Personal Investments • Late Start - Need Help with 2-yr Plan
What are your yearly expenses?How much social security will you collect? How much of these expenses is not covered by the "small pension" and social security?Hello! Expenses are $5K/month, $60K/year....
View ArticlePersonal Investments • Portfolio Review - Early Accumulator
... I want to retire by 50? ... I hit my 401k hard early but pulled back because of fear I was locking all my monies away. Well, like the other posters in this thread, I think you should be putting...
View ArticlePersonal Finance (Not Investing) • 529 withdraw all funds for expenses of 1...
I typically withdrew in 2-3 chunks, aligned with the semesters. This gave me an opportunity to adjust the full year withdrawal amount based on actual as incurred. As others have said, you don’t want...
View ArticleInvesting - Theory, News & General • Avantis has the cheapest...
Dimensional is now almost as cheap as Avantis for international large value:DFIV .27AVIV .25DFIV might not be ideal for an IRA if it makes compromises to reduce US income tax: The investment objective...
View ArticlePersonal Consumer Issues • Any Stats on Airlines Changing Itineraries?
Only business travel for me in the US. Based out of Seattle which is a major hub so very rarely is a flight change of significant impact (burden for cost or more than a day change in the absence of...
View ArticlePersonal Consumer Issues • Replacing Roof and Considering Solar
For reliability purposes, you don't need solar to have batteries. You can simply charge them from the grid. And depending on local rules, solar won't help you if the grid goes down. Where I live in...
View ArticlePersonal Finance (Not Investing) • Structuring inheritance for young adults
I do not have any kids, but both of my sisters have kids and their kids have kids. Thus, I am not in the same boat as you, but am in a similar boat. My sisters and their offspring all live an upper...
View ArticlePersonal Consumer Issues • Average monthly Internet + TV bill
Verizon fios internet (no TV) $43.99/mo for 300 Mbit. There is a competitor that is also available at similar prices.If you have gigabit and don't regularly download large amounts of data or have 17...
View ArticlePersonal Consumer Issues • Does Facebook Marketplace Still Work For You?...
Tried to buy a vehicle last year and of my many honest inquires to engage, only got two sellers to do so. One said I was lost in the noise of scammers. I didn't buy that car because it wasn't for me...
View ArticlePersonal Consumer Issues • Best Place for New Car Batteries w/Installation
In general, there are two considerations when buying a car battery. The first consideration is obvious, it has to fit into the space in your car. There is a "group size" number that specifies this....
View ArticlePersonal Finance (Not Investing) • Vanguard: What documents to download...
I agree with the above for getting detailed cost basis information on every holding in each account for your records.I do not know what cost basis you use, specific ID, first in first out, average...
View ArticlePersonal Consumer Issues • SATs for test optional schools
.His son's SAT is mediocre. This score and range will not result in much help for scholarships or getting into a top tier college. Community college and local state can be a fantastic investment. SAT...
View ArticlePersonal Finance (Not Investing) • Seeking Advice: Considering a Financial...
You may find this list of important “trigger” income levels for 2024 helpful in your learning.Thank you - I found that helpful. I am managing capital gains and Roth conversions to stay under the first...
View ArticleInvesting - Theory, News & General • Anybody ditching Ally Savings...
Stopped using it about a year ago, Vanguard MM pays significantly (1+%) more. I don't understand keeping more than a pittance anywhere but the MM. 5.42% is no joke! Maybe in another year things will...
View ArticlePersonal Finance (Not Investing) • 4.5M house…can we afford? What to do
5000, even 7500 is fine. We have 5000. We use all of it. There are two guest bedrooms for when family come to visit, I have a study, we have a home gym, a couple areas for kids to play. A good sized...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
I always thought Fidelity charged a 1% fee on international debit purchases, so I've been using my Schwab debit card instead for the past several months. But today I did a test - I bought the same...
View ArticleInvesting - Theory, News & General • Three Fund Bond Portion
What are you going to do when stocks drop 50%? Retirement day one, have $1M and are drawing a $40K income (4% SWR).End of year one and stocks have dropped 50%, effective SWR relative to the portfolio...
View ArticlePersonal Consumer Issues • Business trip to South Korea - Tips needed
- Drink 2-3x as much water on the flight as you think you need to. And don’t count on the flight attendants to give you enough. Buy a couple liters at the airport - exercise and sunshine day of...
View ArticlePersonal Finance (Not Investing) • Another “should I pay off my mortgage?”...
Is your marriage going strong? In some states inheritance if kept separate is individual property in divorce. If put into home it would immediately be joint property. If strong marriage pay off home....
View ArticleNon-US Investing • UK based new investor
My different 2c.Definitely no bonds until the mortgage is paid off - instead I assume you can pay down the mortgage early to reduce your monthly mortgage payments over time and get the home full paid...
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