Personal Consumer Issues • Weighing credit card/lounge access options
We have amex plat and don't use lounges enough. i had a extra card on DH, he has the Charles Schwab so it's $495 AF but he travels for work and often sits at the airport waiting for a flight when he...
View ArticlePersonal Investments • IRA-poor?
You keep misstating what was said and then calling your mischaracterization ridiculous. No one said anything about the norm or the top 5%. The actual statement about a "bit low" was:"If a couple has...
View ArticlePersonal Finance (Not Investing) • Liquidating Coin Collection
The other idea I've had is to fly to the nearest biggest coin show and shop them around in a single day.Just a tip from someone who works at coin shows - if you can help it, don't offer the coins to...
View ArticlePersonal Investments • Microsoft stock allocation out of control
.. I have about 30% of my net worth in MSFT stock (around $200k). .. For reference, I'm 24 and mostly focused on long-term investing ..I have 18% of my net worth in Costco stock. I stopped buying COST...
View ArticlePersonal Consumer Issues • Portable monitor recommendations?
I've been using a ViewSonic VG1655 as a second travel monitor for the past year and I like it. Lightweight, can run off a single USB-C cable, easily fits in my laptop bag.Statistics: Posted by...
View ArticlePersonal Investments • Vanguard or Fidelity
DW and I have our assets assets at three places:—TIAA since 1977: mediocre service, but a unique/outstanding investment option—-the Guaranteed Account, which has been our rock and enabled us to sleep...
View ArticlePersonal Finance (Not Investing) • Expense drop 1% per year on retirement?
In the New Retirement youtube, there was a mentioned that a common model is that expense drop 1% per year. When I was poking around in Empower dashboard, it had the same assumption by default. How...
View ArticleInvesting - Theory, News & General • “All About Annuities” by...
A nice discussion of different types of annuities: SPIAs, DIAs, IUL, MYGAs, Buffered annuities.He gives his personal opinions and also talks insurance company ratings and answers questions.Nice to put...
View ArticleInvesting - Theory, News & General • Ramit Sethi on the usefulness of...
Watched some of the Ramit episode referenced in this thread. Really good discussions with that couple. Clearly a need for some financial planner/consulting/one time advisor around minute 15-20 on the...
View ArticlePersonal Finance (Not Investing) • Setting tax withholding - two income,...
I'm annoyed that I have little understanding how the payroll system figure out how much to withhold.Anyway, has anyone managed to get something more sensible out of the withholding system?Pub. 15-T...
View ArticleInvesting - Theory, News & General • Why (or at what YTM) does it make...
==> Additionally, if Mr Market is kind at some point along the way with stock returns, it might opportunistically make sense to backfill replacement rungs to my current 20 year ladder as the years...
View ArticlePersonal Investments • Larry's asset allocation
Larry's (general/broad) recommendations changed a fair amount over the years. Even if you could find some post of his personal portfolio in, say, 2015, it wouldn't necessarily be all that close to his...
View ArticlePersonal Finance (Not Investing) • Is my EF too large??
I have 6 months expenses saved in VMFXX. I consider it my emergency fund. However, my employment contract stipulates that I receive a 16-week notice of non-renewal or early termination. In 2 years,...
View ArticlePersonal Finance (Not Investing) • Roth conversion tax source
Yes, there are good, valid reasons to pay the taxes from your IRA (whether as part of the conversion or a separate transaction). In my case, I want/need to deplete my IRA as fast as possible, due to...
View ArticlePersonal Consumer Issues • Best way to replace windshield with OEM glass?
Howdy gang,Today my windshield was the victim of senseless violence by some seriously disturbed gravel. Regrettably the windshield did not survive. The specialists agreed that heroic measures would be...
View ArticlePersonal Investments • Vanguard is threatening forced transition within 30 days.
I've never used 1099's for estimated tax purposes. I had brokerage accounts at Vanguard for years and was always able to pull what I needed from statements and/or transaction history on the website to...
View ArticlePersonal Finance (Not Investing) • Anyone wished they had worked a few more...
No, retired at 57. Have plenty of other interests.Statistics: Posted by Fat Tails — Sat Jun 15, 2024 1:36 am — Replies 100 — Views 17303
View ArticlePersonal Investments • ETFs
One reason I like ETFs is that you dont get surprise 1099s as one can get with mutual funds. You can have no sales of your shares in a mutual fund and still get a 1099 showing capital gains with...
View ArticlePersonal Investments • HSA Funds Selection
The Vanguard S&P 500 fund would be a popular choice here. The blue chip growth fund would be a less popular choice, given the .58% expense ratio and the Boglehead preference for broad based index...
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Personal Investments • T-Bill yield on 6/20?
I don't know about the person you quotes, but I have a ladder of one-year bills maturing every month as part of my emergency fund.Why do that when MMF are paying more (~5.2%)? Seems like a lot of...
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