Didn't see an announcement but saw the distribution in my Schwab account this morning.firebirdparts wrote: ↑Fri Mar 15, 2024 6:47 am Yes, I am still looking for that dividend announcement! They don’t get in a hurry with communicating.
Search found 205 matches
- Fri Mar 15, 2024 6:52 am
- Forum: Investing - Theory, News & General
- Topic: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
- Replies: 2106
- Views: 391651
Re: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
- Thu Mar 14, 2024 5:38 am
- Forum: Personal Finance (Not Investing)
- Topic: Bank of America/Merrill Edge - Preferred Rewards
- Replies: 7041
- Views: 878890
Re: Bank of America/Merrill Edge - Preferred Rewards
For those that held the Blackrock MM Funds in the Merrill account, USGO percentages are out for 2023. . TTTXX was at 94.07% and TFFXX was at 98.65%. It looks like the URL is the same as last year, so it might be a good idea to save a copy with your tax records since I'm not sure where the 2022 information can be accessed anymore. Sorry if this is a dumb question, but my (out of state) accountant thinks, even after reviewing the above link, that the Treasury portion of TTTXX is exempt from state taxes only in New York and California. Is that the case? If not, where can I find evidence that it's tax exempt elsewhere? I'm currently living in Washington, DC, and couldn't find anything online about whether Treasuries (or funds with earnings att...
- Tue Mar 12, 2024 6:43 pm
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1203360
Re: I Bonds Mega Thread (I Bond Heads Rejoice!)
Even if the beneficiary has view/transact rights granted by the owner, this ceases at death. Once TD marks the owner as deceased, no one can view the account so print any holding details before calling. Even if a beneficiary has transact rights prior to death, the bonds can only be redeemed and cash transferred into the TD account or to the owner’s previously linked account. See this is the part I think is messed up. Especially prior mention of it taking 5 months. If a person is designated as beneficiary, it should just be a simple matter to provide Death Certificate, then within days, the money should be paid to the beneficiary. Just like an insurance policy. Our gov't is so messed up, it's ridiculous! This is exactly why I no longer have...
- Mon Mar 11, 2024 6:31 am
- Forum: Personal Consumer Issues
- Topic: Ooma Phone Service
- Replies: 40
- Views: 3425
Re: Ooma Phone Service
Used Ooma for home phone for many years after AT&T started jacking up their rates to ridiculous levels. It worked great for years. Was even able to send faxes over the VOIP line with no problems. Over time the call quality began to fade and customer service seemed to be totally outsourced. Finally ported my number out to a cheap cell phone plan just to hang onto it (have had it for 30 years). No regrets leaving Ooma.
If you are looking for an inexpensive home phone replacement and want to continue to use an actual home phone setup instead of a cell phone, check out StraightTalk's $15/month home phone setup or US Mobile's same.
If you are looking for an inexpensive home phone replacement and want to continue to use an actual home phone setup instead of a cell phone, check out StraightTalk's $15/month home phone setup or US Mobile's same.
- Sun Mar 10, 2024 2:32 pm
- Forum: Investing - Theory, News & General
- Topic: Any investors from the 1981 - 1984 time period here???
- Replies: 36
- Views: 4322
Re: Any investors from the 1981 - 1984 time period here???
Bought my first mutual fund from an advisor in 1986 when I opened up my first IRA. Shortly thereafter discovered Fidelity and no load funds. Soon after that opened a Vanguard mutual fund account. I've paid some hefty management fees over the years before I knew better but never again paid a load to buy a fund.
- Sat Mar 09, 2024 7:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 5973
- Views: 1008541
Re: Fidelity as a one stop shop
I learn something new every day here! Been a Fidelity client for decades and had never set this up. Just got it done.yogesh wrote: ↑Sat Mar 09, 2024 11:25 amThat is brilliantPersonalFinanceJam wrote: ↑Sat Mar 09, 2024 11:20 amI think you missed a step. At Fidelity there is an option to transfer the distributions from your holdings which go to the settlement fund to a different account. Including a linked bank account. This process can be set up to run daily. It’s not a fixed dollar amount but what ever distributions hit the settlement fund. All of this is set up through the normal transfer interface to move money between accounts.
Thank you!
