LaramieWind:
Single or married? It makes a big difference.
Single - benefits are so close to actuarially neutral that it doesn’t much matter
Married - the higher earning spouse should defer, preferably until after FRA if the resources are available to wait.
The reason for the married logic due to the way survivor’s benefits are calculated. The low-earner’s calculation is based on “first spouse to pass”, the high earner’s calculation is based on “last spouse to pass”. This is true regardless of which spouse passes first.
Search found 14461 matches
- Wed Mar 27, 2024 9:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Take Social Security Now?
- Replies: 47
- Views: 2360
- Mon Mar 25, 2024 6:50 pm
- Forum: Personal Investments
- Topic: Those complimentary dinners for retirees by investment advisors
- Replies: 137
- Views: 10178
- Mon Mar 25, 2024 6:40 pm
- Forum: Personal Investments
- Topic: QQQ Question
- Replies: 49
- Views: 2860
Re: QQQ Question
How many investors in these companies are unaware that: "...technology [is] advancing so quickly, and AI [is] becoming such a main stream concept..."
Values of the individual companies in QQQ are priced not only for their current financial performance, but also for their future prospects.
Values of the individual companies in QQQ are priced not only for their current financial performance, but also for their future prospects.
- Mon Mar 25, 2024 8:14 am
- Forum: Personal Consumer Issues
- Topic: Reasonable sized smartphone: does such a thing exist in 2024?
- Replies: 39
- Views: 2536
Re: Reasonable sized smartphone: does such a thing exist in 2024?
Another vote for the SE. I use it for phone calls and texts. I do most of my reading on a tablet.
They must be doing well, they are on the 3rd generation of the SE, the latest with full 5g. They keep the name but each new version gets the “guts” of a newer iPhone.
They must be doing well, they are on the 3rd generation of the SE, the latest with full 5g. They keep the name but each new version gets the “guts” of a newer iPhone.
- Sun Mar 24, 2024 12:27 pm
- Forum: Personal Investments
- Topic: Newbie Question [Roth conversions]
- Replies: 5
- Views: 376
Re: Newbie Question
I like looking at this chart from right to left as it tends to clarify things. At age 59.5 (right two columns) all contributions and conversions are qualified. Only earnings that have occurred inside the Roth are taxable if the account is less than 5 years old. There are ordering rules for distributions, so unless you completely empty the Roth it is unlikely that you will withdraw any gains.
Once you understand the right two columns, we now shift to conversions and earnings before age 59.5. There is a 5 year clock on each individual contribution and all earnings withdrawn before age 59.5 are subject to tax and penalty.
- Sun Mar 24, 2024 12:16 pm
- Forum: Personal Investments
- Topic: Newbie Question [Roth conversions]
- Replies: 5
- Views: 376
Re: Newbie Question
I think I am correct in saying the 5 years starts on the first and each subsequent conversion, not when the Roth was opened? Perhaps you are not getting a clear answer because there are two 5-year clocks. One is for account aging, the other is for individual conversion aging. 1. The account clock is based on "funding" your first Roth IRA anywhere, even if it is later closed. You said you opened a Roth but did not say that you contributed. Assuming you made a contribution at the time (most common because few go through the bother of opening a Roth and then leaving it empty), you have met the account aging requirement . 2. Each conversion has it's own aging clock. If you made a conversion today (at age 57) and decided to withdraw t...
- Sat Mar 23, 2024 10:09 pm
- Forum: Personal Investments
- Topic: Can I use copycat active ETF to do Tax-Loss Harvesting?
- Replies: 13
- Views: 857
Re: Can I use copycat active ETF to do Tax-Loss Harvesting?
Yikes! A fund with a .64 ER is the cheapest NTF fund available? An ER over .5 feels painful to most Bogleheads.henryphseven wrote: ↑Sat Mar 23, 2024 10:00 pmi hold PRDGX in a non-TRP brokerage account, where TRP is the cheapest NTF fund available. wish i had known the existence of its ETF before buying it.David Jay wrote: ↑Sat Mar 23, 2024 9:42 pmOr leave TRP for a full-service brokerage where you can purchase funds from any number of fund families.henryphseven wrote: ↑Sat Mar 23, 2024 9:34 pmGotcha, then the only thing I can do is waiting for one month
All the more reason to move the account to another firm. Many brokerages offer multiple fund families at a fraction of that cost.
