I say focus on Roth converting to reduce those RMDs, and don't worry so much about the I bonds. 401K withdrawals are the real poison for you, since 100% of the withdrawal incurs ordinary income tax. I kinda agree with Kbg and others who have said they expect both federal and state tax rates to go u...

Because of how many savings bonds I have (relative to other assets, that is) I have come to think of my EE and I-Bonds as sort of separate from my core PP-inspired holdings... almost a different asset class. At age 60 and pretty much retired, I am planning to hold off until age 70 to take SS benefit...

Somebody else posted recently to say that, if you are the type of person who likes to watch the stock market a lot, then there are probably much better strategies that you could be using than the PP -- things like dual momentum, etc. The PP is great for people who get busy with life and may not loo...

Cash in my PP, due to additions from 401k, and dropping of all other assets, has hit 140% of target (14.1% vs. 10% target). I already am not technically following the true PP with a lower cash allocation, obviously. I am now faced with a choice. Do I rebalance now, because of the cash band and stay...

The closer I look, the more I think we will be in the 33% bracket (barely) in 8-10 years, what with RMDs and SS. My wife and I both agree that we would bet on the rates going back up. Why not retire early then? Start living on your taxable savings and start your Roth conversions now in a much lower...

And if you're worried about inflation, even Vanguard's Treasury money market is not a bad deal, provided you can meet the minimum. I have my core cash there. dualstow, can you tell me what the expense ratio is on that Vanguard fund? Was reading up on a similar fund at Fido but it seemed expensive. ...

I have a 5 year CD coming due that paid me 2% interest. Where would be a good place to roll this into right now? How about 2-year treasury notes. Check out the treasury yield curve here: https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield I've ju...

Just jumping in to say that not all recessions are deflationary. One can't necessarily count on bond yields going down (and prices going up) uniformly across a recessionary cycle.

When you reinvest dividends in a mutual fund, you pay the closing price on the date of the distribution. How does that work for reinvesting ETF dividends? I think this link from Investopedia will help: https://www.investopedia.com/articles/investing/112415/how-reinvest-dividends-etfs.asp The whole ...

I'd like to ask one hypothetical question. Let's assume her claim is beyond a doubt proven true. That he did force his body on her, and put his hand over her mouth to prevent screaming from being heard, and was rip-roaring drunk. When he was 17, 30+ years ago. Who thinks that is disqualifying vs. n...

I see, thanks. I've often wondered what the total dollar amount is on all outstanding savings bonds. And with the 20 year doubling guarantee on EE Bonds, I would think the government would want to make the individual annual purchasing limits higher. The implicit message is "Don't ask for your money ...

I will be watching the yield curve and interest rates carefully before the 11/1/18 reset. I think it quite possible that the Treasury will revise the fixed and/or variable I bond rate. Possibly the EE bond rate too, but that seems less likely at the moment. The CPI-U data for February - August woul...