- Fri Mar 08, 2024 10:09 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I splurge on a family vacation to Hawaii?
- Replies: 56
- Views: 4798
Re: Can I splurge on a family vacation to Hawaii?
Do it! You're covered. The family will be talking about this forever.
- Sun Mar 03, 2024 6:22 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
I will be completing that process myself by mid year. No good reason to deal with the frustration of a quirky system when better options are available.Kevin M wrote: ↑Sat Mar 02, 2024 4:48 pmYep, one of several reasons I moved most accounts to Fido or Schwab.Stubbie wrote: ↑Sat Mar 02, 2024 2:13 pmThat sounds like routine Vanguard quirkiness.Kevin M wrote: ↑Sat Mar 02, 2024 10:13 am Hmm. Now when I look in Order Status for this account, I don't see the order. I went through the auction screens again and tried to place another order, and as expected, I got a warning that I had open orders, and was able to see the open order here and cancel it.
- Sat Mar 02, 2024 2:13 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
That sounds like routine Vanguard quirkiness.Kevin M wrote: ↑Sat Mar 02, 2024 10:13 am Hmm. Now when I look in Order Status for this account, I don't see the order. I went through the auction screens again and tried to place another order, and as expected, I got a warning that I had open orders, and was able to see the open order here and cancel it.
- Mon Feb 26, 2024 9:00 am
- Forum: Personal Finance (Not Investing)
- Topic: What's the best way to have federal taxes withheld so I don't have to pay the dreaded estimated taxes?
- Replies: 70
- Views: 9276
Re: What's the best way to have federal taxes withheld so I don't have to pay the dreaded estimated taxes?
+1. This has been easiest for me also. I only have to track what I have already paid to the gov't in one place. To each his own though.JonFund wrote: ↑Sun Feb 25, 2024 6:05 pm As a recent retiree, I find that not having any tax withheld, and doing quarterly estimates is actually the easiest, most efficient, and most accurate way to pay taxes.
Having some income sources (i.e., SS, pensions, etc) withheld and other investments not withheld, creates a mess.
My advise is keep it simple and do the quarterly estimates.
- Sat Feb 24, 2024 9:32 am
- Forum: Personal Finance (Not Investing)
- Topic: SS benefits - apply online, BUT still must go in to office
- Replies: 18
- Views: 1952
Re: SS benefits - apply online, BUT still must go in to office
Another great example of the random nature of dealing with our government entities.
- Mon Feb 12, 2024 1:09 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
I have been building a TIPS ladder for the past 2 years and have read the pros and cons of the different strategies for filling the gap years of 2035 through 2039. Since, depending on inflation, TIPS and nominals have historically traded off on being the more advantageous investment, has anyone just gone ahead and filled those gap years with STRIPS? My thought is to buy the newly issued TIPS each year using the proceeds from the already owned STRIPS for that corresponding year. There are two risks with this strategy: 1) Interest rate risk, 2) unexpected inflation risk. In buying the 2040 TIPS with the intention of selling enough of it to buy the 2039 in Jan 2029, you eliminate the unexpected inflation risk, and the interest rate risk shoul...
- Mon Feb 12, 2024 10:08 am
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
I have been building a TIPS ladder for the past 2 years and have read the pros and cons of the different strategies for filling the gap years of 2035 through 2039. Since, depending on inflation, TIPS and nominals have historically traded off on being the more advantageous investment, has anyone just gone ahead and filled those gap years with STRIPS? My thought is to buy the newly issued TIPS each year using the proceeds from the already owned STRIPS for that corresponding year. Perhaps the relatively short holding period of the STRIPS would soften any huge difference in the TIPS and STRIPS return over that period of time?
- Mon Jan 29, 2024 7:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Managing your affairs when you live alone and have no family or true friends
- Replies: 133
- Views: 21637
Re: Managing your affairs when you live alone and have no family or true friends
In our area an Elder Law Attorney has been very helpful in planning for a situation such as yours. They are very knowledgeable about all resources for aging in place as well as facilities in our area. They will settle the estate with no assistance from any other friends or relatives if desired also (for a hefty fee, of course).