- Sat Mar 23, 2024 9:42 pm
- Forum: Personal Investments
- Topic: Can I use copycat active ETF to do Tax-Loss Harvesting?
- Replies: 13
- Views: 857
Re: Can I use copycat active ETF to do Tax-Loss Harvesting?
Or leave TRP for a full-service brokerage where you can purchase funds from any number of fund families.henryphseven wrote: ↑Sat Mar 23, 2024 9:34 pmGotcha, then the only thing I can do is waiting for one month
- Sat Mar 23, 2024 11:48 am
- Forum: Personal Finance (Not Investing)
- Topic: In-laws 529 for grandkids, bite my lip or say something?
- Replies: 58
- Views: 5895
Re: In-laws 529 for grandkids, bite my lip or say something?
This. Ask permission to share your thoughts. It is a great diffuser.White Coat Investor wrote: ↑Thu Mar 21, 2024 12:33 pmThen you can kindly ask if they'd be interested in a way to lower the fees and boost returns on those accounts so their grandkids will benefit even more from their generosity.
- Fri Mar 22, 2024 10:18 am
- Forum: Personal Investments
- Topic: Total US Stock Market ETF which distributes dividends annually?
- Replies: 5
- Views: 858
- Fri Mar 22, 2024 9:02 am
- Forum: Personal Finance (Not Investing)
- Topic: tax brackets etc assuming TCJA sunset no new laws
- Replies: 31
- Views: 3574
Re: tax brackets etc assuming TCJA sunset no new laws
One thing is certain, everyone can take advantage of the current rates for 2024 and 2025.
- Fri Mar 22, 2024 8:46 am
- Forum: Investing - Theory, News & General
- Topic: Buy and Hold Forever
- Replies: 22
- Views: 3668
Re: Buy and Hold Forever
This!avalpert1 wrote: ↑Fri Mar 22, 2024 12:46 amIt should not because it doesn't make sense as a tenet for an individual who does not have a perpetual duration (I'm not sure it really makes sense as a tenet for anyone in actuality) and directly conflicts with other components of the Boglehead approach such as rebalancing.NostraHistoria wrote: ↑Thu Mar 21, 2024 7:53 pmMaybe BAHF should be added to the tenets of the Bogleheads?
“Having a plan” in my case means following my investment policy statement (IPS). It called for a stock-heavy portfolio during the accumulation years and a more balanced portfolio in the retirement years.
- Thu Mar 21, 2024 9:11 pm
- Forum: Personal Investments
- Topic: Thoughts about using floaters for FI
- Replies: 14
- Views: 1257
- Thu Mar 21, 2024 5:59 pm
- Forum: Personal Investments
- Topic: Highly Concentrated Position In Zero Cost Basis Holding
- Replies: 23
- Views: 1440
- Tue Mar 19, 2024 8:12 pm
- Forum: Personal Investments
- Topic: Vanguard Mutual Fund Conversion at IBKR
- Replies: 4
- Views: 371
Re: Vanguard Mutual Fund Conversion at IBKR
"Conversion" can only be done when the mutual funds are held at Vanguard. Everywhere else (IBKR included) you must sell, take your capital gains, and buy the ETF.
It may be worth moving the assets to Vanguard for a period of time to be able to convert without capital gains.
It may be worth moving the assets to Vanguard for a period of time to be able to convert without capital gains.
- Tue Mar 19, 2024 5:27 pm
- Forum: Investing - Theory, News & General
- Topic: Awesome Portfolio: 20% Stocks..20% Bonds..20% Cash..20%Real Estate, 20%Gold
- Replies: 51
- Views: 6321
Re: Awesome Portfolio: 20% Stocks..20% Bonds..20% Cash..20%Real Estate, 20%Gold
Any gold backtesting that starts in 1970 or 1971 is cherry picking. The price went was around $300/oz in 70/71, climbing dramatically over the next few years.
- Tue Mar 19, 2024 5:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS slow this year (2024)
- Replies: 27
- Views: 2914
- Sat Mar 16, 2024 10:06 am
- Forum: Investing - Theory, News & General
- Topic: Should I Keep Sacrificing or Start Enjoying Myself
- Replies: 32
- Views: 3768
Re: Should I Keep Sacrificing or Start Enjoying Myself
What are your life goals?
If you are in a career that you love and wish to pursue as long as you have the desire / energy, start budgeting (note: spending is a budget item, not a “letting off the gas pedal”) more spending.
