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Personal Investments • Divorcing my SCV fund - A few questions

A rhetorical question: What’s the point of having an Investor Policy Statement if one so easily sets it aside? For this reason I’ve never made such a statement myself.I reserve the right to...

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Personal Investments • tax efficient alternative to high yield savings

You could consider laddering and auto rolling 4 week T bills. Every week you would have the option to cash 1/4 of the investment. They’re currently paying 5.3% and you avoid state tax.I am researching...

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Personal Investments • Delayed Social Security Calculation

Have you used https://opensocialsecurity.com/ with the "Click here [ ] to select situation(s) " function to see different scenarios? Especially useful to see if a spouse will be effected by SS timing....

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Personal Finance (Not Investing) • HELOC or savings for remodel, etc?

I would use a HELOC for the house but not the car. If you really need a car you can use savings for it. I applied for a smaller HELOC considering my equity and plan to use as a backup for home...

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Personal Finance (Not Investing) • Shopping for all things Insurance

I use GEICO and they have everything under one roof except for life. I get term life insurance through my job. I bundle home and car through GEICO but don't have umbrella currently. I've never used an...

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Investing - Theory, News & General • "What Is Going to Happen To Our...

...why are you finding the SNT with a traditional IRA and not a Roth IRA?... The priority list is: #1, support our disabled daughter; #2, maximize the inheritance for others; and #3, minimize taxes...

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Investing - Theory, News & General • The motley fool - why the Total...

So:- abandon diversity- put all your money into Motley Fool stock picksYeah.Statistics: Posted by BirdFood — Thu Jun 20, 2024 1:58 am — Replies 47 — Views 4280

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Personal Finance (Not Investing) • Credit Card Question for College Freshman

If you have no income, Discover offers a decent no fee student card, I think it’s the Discover It Student Cash Back. If you have income, get the CapitalOne SavorOne for restaurants and groceries and...

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Personal Investments • 2yr Temporary Assignment in UK. How to invest while in...

Transfer your GBP salary every month to your US bank account and continue investing as long as you have a US address.Statistics: Posted by kojima — Thu Jun 20, 2024 2:10 am — Replies 4 — Views 388

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Personal Consumer Issues • Follow-up Actionable Housing Post / Affordability...

Scott Galloway is a professor of marketing at NYU and one of the first “older generation” people to go out there and call it for what it is. You may take comfort knowing you are not alone. Here is one...

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Personal Investments • Advice sought on a specific UST bond

Since this is in an IRA, it doesn't matter what it is invested in now; you should invest the IRA money in whatever is the best use of your dollars. Usually, long- term Treasuries are not good choices,...

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Personal Investments • Rebalancing or Market Timing

My target AA is 60/40. Right now I am just a tad rich in stock, around 60.9%. My stock fund is up about 16% ytd with S&P 500 near record highs and the future is looking brighter for bonds. I have...

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Personal Finance (Not Investing) • How close are we to financial independence?

1. No two families are the same. Don’t put too much stock in what other people say since your experience will be unique.2. You’re in great shape.3. Yes. Spend more freely if you want to. Just be aware...

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Investing - Theory, News & General • Share your 'reverse glidepath' stories!

Read the kitce’s article a while ago, seemed to make sense. Retired at 58 with 40-60 where most of portfolio is post-tax and have paid expenses out of bonds. Obviously we’ve had a nice run in equities...

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Personal Finance (Not Investing) • Can we retire in NYC?

1. Can one of us retire now? 3% rule assuming 25% tax bracket means we need $8MM to both retire. If one person makes $400K, that is barely covering expenses after taxes + HSAs + 401Ks. I am worried...

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Investing - Theory, News & General • What's Been The Best Investment of...

My marriage!Statistics: Posted by WhitePuma — Fri Jun 21, 2024 1:17 am — Replies 185 — Views 21019

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Personal Investments • Best place to park $250k for a year

3 to 6 month rolling t-bills. You can cash out increments of $1000 when you need it.Statistics: Posted by anoop — Fri Jun 21, 2024 1:41 am — Replies 8 — Views 727

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Personal Finance (Not Investing) • Social Security Torpedo

The quote you posted from ssa seems to indicate the taxes from the additional 35% taxable income might not make it back to SS.The income tax paid on the additional 35% goes to a Medicare trust fund,...

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Personal Consumer Issues • Apple Watch - phone calls?

I have the non-cellular watch and phone calls can be received via the phone to the watch. It works ok but I'm rarely on the phone. For me the watch is a luxury. Excellent for exercise activities and...

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Investing - Theory, News & General • Where did the 3T+ Nvidia money come...

Where did that money come from?In economy there are things which have value:- food (you can eat it)- car (you can drive it)- house (you can live in it)- company shares (they provide dividends)- land...

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