- Mon Jan 15, 2024 7:27 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS statute of limitations
- Replies: 12
- Views: 2141
Re: IRS statute of limitations
Wow! That is amazing. Sadly, this is what dealing with our government entities has come to. The IRS and Social Security/Medicare just seem to be totally overwhelmed. The VA has been for decades. It is a real shame that you need to get your congressman involved just to get any action at all. Most people would not take the time to do that and would endlessly struggle with the bureaucracy.plannerman wrote: ↑Mon Jan 15, 2024 7:12 am I will add this. The payment never shower up in my IRS account, and furthermore, the IRS agents I talked to couldn't find it even after I sent them a copy of the canceled check with the IRS tracking number stamped on the front.
- Fri Jan 12, 2024 6:49 am
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2937
- Views: 611710
Re: Now that long TIPS yields are 60 bp off their highs I will…
Agreed. I am recently retired and have opted for about 50/50. I see inflation as my number one unknown danger during a hopefully long retirement. Between TIPS and social security at least part of my nest egg will be inflation adjusted. Hopefully the historic trend for equities will continue as well and we will come out ahead on the other half. If not, at least I know I have a basic income floor for the next 30 years.CraigTester wrote: ↑Fri Jan 12, 2024 6:32 am
I guess the trick, as always, is to strike the right balance.
Is it better to have the result of the stock market return 30 years from now, or the result of 2% real, or continuous access to those funds.
- Tue Dec 19, 2023 10:18 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1203360
Re: I Bonds Mega Thread (I Bond Heads Rejoice!)
I agree. I would love to have faith in our government run entities. All faith was dispelled in dealing with Social Security over the phone. Total incompetence or massive understaffing issues at TD would not be at all surprising.Richard1580 wrote: ↑Mon Dec 18, 2023 6:34 pm Interesting point. I suppose I still had some lingering faith that government agencies were not both incompetent and dysfunctional. TD has done a lot to dispel me of that notion.
- Sun Nov 05, 2023 7:07 am
- Forum: Investing - Theory, News & General
- Topic: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
- Replies: 2106
- Views: 391651
Re: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
No one can predict the future but there is some history to guide us. The FED always gets the balancing act wrong. A "soft landing" is always the goal but hard to define. A poorly defined target is hard to hit accurately. One day all the indicators will turn negative and the FED will panic. They will start dropping rates quickly which should bode well for this fund and long term treasuries.
- Fri Sep 29, 2023 9:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Bank of America/Merrill Edge - Preferred Rewards
- Replies: 7041
- Views: 878890
Re: Bank of America/Merrill Edge - Preferred Rewards
The only way I've been able to do it is by the last 4 digits of the account number that appear on the stored image of the card. Just have to remember which card is which.bbrock wrote: ↑Thu Sep 28, 2023 8:13 pmAny grand idea if you load your multiple CCR’s in your Apple Pay wallet on differentiating them?placeholder wrote: ↑Thu Sep 28, 2023 6:51 pmEven though one of my two red cards in mastercard I would still sometimes mix them so I wrote gas on that one as it's the only thing I use it for.
- Wed Sep 27, 2023 7:48 am
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 5973
- Views: 1008541
Re: Fidelity as a one stop shop
I have a CMA with a balance of $0 and a brokerage account with some cash separate form my investment accounts. I have never had a problem with checks, bill pay, ATM withdrawals, debit cards, etc. However, I am changing this to two CMA accounts, both with $0. I will be removing check writing from my current one, and use it for debit card, ATM, bill pay, and ACH. The new one will have check writing, and will only be used for check writing, and will not have overdraft protection. i will manually transfer money from the brokerage for each check. This is not ideal, but most bills are autopay, bill pay, ACH, so this is really for one off checks. There are several reasons I am doing this. One is that I have a large amount of cash in the brokerage...
- Fri Sep 08, 2023 6:36 am
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
I use my own spreadsheet to calculate the actual TIPS income, but it’s a hassle to keep updating it. I’ve asked Schwab to address this issue, but from their lukewarm response I am doubtful much will happen. One way to simplify the updates would be to derive the current inflation factors from the current reference CPI, so that you only have to change one number to update all your TIPS. What I do is I have the reference CPI at issuance for each of my TIPS in a column of the spreadsheet. The current reference CPI is in a single cell on the spreadsheet. Then by dividing the current reference CPI by reference CPI at issuance, I get the inflation factor for each TIPS. So to update all I need to change is that one figure, the current reference CP...