If your goal is early retirement then you need to evaluate your timeline and saving levels in light of the date you wish to retire.
If you are in a career that you love and wish to pursue as long as you have the desire / energy, start budgeting (note: spending is a budget item, not a “letting off the gas pedal”) more spending.
If your goal is early retirement then you need to evaluate your timeline and saving levels in light of the date you wish to retire.
- Fri Mar 15, 2024 4:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Spousal social security
- Replies: 16
- Views: 1781
Re: Spousal social security
May I suggest that your spouse wait to claim until 68 years 4 months. That will increase your spouse’s benefit by 10 2/3 percent ($352 per month) and there will be no secondary deduction from spousal because you will be FRA.
Whether or not you claim your personal at age 62 is up to you. 60 months of payments isn’t chump change.
Whether or not you claim your personal at age 62 is up to you. 60 months of payments isn’t chump change.
- Fri Mar 15, 2024 4:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Inherited Stretch Annuity?
- Replies: 14
- Views: 1157
Re: Inherited Stretch Annuity?
This suggests to me that it probably shouldn’t be used if one expects to be below the estate inheritance exemption amount. Below the exemption amount the heirs get “step-up” basis so they pay no tax on the account gains prior to death.
- Fri Mar 15, 2024 4:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Getting ready to leave Northwestern Mutual annuity, but what about Insurance?
- Replies: 9
- Views: 1026
Re: Getting ready to leave Northwestern Mutual annuity, but what about Insurance?
Likely you will need to be the one to surrender the annuity (I doubt that Fid/VG will be allowed to surrender an annuity). That will put the cash in a NWM account.Investomatic3000 wrote: ↑Fri Mar 15, 2024 4:09 pmWhen it comes time to move the $ out of the annuity I'm going to have the receiving firm do the work.
Then use the receiving firm to transfer the cash out of NWM to the new custodian.
- Fri Mar 15, 2024 12:55 pm
- Forum: Investing - Theory, News & General
- Topic: Great news! No more [fixed real estate] agent commission
- Replies: 238
- Views: 22602
- Fri Mar 15, 2024 10:12 am
- Forum: Personal Finance (Not Investing)
- Topic: Spousal social security
- Replies: 16
- Views: 1781
Re: Spousal social security
It still often makes sense to receive those years of payments prior to your spouse claiming, my spouse claimed @ 62 and I am deferring for a larger survivor's benefit. To follow up on this thought, your benefit will be the first one to end regardless of which spouse passes first. The survivor's benefit will be the $3300 if your spouse claims at full retirement age (FRA). If he waits to claim until after FRA then he will receive a larger benefit and that benefit will still be the survivor's benefit. As we looked at this, we thought that receiving the small (similar size to yours) benefit for 7 years (in our case) was a way to get some cash flow and the lower earner filing early does not affect the size of the survivor's benefit. My primary ...
- Fri Mar 15, 2024 9:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Spousal social security
- Replies: 16
- Views: 1781
Re: Spousal social security
Filing early for your personal benefit will permanently reduce your total benefit. It is nominally dollar-for-dollar because spousal is calculated as follows: (spouses full retirement benefit [PIA] divided by two) minus your full retirement benefit [PIA]. This amount is added to your personal benefit. If your personal benefit is less than your full retirement benefit due to filing early then your total benefit is smaller than if you had waited to your full retirement age to claim. It still often makes sense to receive those years of payments prior to your spouse claiming, my spouse claimed @ 62 and I am deferring for a larger survivor's benefit. Edit: Note, there is also a reduction for claiming spousal before your full retirement age, I do...
- Fri Mar 15, 2024 9:39 am
- Forum: Personal Investments
- Topic: Two Vanguard Target 2040 funds
- Replies: 6
- Views: 683
Re: Two Vanguard Target 2040 funds
Welcome to the forum!
Note the names on your two links: one is "investor" and the other is "institutional". The institutional version of TR2040 is only available in an employer plan. It is not a mutual fund but an investment trust (good in a 401K) which is why it has no ticker.
Note the names on your two links: one is "investor" and the other is "institutional". The institutional version of TR2040 is only available in an employer plan. It is not a mutual fund but an investment trust (good in a 401K) which is why it has no ticker.
- Fri Mar 15, 2024 7:52 am
- Forum: Personal Investments
- Topic: Create traditional or rollover IRA at Fidelity when transfering a rollover IRA?
