A bond ladder has advantages over a bond fund or ETF. The shorter the time span in which you will liquidate your bond holdings, the more valuable it is.
Latest Blog Posts
How to Buy Treasury Bills & Notes On the Secondary Market
Detailed steps and screenshots for how to buy Treasuries on the secondary market without a fee at Fidelity, Vanguard, Charles Schwab, and Merrill Edge.
When to Stop Buying I Bonds or Cash Out and Buy TIPS
I Bonds are great for the short term but TIPS are better for the long term. Calculate whether the time has come to cash out your I Bond and switch to TIPS.
2022 2023 Tax Brackets, Standard Deduction, Capital Gains, etc.
The tax brackets, standard deduction, and the capital gains tax cutoff point for single and married filing jointly filing statuses will go up in 2023.
2022 2023 401k 403b 457 IRA FSA HSA Contribution Limits
The 2023 contribution limits for 401k/403b/457 plans and Traditional/Roth IRA will go up substantially due to high inflation.
2023 2024 2025 Medicare Part B IRMAA Premium MAGI Brackets
You pay higher Medicare Part B and Part D premiums if your income exceeds certain thresholds. Here are the IRMAA income brackets for 2022 2023, and 2024.
Guide to Money Market Fund & High Yield Savings Account (2023)
The yield on a money market fund adjusts to the current market. You aren’t at the mercy of a bank’s decision to catch up or stay behind.
Calculator: How Much of My Social Security Benefits Is Taxable?
Use this online calculator to see how much of your Social Security benefits is taxable and how much of it is tax-free.
Random Thoughts From a Month-Long Trip to Switzerland
Switzerland has made great achievement in the world as such a small country. What made it so successful and what can we learn from it?
ACA Premium Subsidy Cliff Turns Into a Slope Through 2025
The Inflation Reduction Act extended the ACA premium subsidy cliff to a slope through 2025. The cliff will return in 2026 unless a new law is enacted.