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My Sweet Retirement SIA Shares Price: Dividend Yield and Should I Buy Now? The SIA shares price sits at around S$6.55 as of 21 September 2026. Since the SIA shares price changes throughout each trading day, I always check the live quote on SGX or my broker before … SIA Shares Price: Dividend Yield and Should I Buy Now? My Sweet Retirement
Don’t miss an episode of our podcast, Personal Finance for Long-Term Investors. Available on all podcast players. Here’s the latest episode: Small change, giant impact. One challenge in financial planning is when a “small” decision creates much bigger than we assumed. “End of Plan” is one such decision. Some planning software might call it “planning horizon” or “life expectancy” or any number of other euphemisms for “when might you die?” Yes, death is scary to consider. And it’s obvious how our lifespan affects our finances. The longer we live, the more money we need to live a successful retirement. But there’s so much more! If you’ve ever dabbled with financial planning software (Boldin, Pralana, eMoney, RightCapital, Empower, etc.), you might be unaware of the unintended side effects that “age at death” is creating in your plan. Defining the “Problem”… The (frequent) “problem” I witness follows this logic: Running out of money is a scary idea. I don’t want to underestimate when we’ll die. I’ll overestimate instead…I’ll live until 90. My wife, 95. Boom. I’ve “solved” the problem of running out of money. [Narrator: But they were completely unaware of the unintended side effects…] I agree that it’s important to “stress test” whether you’ll run out of money. Changing your assumed age of death is a good idea. But what else are people missing? Let’s dive into what people often miss. Side Effect 1: Social Security Claiming Extending your End of Plan to age ~85+ almost assuredly pushes your Social Security claiming strategy out to age 70. If you live a long time, you wouldn’t want to claim Social Security early. This one is straightforward. In fact, it might be less of an “unintended side effect” and more of a “known headliner.” Plenty of couples should be claiming Social Security before 70 — at least for one of the two spouses. But if you model your End of Plans out at 85, 90, etc., then the planning software might encourage you both to delay until age 70. Side Effect 2: Roth Conversions Roth conversions are tricky. Decades of unknowns lie ahead, and you need to account for them in today’s Roth conversion math. It’s a gray area. Nevertheless, what’s the effect of assuming someone lives until age 95? The main effect is that said person would have 20+ years of required minimum distributions, the last of which would be more than 10% of their account value. These RMDs would push this person into higher and higher tax brackets, likely making present-day Roth conversions more and more attractive. Said succinctly: later death = more Roth conversions today. But if that same person dies at 75? Roth conversions might be outright bad. If they die at 80? Perhaps much smaller Roth conversions would be appropriate. The choice of modeling death at age 85, 90, or 95 can encourage
This long box has a butterfly clasp lid and can hold 300 comics. Image source: Amazon This post includes affiliate links. If you purchase anything through these affiliated links, the author/website may earn a commission. Here’s the hard truth: without proper storage, even the most valuable comics can warp, fade, or tear over time. Whether you’re safeguarding a vintage Amazing Spider-Man or your latest indie gem, the right short and long boxes are essential for […]
You’ve decided to buy a house. Congratulations! Now comes the hard part. Buying a home in Jamaica can be exciting, but if this is your first time doing it, the process can also feel overwhelming. Between finding the property, getting a mortgage, paying closing costs, dealing with lawyers, valuations, surveys and trying to figure out exactly how much house you can actually afford, there is a lot to think about. I bought my first home […]
12 Ways to Reduce the Cost of Moving Interstate Moving interstate is one of those costs that sneaks up on people. A quote arrives, it says three and a half thousand dollars, and suddenly the fresh start feels expensive before it has begun. Here is the part worth knowing: most of that number is negotiable, […] The post How to Move Interstate Without Blowing the Budget: 12 Ways to Cut Costs appeared first on The […]
Homeownership has felt out of reach for many but with recent changes and some knowledge, it might be easier than you think. Anish Puri from Perth founded NestPath which is free and can help you with everything you need to get into the property market. What is your side hustle? NestPath is a free education […] The post Tips For First Home Buyers from NestPath appeared first on The Thrifty Issue.