- Replies: 5
- Views: 574
Re: Create traditional or rollover IRA at Fidelity when transfering a rollover IRA?
The two accounts are both traditional IRA accounts. The naming conventions refer to the content of the accounts, not the nature of the accounts.
Rollover accounts hold funds whose origin is typically an employer account, it is an attempt to segregate those assets from personal contributions. Since the origin of this money is a 401K I agree with your choice.
Rollover accounts hold funds whose origin is typically an employer account, it is an attempt to segregate those assets from personal contributions. Since the origin of this money is a 401K I agree with your choice.
- Thu Mar 14, 2024 4:35 pm
- Forum: Personal Investments
- Topic: Transfer In-Kind experience question
- Replies: 1
- Views: 373
Re: Transfer In-Kind experience question
First off, if you are leaving Wells Fargo then you should be working with the brokerage that is receiving the assets. They have the incentive to make sure the transaction goes smoothly.
If the transfer is "in-kind" then you are never out of the market so why does it matter if it takes 24 hours or two weeks? I have never dealt with Wells Fargo but my experience with other brokerage houses is typically 3-5 business days.
If the transfer is "in-kind" then you are never out of the market so why does it matter if it takes 24 hours or two weeks? I have never dealt with Wells Fargo but my experience with other brokerage houses is typically 3-5 business days.
- Thu Mar 14, 2024 9:31 am
- Forum: Personal Investments
- Topic: Quick Trad IRA Question
- Replies: 2
- Views: 259
Re: Quick Trad IRA Question
Here is a good IRS chart of the income limits for various situations:
https://www.irs.gov/retirement-plans/20 ... an-at-work
https://www.irs.gov/retirement-plans/20 ... an-at-work
- Thu Mar 14, 2024 7:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Help for sister on social security during assisted living spend down
- Replies: 13
- Views: 2083
Re: Help for sister on social security during assisted living spend down
This.mb wrote: ↑Thu Mar 14, 2024 7:34 am My brother and I supplemented my mother’s income while she was in assisted living. As instructed by an elder care attorney, none of our contributions could ever go through any of her accounts. We paid a portion of her expenses directly to the assisted care facility. Eventually she needed to go on Medicaid. We had no problems with the Medicaid application and she received her benefit without any problems.
- Thu Mar 14, 2024 7:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare premium credit card auto-pay??
- Replies: 5
- Views: 1077
Re: Medicare premium credit card auto-pay??
One doesn't have to reimburse every month.
I reimburse our checking account from my HSA every 3 months, but you could do it every 6 or 12 months to simplify your life.
- Tue Mar 12, 2024 1:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: Disqualifying Disposition and ESPP.
- Replies: 2
- Views: 2873
Re: Disqualifying Disposition and ESPP.
Original post is over 15 years old…
- Tue Mar 12, 2024 12:22 pm
- Forum: Investing - Theory, News & General
- Topic: Previously taxed reinvested Dividends reduce Capital
- Replies: 14
- Views: 1234
Re: Ed Slott's Feb 29 comments regarding dividend reinvestment and... cost basis?
Yes.mangorunner wrote: ↑Tue Mar 12, 2024 12:20 pmIs the tax advice to simply track your cost basis - and include all dividend reinvestments - in a taxable account?
- Mon Mar 11, 2024 5:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: When claiming SS with a young family would this reduce taxes?
- Replies: 10
- Views: 846
Re: When claiming SS with a young family would this reduce taxes?
What benefits - specifically - do you believe your kids will receive because you file for Social Security at age 62?
- Mon Mar 11, 2024 5:57 pm
- Forum: Personal Investments
- Topic: SS is insufficient, very little savings, what's the best option
- Replies: 49
- Views: 7956
- Sun Mar 10, 2024 3:36 pm
- Forum: Personal Investments
- Topic: 401K vs Roth IRA
- Replies: 17
- Views: 1609
Re: 401K vs Roth IRA
If you are very early in your career and in a relatively low tax bracket then Roth may be a good option. For most of one’s working lifetime tax deferred is superior as early retirement tax rates may be lower than when working.
- Sun Mar 10, 2024 3:34 pm
- Forum: Personal Investments
- Topic: 401K vs Roth IRA
- Replies: 17
- Views: 1609
Re: 401K vs Roth IRA
Your math is correct assuming the same marginal tax rate at time of contribution and time of distribution. This is due to the commutative principle of multiplication - the order doesn’t matter.
