So, basically, in line with target date funds, add some TIPS when your stock allocation goes below 50%.In the earlier stages of an investor's life cycle, wage increases and higher real-returning assets such as equities can hedge against inflation. But as an investor nears and enters retirement, it becomes much more difficult to add to a portfolio through additional earnings. In these later stages, the risk of inflation becomes pronounced enough to warrant including tools that provide direct inflation protection.
Search found 3274 matches
- Sun Jan 07, 2024 12:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: When Should TIPS Enter One’s Portfolio?
- Replies: 16
- Views: 2704
Re: When Should TIPS Enter One’s Portfolio?
According to Vanguard:
- Fri Dec 29, 2023 10:09 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5833
- Views: 591141
- Sat Dec 16, 2023 2:33 pm
- Forum: Investing - Theory, News & General
- Topic: Bring back Vanguard Total Return Charts!
- Replies: 11
- Views: 1581
Re: Bring back Vanguard Total Return Charts!
Click the compare button, there’s a ‘growth of $10,000’ chart there.
- Wed Dec 06, 2023 4:15 pm
- Forum: Personal Investments
- Topic: Transitioning from FSKAX to ETFs - Seeking Advice
- Replies: 11
- Views: 1659
Re: Transitioning from FSKAX to ETFs - Seeking Advice
According to Morningstar, FSKAX has a better 3-year tax cost ratio than two of the most often mentioned total-market ETFs.
FSKAX: 0.43
VTI: 0.48
ITOT: 0.60
FSKAX: 0.43
VTI: 0.48
ITOT: 0.60
- Sat Jul 16, 2022 3:07 pm
- Forum: Personal Consumer Issues
- Topic: Classical music streaming service
- Replies: 47
- Views: 4162
Re: Classical music streaming service
+1 for IDAGIO. It’s by far the best paid service for classical music. Or, if you’re just looking for a radio station type of streaming, I also like Venice (Italy) Classic Radio at https://www.veniceclassicradio.eu/en/index.php
- Mon Jun 06, 2022 9:32 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard servers down????
- Replies: 17
- Views: 1591
Re: Vanguard servers down????
I was able to log in at 10:30 pm Eastern time. But, it only showed my balance - luckily correct - and nothing else, no other links or tabs or anything on the page other than the balance number and a 'log off' button.
- Sun May 22, 2022 11:14 pm
- Forum: Investing - Theory, News & General
- Topic: What broker to open account?
- Replies: 20
- Views: 2474
- Thu May 05, 2022 10:58 am
- Forum: US Chapters
- Topic: NE Ohio (Cleveland Area) Master Thread
- Replies: 255
- Views: 139862
Re: NE Ohio (Cleveland Area) Master Thread
Count me in on resuming our meetings.
- Tue Apr 12, 2022 8:41 am
- Forum: Personal Investments
- Topic: Burned by Paul Merriman Advice
- Replies: 242
- Views: 30708
Re: Burned by Paul Merriman Advice
Some of Larry Swedroe's best advice: Don't confuse strategy with outcome.
https://web.archive.org/web/20121129173 ... t-outcome/
https://web.archive.org/web/20121129173 ... t-outcome/
- Thu Apr 07, 2022 8:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: How quickly did you receive your 2020 tax refund?
- Replies: 437
- Views: 50287
Re: How quickly did you receive your 2020 tax refund?
Check dated April 1.VanGar+Goyle wrote: ↑Thu Apr 07, 2022 6:30 pmWhen was the IRS check dated? The check delay was after processing, so could have been IRS or US Post Office issue.CyberBob wrote: ↑Wed Apr 06, 2022 3:13 pm Exactly 1 year.
Submitted and accepted electronically April 6, 2021.
"Processed" April 26, 2021 (according to transcript).
Received check in the mail April 6, 2022.
No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year
Did they pay you the 3% interest for the entire year?
3% interest from the processed date to April 1.
- Thu Apr 07, 2022 4:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Still no 2020 IRS refund?
- Replies: 56
- Views: 4898
Re: Still no 2020 IRS refund?
My refund took exactly 1 year
E-filed and accepted April 6, 2021.
Received check in the mail April 6, 2022.
No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year
E-filed and accepted April 6, 2021.
Received check in the mail April 6, 2022.
No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year
- Wed Apr 06, 2022 3:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: How quickly did you receive your 2020 tax refund?