- Fri Sep 08, 2023 6:33 am
- Forum: Investing - Theory, News & General
- Topic: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
- Replies: 2106
- Views: 391651
Re: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
Also guilty. Been gobbling them up as part of my rebalancing.firebirdparts wrote: ↑Fri Sep 08, 2023 6:11 amGuilty.CletusCaddy wrote: ↑Thu Sep 07, 2023 5:45 pm Interesting article on money flowing into long bonds:
https://www.morningstar.com/bonds/bond- ... going-long
- Mon Aug 07, 2023 8:24 am
- Forum: Personal Consumer Issues
- Topic: Private School (Affordably)
- Replies: 54
- Views: 5620
Re: Private School (Affordably)
I have the same question, how is it possible at $5K? religious schools may offer discounted tuition, they are a no for me but I don't have a issue with others sending because they want to for that reason. It's a Catholic school, sorry I should have clarified in the original post! I'm in a LCOL city (Midwest). I can only think of one non-religious private school in my area that I'd consider and you're right, the prices are significantly higher as it's the top private school in the state with all of the city's wealthiest families. I'm personally not totally turned away by a Catholic school. I have family members and friends in the area (both of Catholic and non-Catholic faith) who have attended these schools and had very positive things to s...
- Mon Aug 07, 2023 7:38 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1203360
Re: Selling I Bonds
A BIG +1 here!TomatoTomahto wrote: ↑Wed Aug 02, 2023 10:28 amCeteris paribus, I agree, but I think I’ll sell I-bonds and empty out our HSA for simplification reasons. My wife is perfectly capable, but she is an odds on favorite to be a widow, and I don’t think these ancillary accounts are sufficiently useful to warrant their complications.
- Sun Jul 02, 2023 9:06 am
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
Ditto this. Simplifying things for my wife. Reviewed all of our accounts with her and it was apparent that TD was going to cause the most issues after I am no longer handling the finances. Been migrating to TIPs at Fidelity.
- Thu Jun 29, 2023 6:37 am
- Forum: Personal Investments
- Topic: Finding the Financial Adviser Who Knows Taxes
- Replies: 56
- Views: 6567
Re: Finding the Financial Adviser Who Knows Taxes
Because most of them are sales people on commission.
- Sat Jun 24, 2023 7:11 am
- Forum: Personal Investments
- Topic: Finding the Financial Adviser Who Knows Taxes
- Replies: 56
- Views: 6567
Re: Finding the Financial Adviser Who Knows Taxes
Allan Roth is the only true financial advisor I would use for tax strategy as well as a financial plan.
Mike Piper is the CPA I would use if he was available to me. You can learn a bunch just by reading Mike's books. Start with the one specifically about TAXES.
Mike Piper is the CPA I would use if he was available to me. You can learn a bunch just by reading Mike's books. Start with the one specifically about TAXES.
- Mon May 08, 2023 6:45 am
- Forum: Personal Investments
- Topic: I think it may be time to "retire".
- Replies: 35
- Views: 8442
Re: I think it may be time to "retire".
Congratulations! You are better prepared for retirement than 99% of Americans! Special congrats on having two fully launched educated kids. That is a rarity today also. Being single you have complete control over your spending. if you want to retire now, do it! Give a lot of thought to how you will spend all of your free time. I did a lot of this and rolled right into retirement with no issues. My wife didn't think about this at all beforehand and struggled with how to occupy her sudden abundance of time. BTW, I was also in IT. The first three months of not being on call 24/7 were pure bliss. I could literally feel the stress leaving my body daily. I am physically much healthier now than the last 10 years I was working. And obviously happie...
- Fri Apr 28, 2023 7:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Treating children financially equal
- Replies: 259
- Views: 21253
Re: Treating children financially equal
+1White Coat Investor wrote: ↑Thu Apr 27, 2023 10:46 am Three things we have always emphasized to our kids:
# 1 Life isn't fair
# 2 You don't always get what you want (usually sung, a la The Rolling Stones)
# 3 You get what you get and you don't throw a fit
So while we don't intend to treat them dramatically differently financially, no way is it ever going to be perfectly fair and they better get used to it. They're all getting far more from us than we ever got from our parents. Be grateful for what you get.
