Personal Investments • Schwab MM Funds: Why so many?
I'm curious why Schwab has so many MM funds - any ideas?Fund 1 holds corporate debt, so that's different from the other 3, that don't.But funds 2, 3, 4 all have the same yield. And they are all...
View ArticlePersonal Investments • Why do large cap growth stocks have periods of...
According to Eugene Fama and Kenneth French’s model of factors, small and value stocks should outperform over the long run. Why is it that the exact opposite of SCV, LCG, sometimes has huge periods of...
View ArticlePersonal Investments • Type of Bonds for Long Retirement
What kind of bonds do you recommend for a 60 year retirement horizon?It would be in a 80/20 AA with very high tax bracket.Statistics: Posted by Kaione — Mon Mar 04, 2024 8:37 pm — Replies 9 — Views 780
View ArticlePersonal Investments • Vanguard applied RMD to the wrong year?
In an inherited IRA account at Vanguard, I executed the order to take my yearly RMD on December 29, 2023, before the close of trading. I placed a sell order for the appropriate amount of shares, with...
View ArticlePersonal Consumer Issues • Plateaued with my 45 minute workout - Age 47
In a nutshell I alternate half mile of treadmill running at 8.5/9.0 mph with a set of bench press and pull ups. I feel exhausted at the end of the workout and I do the last half mile at a slower 8.0...
View ArticlePersonal Investments • non qualified fixed annuity ownership change tax...
Would somebody be able to explain the tax consequences in this scenario.An individual age 55 owns a non qualified fixed annuity with a cost basis of 50k and current contract value of 100k in...
View ArticleInvesting - Theory, News & General • 401(k) and Roth IRA - Separate Limits
I find myself in a usual situation this year where I expect to max my 401k (including catch ups and employer match) up to the limit of $76,500. A chunk of this (~$23,000) will be after tax...
View ArticlePersonal Consumer Issues • Docking Station Recommendation
Looking for a recommendation on a docking station. Don't have time to keep up with all the various USB/HDMI/DP versions/connectors types, etc.My gadgets:1. Have a PC desktop, but will do a new new...
View ArticlePersonal Finance (Not Investing) • Pet med cheaper than a human prescription.
Our cat is on a blood thinner. We were ordering his food and med from Chewy. Our vet said she could call it into Walgreens. We cut the pill in 1/4s for the cat. Chewy charges 4.50 for 30 pills....
View ArticlePersonal Finance (Not Investing) • Is it Time to Self-Insure? CA Homeowners...
Just got a notice from State Farm that my premium will be increasing by 300% (4x what is now). That seems excessive!I can't help wondering what would have happened if back in 2000, I invested the...
View ArticlePersonal Finance (Not Investing) • Experiences with special orders with Home...
Has anyone run into issues with special orders with Home Depot and Lowes, with respect to delivery time frames, or issues with the breakages during delivery, etc.?E.g. we are planning to buy a lot of...
View ArticleInvesting - Theory, News & General • Vanguard: Reasons for caution about...
Over the years I've occasionally glanced at Vanguard's cyclically adjusted price/earnings ratio graph. The first half of 2020 was probably the last time I looked. It appears the recent model dip...
View ArticlePersonal Finance (Not Investing) • Do All Traditional Solo 401(k)...
I'm getting mixed messages reading around the web on this.I know for sure that traditional Solo 401(k) contributions made as the EmployER reduce QBI. Many sites emphasize this.Do Traditional Solo...
View ArticlePersonal Consumer Issues • When to switch from dealer to independent for service
My wifes 3.0T 2018 Audi Q7 had audicare which covered the first 5 years of scheduled services. Now she is due for her 6 year/60k service, but that service is probably going to be more expensive than...
View ArticlePersonal Finance (Not Investing) • "Chunking" Charitable...
I have a Fidelity Charitable account that I funded a number of years ago with some appreciated stock to avoid the capital gains taxWith the change in tax laws where you have to itemize, I haven't...
View ArticlePersonal Finance (Not Investing) • When to Actually Use my HSA Funds
Have been contributing the max to my HSA account for a while nowThe Account value is around $60K at this pointI have just been saving all medical receipts in a folder!I recall reading before that one...
View ArticlePersonal Investments • Vanguard Treasury redemption message vs actual...
Hello,I bought short term US treasury by auction on Vanguard. Closer to maturity I got this message:U S TREASURY BILL CPN 0.00000 % MTD 2024-02-08 DTD 2023-08-10, CUSIP xxxx, in the brokerage account...
View ArticlePersonal Finance (Not Investing) • Tax Bracket Confusion
Hello, Community - I hope you are doing well.Multiple sources say that "taxable income" establishes a tax bracket. However, taxable income includes long-term capital gains (taxed at a lower rate). For...
View ArticlePersonal Finance (Not Investing) • Chase or BoA for personal and business...
Which of these two would you choose for business and personal checking? Does one do anything better than the other?This is purely a transactional account for income/expenses. I'm not interested in...
View ArticlePersonal Finance (Not Investing) • Yet another Roth conversion "Should...
I am having a difficult time determining if we should continue Roth conversions while working.I am concerned about having a large (for me) amount in tax deferred accounts and the high taxes it will...
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