- Replies: 437
- Views: 50287
Re: How quickly did you receive your 2020 tax refund?
Exactly 1 year.
Submitted and accepted electronically April 6, 2021.
"Processed" April 26, 2021 (according to transcript).
Received check in the mail April 6, 2022.
No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year
Submitted and accepted electronically April 6, 2021.
"Processed" April 26, 2021 (according to transcript).
Received check in the mail April 6, 2022.
No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year
- Sat Mar 05, 2022 3:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Form 1116 Foreign Tax Credit Question
- Replies: 25
- Views: 2075
Re: Form 1116 Foreign Tax Credit Question
I forgot to mention that using form 1116 our tax credit would be only $486 this year. So by claiming the $600 max credit allowed without filing the 1116 we would come out $114 ahead this year. That's why you have to fill out the form 1116. The $300/$600 limits are sort of freebies from complexity for smaller amounts, but don't reflect how the actual credit amount is calculated. The actual foreign tax credit may be less than those because it is actually defined as: Your foreign tax credit cannot be more than your total U.S. tax liability multiplied by a fraction. The numerator of the fraction is your taxable income from sources outside the United States. The denominator is your total taxable income from U.S. and foreign sources. (IRS Public...
- Wed Jan 26, 2022 1:42 pm
- Forum: Investing - Theory, News & General
- Topic: nice article today....HumbleDollar
- Replies: 8
- Views: 2625
Re: nice article today....HumbleDollar
The mention of Rip Van Winkle in the article reminded me of the Jason Zweig Money magazine article where Jack Bogle and Bill Bernstein both suggested portfolios that you could hold for 20 years without changing.
The Rip Van Winkle Portfolio
The Rip Van Winkle Portfolio
- Tue Jan 25, 2022 11:08 am
- Forum: Investing - Theory, News & General
- Topic: 33/33/33 is the new 60/40 ?
- Replies: 48
- Views: 8395
Re: 33/33/33 is the new 60/40 ?
I assumed it was going to be equal thirds of domestic stock, international stock, and bonds.
That would be a fine portfolio and has even been recommended by Bill Bernstein in “If You Can”, and Andrew Tobias in “The only Investment Guide You’ll Ever Need.”
But, instead, the recommended third in venture capital and private equity and debt seems more like a pitch for something with a high commission.
That would be a fine portfolio and has even been recommended by Bill Bernstein in “If You Can”, and Andrew Tobias in “The only Investment Guide You’ll Ever Need.”
But, instead, the recommended third in venture capital and private equity and debt seems more like a pitch for something with a high commission.
- Thu Jan 13, 2022 2:24 pm
- Forum: Personal Consumer Issues
- Topic: Dishwashing Detergent for Softened Water
- Replies: 9
- Views: 3826
Re: Dishwashing Detergent for Softened Water
It’s not the detergent so much as the amount of it. We solved our etching problem with soft water simply by using less detergent. Forget the pacs, as they are too much. We also use Cascade and Finish, but never more than half (or less) of the recommended amount. No problems getting dishes clean.
- Mon Jan 10, 2022 12:26 pm
- Forum: Investing - Theory, News & General
- Topic: Treasury Department says IRS likely overwhelmed and refunds could be delayed
- Replies: 150
- Views: 20140
Re: Treasury Department says IRS likely overwhelmed and refunds could be delayed
Electronic filing didn’t help in my case. Over 9 months and counting for my 2020 return.
Some services will be down due to planned maintenance until January 22nd too.
I’m beginning to think I’ll be filing for 2021 before I get my 2020 return
- Sun Dec 26, 2021 11:52 am
- Forum: Personal Consumer Issues
- Topic: Computer mouse suggestions
- Replies: 40
- Views: 3151
Re: Computer mouse suggestions
Logitech MX Master 3
Vertical and horizontal scroll wheels
4,000 DPI resolution
Electromagnetic scrolling up to 1,000 lines a second
Windows 10 or 11: https://www.logitech.com/en-us/products ... ter-3.html
Mac 10.15+: https://www.logitech.com/en-us/products ... 05693.html
Vertical and horizontal scroll wheels
4,000 DPI resolution
Electromagnetic scrolling up to 1,000 lines a second
Windows 10 or 11: https://www.logitech.com/en-us/products ... ter-3.html
Mac 10.15+: https://www.logitech.com/en-us/products ... 05693.html
- Fri Dec 24, 2021 9:48 am
- Forum: Personal Consumer Issues
- Topic: If you lost your phone, how quickly can you get it replaced (to use 2FA).