Bottom line: I think you're doing fine and worrying about it too much. Certainly more than they are.
Dr. Jim does it again!
Life isn't fair. The sooner a kid learns this and accepts it, the more content they will be.
- Fri Apr 21, 2023 6:24 am
- Forum: Personal Investments
- Topic: Fidelity Advisor?
- Replies: 19
- Views: 2479
Re: Fidelity Advisor?
Corporate cultures can change. I remember when Charles Schwab was regarded as a very investor friendly brokerage, when a new President took over and the founder stepped aside, the brokerage became much less investor friendly. As I recall, fees were hiked. The founder came back and brought the company back to a much better environment for the small investor. So Fidelity has always had Advisors but they were not pushy. I don't know, maybe something has changed in the company culture and the reps are becoming more aggressive. My take is that Fidelity realizes that in bad markets that investors will flee to Advisors looking for answers, I think they would rather have their customers flee to Fidelity Advisors than to competitor Advisors. I thin...
- Thu Apr 20, 2023 8:29 pm
- Forum: Personal Consumer Issues
- Topic: Most practical IT certifications
- Replies: 21
- Views: 2766
- Thu Apr 20, 2023 7:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Tough question regarding beneficiaries of will/trust
- Replies: 35
- Views: 3887
Re: Tough question regarding beneficiaries of will/trust
Having no children greatly simplifies this. Leave everything to the GF minus anything you want to leave to charity. GF has kids, they take priority for her, so her 20% to you should have no bearing on your situation. Leave your sibs out of it unless you give them equal amounts. Otherwise, it only causes trouble.
- Wed Apr 19, 2023 7:34 am
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
+1. Just like all of my retirement jobs!hudson wrote: ↑Tue Apr 18, 2023 9:10 am Bottom Lines:
When will I get tired of buying individual treasuries? I'm not close yet; it's still fun;
I don't mind making a few clicks to help pay the next restaurant tip.
It's not unlike playing the credit card reward game. The small amounts become large amounts after a year.
I'm retired; it's my job until I get tired of it.
- Wed Apr 19, 2023 7:10 am
- Forum: Personal Investments
- Topic: How to review recent T Bill Earnings?
- Replies: 7
- Views: 857
Re: How to review recent T Bill Earnings?
+1 for T-Bills on the secondary market. Balance your best rate and your maturity date.
- Fri Apr 14, 2023 6:56 am
- Forum: Investing - Theory, News & General
- Topic: How is Berkshire Hathaway stock NOT a better investment than the index?
- Replies: 136
- Views: 29347
Re: How is Berkshire Hathaway stock NOT a better investment than the index?
This is my rationale as well. I also want the annual invitation to Buffetfest in Omaha!Jack FFR1846 wrote: ↑Thu Apr 13, 2023 7:33 pmI don't hold BRK because I think it will outperform the market. I do hold it because I believe it will perform about the same as the market. And it doesn't spill out taxable dividends that I don't want.Charles Joseph wrote: ↑Thu Apr 13, 2023 5:37 pm With all risk factors considered, how could a single stock ever be a better investment than the total US market or the S&P 500?
- Tue Apr 11, 2023 10:10 pm
- Forum: Personal Consumer Issues
- Topic: Any diamond experts?
- Replies: 37
- Views: 3370
Re: Any diamond experts?
I have been working on purchasing a diamond for my girlfriend. Generally we are on the frugal side of frugal (not perfect, getting there) and otherwise we are Bogleheads. I’ll start by saying she has always wanted a true ethical, natural diamond. We have a deal where I’ll buy her a diamond ring, she’ll buy me a grand piano, and those will be our one-time big purchases for each other. In searching for truly ethical, I came across a diamond distributer in Botswana that tracks diamonds from start to finish. I thought it was beautiful - emerald cut, 2.01 carat, VS1, G color, no visible inclusions, no hue. However, the Botswana cert that comes with it does say cut is “very good” and not “excellent”. I posted the diamond details online and peopl...
