... er-sep-etf??It's not...
View ArticlePersonal Finance (Not Investing) • Re: Can a person relax if they see the...
It they own 10M of total stock market that makes a little over 1% dividend I’d say they would be ok.Edit: I’d take $23M of Nvidia as an alternative, but I don’t know if I could relax.Statistics:...
View ArticlePersonal Finance (Not Investing) • Re: How much should we increase spending?
yeah, this is basically how I operate, but I'd love to be able to be more... mathematical. For example - If my portfolio is DOWN more than 5% from [date] for 6 months I REDUCE my spending to 3 1/2%If...
View ArticlePersonal Investments • Re: Fisher investment
I am a Fisher Investments client...I'm pleased your Fisher (tax-advantage) vs non-Fisher results have been positive. As my Fisher account would have been taxable, I couldn't risk it to a known fee and...
View ArticleInvesting - Theory, News & General • Re: Bond Bear Market?
The real question is:What is a bond bear market?[snip]A bond bear market is defined as an extended period of declining bond prices. It has nothing to do with bond fund returns/growth, which are...
View ArticlePersonal Investments • Re: Please talk me out of overspending on house
In my opinion, views and nature are worth paying up for. Kitchens, not so much.We recently overpaid for a house and don’t regret it. In our case, it won’t delay FI; take a hard look at whether it does...
View ArticlePersonal Finance (Not Investing) • Re: What's Your Credit Card Rewards Strategy?
Quick question!Current Chase Sapphire Preferred card holder with 300k ultimate rewards points.....I typically use points in general for hotels due to lack of knowledge of airline miles plus needing 5...
View ArticlePersonal Consumer Issues • Re: How to Move to Linux
If you plan to use a Linux machine to connect to financial accounts, and need antivirus software to conform to the institution's system use policy, ClamAV is an open source AV solution. I've not used...
View ArticlePersonal Investments • Please talk me out of overspending on house
Hello,I live with my wife and we rent a one bedroom. We have done that for last 5 years. We have weighed the pros and cons of renting/buying and have decided to buy a house. We have one unusual...
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Investing - Theory, News & General • Re: What's up (or down) with TIPS?
And it continues ...Note that nominal int and long yields have increased even more, so BEI has increased as well.Yesterday I was buying the 2048, and that looks good again today:But hold on--I got...
View ArticleInvesting - Theory, News & General • Re: tips vs cds, a current comparison
It looks fine to me, but you don't really need it.If inflation comes in below BE, nominals win.If inflation comes in above BE, TIPS win.Everything else is just a question of "win by how...
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