- Replies: 22
- Views: 2484
Re: If you lost your phone, how quickly can you get it replaced (to use 2FA).
If you have a newer iPhone, it has e-sim capability. So without needing a physical sim, replacement is essentially instantaneous once you have new hardware in hand.
- Tue Nov 23, 2021 10:37 pm
- Forum: Personal Investments
- Topic: Will China stocks stop performing poorly?
- Replies: 16
- Views: 3084
Re: Will China stocks stop performing poorly?
“ The reason to avoid China's equity markets can be summarized in one word: dilution.
The best estimates are that the Chinese equity markets dilute their share pools on the order of about 20% per year, so even if the country is growing its GDP and corporate profits at slightly less than 10% pa, they can't keep up on a per-share basis.
This is borne out by the MSCI China index, which since 12/31/92 has had a total return of 1.6% in nominal dollar terms, or less than zero in real terms.
The problem, of course, is that if you're indexing Emerging Markets, there's no way to avoid the country's ~30% weighting in most indexes. ”
— Bill Bernstein
viewtopic.php?p=5261908#p5261908
The best estimates are that the Chinese equity markets dilute their share pools on the order of about 20% per year, so even if the country is growing its GDP and corporate profits at slightly less than 10% pa, they can't keep up on a per-share basis.
This is borne out by the MSCI China index, which since 12/31/92 has had a total return of 1.6% in nominal dollar terms, or less than zero in real terms.
The problem, of course, is that if you're indexing Emerging Markets, there's no way to avoid the country's ~30% weighting in most indexes. ”
— Bill Bernstein
viewtopic.php?p=5261908#p5261908
- Fri Nov 19, 2021 10:07 pm
- Forum: Personal Investments
- Topic: How much did I lose in ten years by not being 100 percent s&p index?
- Replies: 111
- Views: 10875
Re: How much did I lose in ten years by not being 100 percent s&p index?
Larry Swedroe’s best advice: “Don’t confuse strategy and outcome.”
https://web.archive.org/web/20121129044 ... t-outcome/
https://web.archive.org/web/20121129044 ... t-outcome/
- Tue Nov 16, 2021 6:11 pm
- Forum: Personal Consumer Issues
- Topic: Best place/time to view the Northern Lights
- Replies: 26
- Views: 2654
- Tue Nov 02, 2021 9:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Still waiting on tax refund in late August
- Replies: 34
- Views: 3443
Re: Still waiting on tax refund in late August
E-filed first week of April, so 7 months and counting for me …”Your return is still being processed”. So much for e-file being faster.
At least, under my IRS account, it shows zero owed by me, which is correct, so they aren’t badgering me about payment. Unfortunately, there doesn’t seem to be much we can do to badger them about payment.
- Mon Oct 25, 2021 11:24 am
- Forum: Personal Consumer Issues
- Topic: What defines a sports car?
- Replies: 18
- Views: 1452
Re: What defines a sports car?
I had a Ford EXP back in 1982. It had the same platform and powertrain as a Ford Escort. My insurance company priced the Escort insurance cheaply as it was a 'compact sedan' in their eyes. My EXP, again with the exact same powertrain, was priced for insurance as a 'sports car' for the sole reason that it was a two seater.
- Tue Oct 12, 2021 6:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS - 2020 return not processed
- Replies: 16
- Views: 1966
Re: IRS - 2020 return not processed
E-filed April 6, so over 6 months and counting for me.
- Sat Oct 09, 2021 5:11 pm
- Forum: Investing - Theory, News & General
- Topic: How much of your portfolio is indexed?
- Replies: 72
- Views: 6843
Re: How much of your portfolio is indexed?
98% index mutual funds
2% money market mutual fund
2% money market mutual fund
- Sun Oct 03, 2021 10:47 pm
- Forum: Personal Consumer Issues
- Topic: What’s your favorite web browser…and why?
- Replies: 51
- Views: 5968
Re: What’s your favorite web browser…and why?
- Sat Oct 02, 2021 2:51 pm
- Forum: Investing - Theory, News & General
- Topic: Benz on simple investing strategy
- Replies: 18
- Views: 3605
Re: Benz on simple investing strategy
I recently happened upon one of her previous articles entitled Simplify Your Investment Plan where she mentions that The Bogleheads' "Three-Fund Portfolio" is the ultimate in elegant minimalism.