- Tue Apr 11, 2023 9:58 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
I prefer the secondary market also.kalarama wrote: ↑Tue Apr 11, 2023 8:49 pmGotcha, thanks for the explanation! I generally only purchase treasuries on the secondary market to know exact YTM I'm getting and it has next day settlement so funds aren't locked up for extended period.Lyrrad wrote: ↑Tue Apr 11, 2023 8:26 pm
I think the complaint is that, at Fidelity, between auction and settlement, the cost of the new bill is subtracted from the available balance and can't be used for any other investments. This can be as long as 6 days for the 17 week bill (Wed->Tues). This occurs even if there's another bill maturing on the settlement date that can be used to pay for the new bill.
- Tue Apr 11, 2023 9:53 pm
- Forum: Personal Investments
- Topic: Windfall - inherited IRAs. Advice at age 55.
- Replies: 36
- Views: 5127
Re: Windfall - inherited IRAs. Advice at age 55.
Thanks ruralavalon! Does your CPA/tax attorney just answer questions for you, so you pay by the hour for that? Or do they do your taxes as well, which I assume would be pricey at attorney rates? Michael Piper is a CPA and provides financial planning advice. He is a well respected member of Bogleheads, spoke at our conference this past fall, published author on numerous financial topics. Please take a look at this page link to see if you think he might be a good fit for you. https://michaelrpiper.com/services/ He also is known as the Oblivious Investor and you can check out his page here. https://obliviousinvestor.com/ Cheers Mike is a great CPA. Great tax advise. I would also check out Allan Roth for financial planning. Fee only. Not cheap...
- Fri Apr 07, 2023 4:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Leaving long-term job
- Replies: 52
- Views: 7047
Re: Leaving long-term job
I left one job where I told my boss exactly why I was leaving and all the things I thought were wrong with the company. It felt good at the time. I really thought I was helping them to improve. I have always regretted that though. It did no one any good. Keep suppressing that urge to "vent". "You have loved working for your present company and certainly your wonderful boss. You really hate leaving such an ideal workplace but the new opportunity is just too good to pass up. You're going to miss everybody terribly and you wish them all nothing but the best!" I'm curious - did it harm anyone or come back to haunt you in any specific way? Not in any material way. It just played with my psyche years later. I have regrets lea...
- Fri Apr 07, 2023 7:14 am
- Forum: Personal Finance (Not Investing)
- Topic: Leaving long-term job
- Replies: 52
- Views: 7047
Re: Leaving long-term job
I just got my dream job! And the best part is that I’m finally able to walk away from a very toxic work environment that has negatively affected my mental health and relationships for the past two years. I’m ecstatic! Many people look forward to "telling them off" when they leave such a job. My advice is don't. It's a small world and someone who hears about what you said when leaving might end up at your new employer or some place you interview in the future. So just keep things simple and bland if asked; good people, good work, leaving for a change or raise, no you won't consider a counter-offer. Agreed. I have no idea how my boss will react but I plan to tell her exactly that: I have a good opportunity that makes sense for my c...
- Thu Apr 06, 2023 8:04 am
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455588
Re: Trading Treasuries (nominal and TIPS)
What are optimal ways to buy short term Treasuries? In a non-retirement account, I can place an order to buy something from auction and match issues date of new one with maturity date of old one. So I am not out of market if I have a margin account. In retirement account, In Fidelity, because of auto roll, some of your funds are stuck for a while. For example, for auto roll of 13 week bill, it issues on Tuesday, but it places order a week ago. So your funds available for trade reduces equal to the amount for auto roll and thus "frezzes" for a week. If you buy from secondary, you are out of market for a day. If something matures today, I can buy Treasuries from secondary market, but it settles tomorrow so it loses a day. In Schwab...
- Tue Apr 04, 2023 8:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Reducing MAGI for ACA via IRA
- Replies: 15
- Views: 1211
Re: Reducing MAGI for ACA via IRA
I did this very thing for several years and lowered our ACA premiums substantially.
- Tue Apr 04, 2023 7:00 am
- Forum: Investing - Theory, News & General
- Topic: New tool for building a TIPS ladder
- Replies: 422
- Views: 79548
Re: New tool for building a TIPS ladder
Kaesler:
Just want to say thanks again for sharing this tool! I have used it a lot for research and have made some purchases as a result.