WiseStacker Where to Buy Non VBV Data in 2026: What Non VBV Bin Security Means Where to Buy Non VBV Data & What Non VBV Bin Security Means The phrase “non VBV” gets used like it describes something permanent about a card. It does not. In 2026 the meaning has drifted, and the places people source these ranges are not the same as they were even a year ago. This guide breaks down what non […]
Earlier this month, news broke that somebody was selling scans of more than 153 million drivers licenses. It appears that it’s the result of a breach at a company (IDscan.net) that provides ID scanning services for other businesses, such as Hertz car rental, Target, and FedEx. This is up there with the 2017 Equifax breach in terms of total number of people affected (i.e., almost half the U.S. population). It’s depressing/infuriating that we have so […]
I’m excited to share that I’ve joined one of the fastest-growing, most forward-thinking independent financial planning firms in Upstate NY. Not just as an advisor, but as a partner, as an owner. I’m happy to share that I’ve joined Rialto Wealth. I’m incredibly excited about the change. Rialto’s philosophy aligns perfectly with what I share with you every week. A focus on detailed, long-term retirement planning. Keeping investing simple and low-cost. Fiduciary and fee-only. Not only serving our clients, but educating them. …but I’m anxious about the change, too. With two girls under two years old at home, this isn’t the simple path, per se. I’m making this big change, in large part, because my wife Kelly believes in me. She is not a mere “rockstar” or “hero,” but much more than that. Thank you, Kell! Our elder daughter loving on Sadie. Why the Change?! Why the change, though? I have a few important reasons. Clients need to trust their advisor. Staying independent is important to me. Especially since that’s the commitment I’ve made to my clients for many years. Rialto Wealth has no shareholders, no private equity ownership. We are 100% employee-owned. There’s no incentive to push proprietary products, no far-away owners pressuring us on quotas. Financial planners can bring a lot of expertise to their clients – but that comes after a deliberate choice: putting service above sales. Complex investments sound sexy, I know. But did cigarettes (at least, for many decades). Not coincidentally, both have similar results: higher long-term costs and worse long-term outcomes. While some advisors push fancy, complex products on unsuspecting clients, the fact remains that simplicity beats complexity. I’d much rather follow Jason Zweig’s second way of making a living: “Tell the truth to those who want the truth.” (I’ll let you look up the first way.) I’m excited to keep my client count smaller, to focus more energy on each client. While working with hundreds of clients might increase profit margins, I’m fine with sacrificing some profit margin to better serve clients. Rialto’s philosophy emphasizes our clients and our employees. Good things will follow. Who Makes a “Good” Client? Rialto isn’t a perfect fit for every potential client. Our ideal clients see their world this way: Retirement is the big, audacious goal. It might mean you’re retired. It might mean you hope to retire in 2 or 5 or 10 years. But retirement is the big goal you’re planning for. Investing and planning – both are vital. Retirement brings many interesting conversations about withdrawal strategies, income and tax planning, Social Security, healthcare and Medicare, IRMAA, and RMDs. If you have these questions, we’re a good fit. Our clients want an ongoing, year-over-year relationship. They are not looking for a one-time thought partner. Our ideal clients buy into a low-cost, academically rigorous investment philosophy. If you want your advisor to beat the
It may still be warm outside and Christmas might feel a long way off, but if you want to make the holidays a little easier on your budget, now is actually the perfect time to start. And I’m not talking about buying Christmas gifts in the summer or putting yourself on a strict no-spend challenge. I’m talking about taking a good look at the things to stop buying before the holidays so you can free up some […]
Whenever someone asks how much it costs to homeschool, I never quite know how to answer. Because technically? You could homeschool for very little. There are free resources online, libraries full of books, used curriculum sales, hand-me-down materials, and approximately 47 pencils hiding somewhere in my house at any given moment. For years, we’ve used the free curriculum from The Good and The Beautiful (highly recommend it). But that’s not really how I think about […]
It’s hard to believe that September is almost here! Here’s your friendly reminder to get your September budget ready pronto – and don’t forget to include these potential expenses in your September budget! The post THREE IMPORTANT EXPENSES TO INCLUDE IN YOUR SEPTEMBER BUDGET appeared first on a life on a dime.