Here is an example, starting with $10,000 in wages, 24% tax rate (x .76), 700% lifetime growth (x 7):
Roth: (10,000 x .76) x 7 = $53,200
401K: (10,000 x 7) x .76 = $53,200
Here is an example, starting with $10,000 in wages, 24% tax rate (x .76), 700% lifetime growth (x 7):
Roth: (10,000 x .76) x 7 = $53,200
401K: (10,000 x 7) x .76 = $53,200
- Sun Mar 10, 2024 2:34 pm
- Forum: Personal Investments
- Topic: New Boglehead\Newly Retired
- Replies: 4
- Views: 657
Re: New Boglehead\Newly Retired
Welcome to the forum! You have 3 years to research it, but let me discuss your #3 and #4: The key to SS claiming strategy for married couples is the rubric of survivor’s benefits. The amount of the survivor’s benefit is equal to the greater of the two individual benefits, the smaller of the two benefits in effect “goes away” when the first spouse passes. This means the financial evaluation of the high earner is based on “second to pass” and the financial evaluation of the lower earner is based on “first to pass”. What this means is the real world is that under most circumstances is for the high earner to defer as you are doing. However, since the low earner benefit has a shorter duration most SS calculators will suggest that the lower earne...
- Sat Mar 09, 2024 6:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: QCDs before age 73?
- Replies: 30
- Views: 2493
Re: QCDs before age 73?
MAGI (used to calculate IRMAA), not AGI. See my edit above, the benefit only occurs when tIRA funds are withdrawn to make the contribution.Artsdoctor wrote: ↑Sat Mar 09, 2024 5:01 pm ^ I agree with jebmke.
Maybe the 1040 is etched into my brain right now since it's tax season. But I'm trying to follow the previous statement suggesting that a QCD affect your AGI. It really doesn't.
Most people do not itemize nowadays because the standard deduction is so high but if you do, you'd be itemizing on Schedule A and taking your charitable contributions there. That deduction doesn't affect your AGI either (your AGI is the same whether you itemize or not).
- Sat Mar 09, 2024 4:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: QCDs before age 73?
- Replies: 30
- Views: 2493
Re: QCDs before age 73?
Are you on Medicare? are you paying, or at risk of paying IRMAA? QCDs reduce your MAGI whereas deductions do not. Not until you are drawing RMDs; QCDs have no impact on MAGI before then. When withdrawing from tax deferred retirement accounts, QCDs get deducted from your taxable income on page 1 of the 1040, so they do have an impact on MAGI even before you reach the RMD age. Can you clarify what you mean here? QCDs are not part of your adjusted gross income at all, so what would they be reducing prior to RMD age? I'm not kcolman or GenawithanE, but I believe this is is the thinking: 1. Assuming that one is making a charitable contribution [edit] with tIRA funds regardless of method (if not, then there is no benefit) 2. Using a QCD after 70...
- Sat Mar 09, 2024 4:40 pm
- Forum: Investing - Theory, News & General
- Topic: "When" do you sell equities during Retirement?
- Replies: 29
- Views: 4524
Re: "When" do you sell equities during Retirement?
I sell what I need for expenses, typically twice a year. I decide what to sell to return my Asset Allocation (AA) to my target AA.
This automatically solves the "when to sell" dilemma, which helps with behavioral errors. When stocks are down I am naturally overweighted in bonds, so I sell (more) bonds. When stocks are up I am overweighted in stocks so I sell more stocks. In a flat market I sell nominally a proportional amount of each.
This automatically solves the "when to sell" dilemma, which helps with behavioral errors. When stocks are down I am naturally overweighted in bonds, so I sell (more) bonds. When stocks are up I am overweighted in stocks so I sell more stocks. In a flat market I sell nominally a proportional amount of each.
- Sat Mar 02, 2024 4:37 pm
- Forum: Investing - Theory, News & General
- Topic: Why is 60/40 the benchmark?
- Replies: 25
- Views: 3464
Re: Why is 60/40 the benchmark
If I had to pick one key person for the popularization of 60/40 it would be Peter Bernstein, article in the link above.Lastrun wrote: ↑Sat Mar 02, 2024 2:30 pmBill or Peter?