- Mon Sep 06, 2021 4:08 pm
- Forum: Investing - Theory, News & General
- Topic: Globalizing the SP 500
- Replies: 4
- Views: 988
- Mon Aug 30, 2021 3:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Still waiting on tax refund in late August
- Replies: 34
- Views: 3443
Re: Still waiting on tax refund in late August
Similar situation for me, over 5 months! and counting.pshonore wrote: ↑Mon Aug 30, 2021 2:53 pm I e-filed my return on 4-16-21. It was accepted the same day. Where's my refund says "Your tax return is still being processed - A refund date will be provided when available". Its a fairly simple return with 1099R and SS Income. Standard deduction. I can understand delays with mail in returns but this just seems very odd. Can you imagine a bank or other financial institution trying to get away with such behavior?
So much for e-filing being faster.
I see now that my mistake was requesting a refund. Instead, I should have had the money put towards next years taxes. Then I wouldn’t have cared how long it took.
- Thu Jul 22, 2021 2:37 pm
- Forum: Investing - Theory, News & General
- Topic: "Target-Date Deep Dive: Vanguard" by Morningstar
- Replies: 55
- Views: 7059
Re: "Target-Date Deep Dive: Vanguard" by Morningstar
https://www.morningstar.com/articles/10 ... e-fidelity
Although, for ‘deep dives’, they seem pretty superficial to me.
- Mon Jul 12, 2021 10:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Finally Settled On 60/40 VT/BND
- Replies: 19
- Views: 3201
Re: Finally Settled On 60/40 VT/BND
That’s the exact portfolio recommended by Charles Ellis and Burton Malkiel in their book The Elements of Investing.
And here’s a Kiplinger article on that two-fund portfolio.
And here’s a Kiplinger article on that two-fund portfolio.
- Fri Jun 18, 2021 2:22 pm
- Forum: Personal Consumer Issues
- Topic: Favorite Movies - Name Five
- Replies: 277
- Views: 24220
Re: Favorite Movies - Name Five
The Nun’s Story
Forbidden Planet
The African Queen
Alien
Almost Famous
Forbidden Planet
The African Queen
Alien
Almost Famous
- Wed Jun 02, 2021 3:48 pm
- Forum: Investing - Theory, News & General
- Topic: Warren Buffet 90/10 portfolio (why S&P 500?)
- Replies: 41
- Views: 6295
Re: Warren Buffet 90/10 portfolio (why S&P 500?)
It sometimes seems that half the posts here are about how much to put in large-cap, or small-cap, or how much in international. Buffett doesn't seem to think it's necessary - or wise - to even go down that rabbit hole at all.JoMoney wrote: ↑Wed Jun 02, 2021 3:39 pmGood clip.CyberBob wrote: ↑Wed Jun 02, 2021 2:53 pm Buffett mentions his reasoning in this video: https://www.youtube.com/watch?v=wSIXEXIFWgY@4:15
"...I would probably use the S&P 500. I think as soon as you get beyond that you start starting to think you should be in small caps this time, and large caps that time, or this foreign stock, and as soon as you do that you're in a game you don't know, you're not equipped to play in all candor. That would be my recommendation. "
- Wed Jun 02, 2021 2:53 pm
- Forum: Investing - Theory, News & General
- Topic: Warren Buffet 90/10 portfolio (why S&P 500?)
- Replies: 41
- Views: 6295
Re: Warren Buffet 90/10 portfolio (why S&P 500?)
Buffett mentions his reasoning in this video: https://www.youtube.com/watch?v=wSIXEXIFWgY
- Mon Mar 15, 2021 6:17 pm
- Forum: Investing - Theory, News & General
- Topic: 90% of the topics here discussed by Buffet and Munger in 6 minutes
- Replies: 6
- Views: 2196
Re: 90% of the topics here discussed by Buffet and Munger in 6 minutes
And, interestingly, Buffett seems to finally give some explanation as to why he always recommends the S&P 500 versus the total market.
- Wed Mar 10, 2021 3:23 pm
- Forum: Personal Consumer Issues
- Topic: Selling or Trading in an Old Computer
- Replies: 27
- Views: 2908
Re: Selling or Trading in an Old Computer
Turn on FileVault disk encryption, Then do this:
What to do before you sell, give away, or trade in your Mac (Apple Support)
When you get to the part about erasing your disk, you'll be erasing an encrypted disk, so no worries.
