Personal Finance (Not Investing) • keeping assets separate in a marriage
As a female reading this thread makes me so sad. Makes me wonder who was taking care of OP while he made all this money for the last 18 years. Who cooked his meals, kept his house clean, washed his...
View ArticlePersonal Investments • Platforms Like M1 Finance, fractional etfs and...
M1 uses apex clearing, so apex has all you cost basis and 1099’s. Not a fan for taxable accounts. Fidelity has baskets, which operate the same. You can do smart buys to top up your under target...
View ArticlePersonal Finance (Not Investing) • Charitable Finance Strategy
What am I missing here? What are the pros and cons? Can someone explain this to me with numbers?OP, I don’t have numbers to explain this with. But, I think you know that it’s too good to be true that...
View ArticlePersonal Investments • Please, Help Me Get Back In! Portfolio Review
One easy move to increase your portfolio’s equity allocation from 35% to 50% is to hold 100% equities in your Roth IRA. See how that feels before increasing equities to 60%.Statistics: Posted by...
View ArticlePersonal Investments • Portfolio Review / Mid 30s
Emergency funds: 100k of our current cash holdings. Should cover a year of expenses while living frugally.Portfolio Size: 700k-800k depending on the size of our emergency funds.100% equities is...
View ArticlePersonal Investments • Business as % of Portfolio
You could do a simple calculation with an EBIDTA multiple. Most industries have a range in which a business would sell. 2.5-5x EBITDA is a wide range but probably gets you in the ballpark.Statistics:...
View ArticlePersonal Finance (Not Investing) • Haney Settlement Offer Genworth LTC Policy
Genworth is big in the ltci industryIf it went under, nobody actually knows how it will goIn general though the state guarantee association would step in. They attempt to make you whole up to the...
View ArticlePersonal Investments • brokered CD with incorrect maturity date
How much is the damage, i.e. difference in interest rate times the amount of the CD, for 18 months?Statistics: Posted by Steelersfan — Sat Jul 06, 2024 6:49 am — Replies 1 — Views 232
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Personal Finance (Not Investing) • Electronic transfers over $10,000 between...
Semi-related: US Bank only let's me transfer $5K a day to Schwab. Irritating. What are your bank's restrictions? Not a big deal just an irritant. Not sure of my exact limits - I have done 6...
View ArticlePersonal Finance (Not Investing) • Refinance First Mortgage at End of...
That’s a real good point and makes it sound much worse.Statistics: Posted by bombcar — Sat Jul 06, 2024 6:50 am — Replies 6 — Views 379
View ArticlePersonal Finance (Not Investing) • The reasons for having money outside...
The same people that seem competent enough to manage multi-million dollar portfolios, do complex tax optimization analysis, etc., seem to become bumbling idiots when it comes to simplest legal...
View ArticlePersonal Investments • 2.5% withdrawal rate forever?
To the OP and others posting about forever withdrawal rates at very low %, why wouldn’t you consider an annuity? No annuity that I am aware of offers inflation adjustments to the annual income. The...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
FYI:I recently purchased an annuity from Athene with ACH transfer. I could see the money was withdrawn from my bank, and when I logged in to the Athene website I could see that the contract was...
View ArticlePersonal Finance (Not Investing) • Interviewing for a new job with much...
When looking at the cost of living comparisons you need to dig into the numbers because the main thing by far is housing, and if you can control or otherwise “fix” that you can turn a VHCOL area into...
View ArticlePersonal Consumer Issues • Best All-Season tires for F-150
Falken Wildpeak A/T4W - 10 ply. Thank me latter.Statistics: Posted by Scubadude — Sat Jul 06, 2024 6:56 am — Replies 15 — Views 1318
View ArticlePersonal Investments • Should I Sell Wellesley Income?
There's nothing wrong with the fund. It contains 60% bonds, and bonds had a disasterously bad run with rapidly rising interest rates over the last few years -- as in the worst performance in 200...
View ArticlePersonal Consumer Issues • Update: Thanks everyone. Minivan Search continues,...
Very good looking system compared to a lot of the older ones I've been around. I worked in an office with a rehabilitation engineer for about 20 years, but retired 12 years ago so I'm way out of touch...
View ArticlePersonal Finance (Not Investing) • Urgently need advice regarding Universal...
Hey y'all,Just to give some closure, we got in touch with a couple of different people (folks who buy insurance policies, etc.) who largely confirmed your conclusions about the policy. We ended up...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
I think the exUS equities folks are underestimating how massive the AI impact is going to be to the stock market in the coming years, and how well positioned US companies are to reap the benefits from...
View ArticlePersonal Finance (Not Investing) • Hire lawyer for simple probate in Florida?
What county did she live in? Getting assistance from the Clerk of the court in Miami will be difficult, but getting help in Hernando County might be possible.She lived in Hardee County. It looks like...
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