Here is an old article of inerest: https://www.safalniveshak.com/wp-conte ... Y2fQ%3D%3D
- Sat Mar 02, 2024 4:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Open Social Security Question: When It Says to Take Benefits
- Replies: 22
- Views: 2427
Re: Open Social Security Question: When It Says to Take Benefits
It would be a lot easier decision if the expiration date was printed on the container…
- Sat Mar 02, 2024 1:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Open Social Security Question: When It Says to Take Benefits
- Replies: 22
- Views: 2427
Re: Open Social Security Question: When It Says to Take Benefits
For singles, Social Security is almost actuarially neutral on claiming date with average life expectancies. You can get a smaller amount for more months or a larger amount for fewer months.
(It is more finite for married couples because of the way survivor’s benefits are determined)
(It is more finite for married couples because of the way survivor’s benefits are determined)
- Sat Mar 02, 2024 10:56 am
- Forum: Personal Investments
- Topic: How to Get Roth IRA Out of Wells Fargo Advisors
- Replies: 19
- Views: 1998
Re: How to Get Roth IRA Out of Wells Fargo Advisors
And “yes”, in this day and age a 1.95% Expense Ratio is absurd. This fund has a 1% 12b-1 fee, so they are paying a 1% “kickback” to your advisor every year.
Even if you wanted to be 100% in technology stocks you can get a similar, actively managed fund for perhaps a quarter the price. And a technology index fund would cost a tiny fraction of that amount.
Even if you wanted to be 100% in technology stocks you can get a similar, actively managed fund for perhaps a quarter the price. And a technology index fund would cost a tiny fraction of that amount.
- Sat Mar 02, 2024 10:54 am
- Forum: Personal Investments
- Topic: How to Get Roth IRA Out of Wells Fargo Advisors
- Replies: 19
- Views: 1998
Re: How to Get Roth IRA Out of Wells Fargo Advisors
You can easily move the IRA to another custodian. The recommended process is to work with the custodian receiving the IRA, as they have the incentive to make sure things go smoothly.
Low cost, full service brokerages often mentioned here on BH are Fidelity, Schwab and Vanguard (alphabetical order)
Low cost, full service brokerages often mentioned here on BH are Fidelity, Schwab and Vanguard (alphabetical order)
- Thu Feb 22, 2024 7:45 am
- Forum: Personal Investments
- Topic: Has anyone invested in marijuana stocks?
- Replies: 91
- Views: 12836
Re: Has anyone invested in marijuana stocks?
Many states were okay with legalization because they were looking at tax revenue. In a number of states the illegal growers are putting pricing pressure on the legal growers because the illegal growers do not have that tax burden.
- Sat Feb 17, 2024 5:04 pm
- Forum: Personal Investments
- Topic: Is it Too Late to Invest in VTI?
- Replies: 130
- Views: 20967
Re: Is it Too Late to Invest in VTI?
Actually, that is, by definition, the US stock market. Apple and Microsoft represent 12% of market capitalization. Tech represents 31% of market capitalization.
You can choose not to like the composition of the market, but it is still the market regardless of your preferences.
- Thu Feb 15, 2024 8:37 am
- Forum: Investing - Theory, News & General
- Topic: Any studies to refute dividend yield & chill?
- Replies: 161
- Views: 12301
Re: Any studies to refute dividend yield & chill?
….but other than that, how was the play Mrs. Lincoln?nisiprius wrote: ↑Thu Feb 15, 2024 8:16 amSo I take for granted that dividends are not free money, dividend stocks are not Just Plain Better than average, that spending dividends is no different from withdrawing the same amount of capital... and that "spend the dividends" doesn't look like a good automatic withdrawal rule.
- Fri Feb 09, 2024 10:08 am
- Forum: Personal Investments
- Topic: Second to die Insurance
- Replies: 17
- Views: 1491
- Sat Feb 03, 2024 4:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Wire Fraud in Real Estate Transaction - What Next?
- Replies: 122
- Views: 14455
Re: Wire Fraud in Real Estate Transaction - What Next?
And if you are in a "one-party" state, I would record every interaction.Retired IMH wrote: ↑Sat Feb 03, 2024 4:01 pm I would add one simple piece of advice that you have hopefully already been practicing, which is to take contemporaneous notes on every interaction related to this incident. Especially any in-person meetings or phone calls. As soon as the call or meeting ends, write what happened down with the date and time. Keep everything in a binder of some sort until you are made 100% whole.