What to do before you sell, give away, or trade in your Mac (Apple Support)
When you get to the part about erasing your disk, you'll be erasing an encrypted disk, so no worries.
- Thu Mar 04, 2021 10:05 am
- Forum: Personal Finance (Not Investing)
- Topic: Amend tax return? Owe $1
- Replies: 22
- Views: 3120
Re: Amend tax return? Owe $1
Is it $1 or less than $1?
From the 1040 instructions:
Amount Overpaid
If line 34 is under $1, we will send a refund only on written request.
Amount You Owe
You don’t have to pay if line 37 is under $1.
From the 1040 instructions:
Amount Overpaid
If line 34 is under $1, we will send a refund only on written request.
Amount You Owe
You don’t have to pay if line 37 is under $1.
- Sat Feb 27, 2021 11:40 am
- Forum: Non-US Investing
- Topic: What is an asset?
- Replies: 39
- Views: 3204
Re: What is an asset?
I've always liked Yale University portfolio manager David Swensen's definition:
- Core asset classes contribute basic, valuable, differentiable characteristics to an investment portfolio.
- Core holdings rely fundamentally on market-generated returns, not on active management of portfolios.
- Core asset classes derive from broad, deep, investable markets.
- Sun Feb 14, 2021 3:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Foreign Tax Credit: Can I elect to limit to $600 MFJ to avoid Form 1116??
- Replies: 24
- Views: 5232
Re: Foreign Tax Credit: Can I elect to limit to $600 MFJ to avoid Form 1116??
It would be in the IRS favor (by $10). But getting that extra $10 is not the purpose of Form 1116. The purpose is to figure out how much of a credit you are actually entitled to. It could be significantly less than $610. There is a limit on the credit. I get hosed out of some of the credit almost every year since my foreign dividends are a relatively high portion of an otherwise low tax liability. The $300/$600 limits are sort of freebies from complexity, but the actual foreign tax credit is defined as: Limit on the Credit Your foreign tax credit cannot be more than your total U.S. tax liability (Form 1040 or 1040-SR, line 12a and Schedule 2 (Form 1040 or 1040-SR), line 2) multiplied by a fraction. The numerator of the fraction is your tax...
- Mon Feb 08, 2021 10:23 pm
- Forum: Investing - Theory, News & General
- Topic: Why use anything but treasuries?
- Replies: 48
- Views: 9003
Re: Why use anything but treasuries?
DJZ is likely referring to the fact that unlike treasuries, corporates also have default risk, lower liquidity, call risk, etc.
- Mon Feb 08, 2021 4:21 pm
- Forum: Personal Consumer Issues
- Topic: Men, Where do you Carry Your Cell phone?
- Replies: 16
- Views: 2191
Re: Men, Where do you Carry Your Cell phone?
Same here.Rainmaker41 wrote: ↑Mon Feb 08, 2021 4:13 pm Phone goes in my front left pocket. Keys and wallet go in my front right pocket.
Phone is an iPhone 12 Mini, wallet is a Distil Union Wally Micro.
- Mon Feb 08, 2021 1:12 pm
- Forum: Personal Investments
- Topic: US/Int'l Index ratio?
- Replies: 50
- Views: 4526
Re: US/Int'l Index ratio?
The answer is 72/28 PlateVoltage figured this out a few years ago using numbers from the U.S. Treasury. His original post: There isn't a single efficient frontier for the entire world. Investors seek to optimize real, after-tax returns in their home currency. Since each country has its own inflation rate, its own tax laws, and its own currency, each country also has its own efficient frontier. Perhaps instead of adopting the US/ international ratio of the global market, we should adopt the ratio of our fellow countrymen. By my calculations, US investors have adopted a 68/32 US/ international ratio. I'm currently 2:1, so that's pretty close I'm using year-end numbers for 2017. US market cap was $27.4 trillion: http://www.crsp.com/fact-sheet...
- Sat Feb 06, 2021 6:20 pm
- Forum: Personal Investments
- Topic: US/Int'l Index ratio?
- Replies: 50
- Views: 4526
Re: US/Int'l Index ratio?