Just want to say thanks again for sharing this tool! I have used it a lot for research and have made some purchases as a result.
- Tue Apr 04, 2023 6:47 am
- Forum: Personal Investments
- Topic: Disappointed with Schwab
- Replies: 24
- Views: 3994
Re: Disappointed with Schwab
The biggest problem I've found with Schwab is that they go out of their way to screw you on your cash, because this is their business model. They make most of their money by arbing their customers cash holdings. This is also why they're getting into trouble. This has been the business model for a long time, particularly since they went to zero commissions. However its only being exposed in such a severe way now because interest rates are now much higher, so the games they play to screw customers on their cash are becoming much more visible. I am in the process of gradually migrating my schwab account over to Fidelity, and perhaps will open a Vanguard account, because of this. I don’t think this is as big of a deal as it’s being made out to...
- Sun Apr 02, 2023 7:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Leaving long-term job
- Replies: 52
- Views: 7047
Re: Leaving long-term job
Exactly! I had 23 years at one company. Leave it behind. Easier said than done. They will forget about you. The sooner you forget about them, the healthier you will be. Move on to the next chapter in your life. Life is too short for negative feelings! Positive vibes only from this point forward!Beensabu wrote: ↑Sat Apr 01, 2023 10:11 pmThe moment you step out the door for good. It's gone.
And if you ever find yourself even beginning to think about about a bit of it again, just say "stop!" to yourself in your head, on repeat, until you notice how pretty the light is as it falls upon a particular leaf or something. It's gone.
As long as you don't dwell upon it, it's gone.
Out the door, out the mind. Left behind.
- Sun Apr 02, 2023 6:53 pm
- Forum: US Chapters
- Topic: Nisiprius has 49,000 posts
- Replies: 112
- Views: 14866
Re: Nisiprius has 49,000 posts
I've been learn't so many times by Nisi, I can't count!!HomerJ wrote: ↑Sun Apr 02, 2023 6:14 pmThis, right here.inittowinit wrote: ↑Sun Apr 02, 2023 12:34 am Every time I see that butterfly I know I'm about to get learn't
- Tue Mar 28, 2023 6:45 am
- Forum: Investing - Theory, News & General
- Topic: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
- Replies: 2106
- Views: 391651
Re: Why not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]
Once again Vanguard is the laggard in reporting up to date information. 2 days later and they still haven't updated the proper share quantity.iskey wrote: ↑Mon Mar 27, 2023 8:18 pmYeah my PSLDX balance went up 196% today in my Roth at Vanguard.manlymatt83 wrote: ↑Fri Mar 24, 2023 10:46 pm Apparently PSLDX did a reverse split today. Almost gave me a heart attack when I saw my wrong balance in Schwab.
- Mon Mar 27, 2023 4:16 pm
- Forum: Investing - Theory, News & General
- Topic: "Asset Location Fundamentals (which investments to own in which accounts)"
- Replies: 27
- Views: 4227
Re: "Asset Location Fundamentals (which investments to own in which accounts)"
Mike makes everything more digestible!retired@50 wrote: ↑Mon Mar 27, 2023 4:14 pm I've bookmarked the article so I can refer new forum members to it later on. It seems to be in agreement with the Boglehead wiki page on tax efficient fund placement, but may be more digestible by some readers.
- Mon Mar 27, 2023 4:14 pm
- Forum: Personal Consumer Issues
- Topic: AirTags are not useful as a people/creature tracker
- Replies: 40
- Views: 6026
Re: AirTags are not useful as a people/creature tracker
I do this. Also, zip up in his pocket the smallest burner iPhone I can find. As long as it's on a cell network I can track him with "find my iPhone".Texanbybirth wrote: ↑Mon Mar 27, 2023 3:07 pm As the parent of a prone-to-wonder 4 yo, my takeaway from this thread - aside from a few chuckles - is the write your phone number in Sharpie on child's forearm idea. Brilliant!
- Fri Mar 24, 2023 5:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 5973
- Views: 1008541
Re: Fidelity as a one stop shop
That was my experience as well.Tier1Capital wrote: ↑Thu Mar 23, 2023 11:20 pm I couldn't get Fidelity to link my trust account to my existing bank accounts without sending in old-fashioned paper forms by mail.