The answer is 72/28 PlateVoltage figured this out a few years ago using numbers from the U.S. Treasury. His original post: There isn't a single efficient frontier for the entire world. Investors seek to optimize real, after-tax returns in their home currency. Since each country has its own inflation rate, its own tax laws, and its own currency, each country also has its own efficient frontier. Perhaps instead of adopting the US/ international ratio of the global market, we should adopt the ratio of our fellow countrymen. By my calculations, US investors have adopted a 68/32 US/ international ratio. I'm currently 2:1, so that's pretty close I'm using year-end numbers for 2017. US market cap was $27.4 trillion: http://www.crsp.com/fact-sheet-...
- Thu Feb 04, 2021 6:38 pm
- Forum: Personal Consumer Issues
- Topic: Cash vs. Credit
- Replies: 189
- Views: 13702
Re: Cash vs. Credit
I actually used cash tonight for the first time in months. I had eleven dollar bills in my wallet from can and bottle redemptions and it had become big. I picked up pizza and the shop charges an extra fifty cents for credit cards, so I figured rather than putting them into an ATM, I'd just unload them for pizza. I also went to a local Mom-and-Pop pizza place recently and held out a $20 bill in one hand and a Visa card in the other and asked whether they preferred paper or plastic. (This was the owner, not just an average worker bee). I figured there would be a preference for paper if they wanted to avoid the credit card surcharge, or a preference for plastic if they didn't want to get cooties from the paper money. Interestingly, the owner ...
- Mon Jan 25, 2021 11:53 am
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 1177
- Views: 205677
Re: Year 2000 retirees using the '4% rule' - Where are they now?
If the "Cashflows" box is set to "Withdraw Fixed Amount", then two boxes below that will be the "Inflation Adjusted" option.
- Wed Jan 06, 2021 6:06 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Mang Allocation VPGDX Distribution Question
- Replies: 7
- Views: 1214
Re: Vanguard Mang Allocation VPGDX Distribution Question
My preference is to make your own 'managed payout' portfolio (so only you make the changes to the portfolio, not somebody in the marketing department)
- Buy some funds (money market, bonds, a stock fund or two)
- Take the withdrawal rate your are using and put that much of your portfolio in the money market fund
- Set up an automatic transfer from the money market fund for 1/12 of the total to your bank checking account every month
- Badda, bing! Managed payout and a 'paycheck' every month
- Have dividends go to the money market fund, which minimizes sale amounts required each year
- Rebalance/repeat next year
- Wed Jan 06, 2021 5:53 pm
- Forum: Personal Consumer Issues
- Topic: iphone 12 pro max review
- Replies: 7
- Views: 1059
Re: iphone 12 pro max review
I agree with the review that the iPhone 12 Pro Max is awesome if you like big phones. I got one thinking that the bigger phone would make having an iPad 'less essential'. And if I could eliminate one device, it would simplify things, leaving me with just the big Pro Max and an iMac desktop for when I really needed screen real estate. (I don't travel, so a laptop isn't a necessity for me). But, after seven weeks of having the iPhone 12 Pro Max, I actually sold it and replaced it with an iPhone 12 Mini! No, really, I'm not ready for a room with rubber wallpaper. The OP's 6S Plus only has a 5.5 inch screen. So the Mini, with a 5.4 inch screen, really isn't that mini, only the physical size is mini. No 'chin' and 'forehead' bezels, so it's all ...
- Fri Dec 11, 2020 5:55 pm
- Forum: Personal Investments
- Topic: FSKAX down 1.43% today?
- Replies: 23
- Views: 2859
Re: FSKAX down 1.43% today?
Log in to your Fidelity account and click on the Positions tab. The flag icon next to a fund indicates a notification. Click on the flag to see all the details of any distributions.
- Fri Dec 11, 2020 5:23 pm
- Forum: Personal Consumer Issues
- Topic: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
- Replies: 107
- Views: 8057
Re: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
You can also turn on WiFi calling under Settings -> Phone if you have good WiFi in your house.Ron Ronnerson wrote: ↑Fri Dec 11, 2020 11:58 amI can second this and happily so! It was a great surprise as we now get a great signal throughout the house, something that had previously been an issue.02nz wrote: ↑Fri Dec 11, 2020 9:05 am
BTW, I had an iPhone 11 and recently upgraded to the 12, mainly because the 4G reception is so much better on the 12. Apple switched from Intel to Qualcomm modems for the 12, and it makes a huge difference. All the dead spots are gone. Everybody talks about 5G, but improved 4G LTE reception is actually the best reason to upgrade to the 12!