Investing - Theory, News & General • Indexing getting more expensive?
More expensive? How much is that in dollars?Suppose my VTSAX were to cost 0.08% instead of 0.04%. Oh, the humanity!Statistics: Posted by nisiprius — Fri Jul 26, 2024 11:44 am — Replies 3 — Views 255
View ArticleInvesting - Theory, News & General • Filling the TIPS gap years with...
So what we see is that the more 2034s are used, the more expensive the ladder is before the swaps. This is because with more 2034s, there is less total interest from later bonds pre-swap, so more...
View ArticlePersonal Investments • Fidelity Account Hold
You can file a complaint with FINRA if you like.https://www.finra.org/contact-finraBe prepared to explain in detail exactly why those deposits "failed" and to prove that you actually had sufficient...
View ArticlePersonal Investments • I Bonds Gift Box and Gift Tax Exclusion
I'll tag on, let's say you wait 2 years, is the gift the purchase price of the bond or the value of the bond at transfer?Statistics: Posted by Kagord — Sat Jul 27, 2024 12:02 pm — Replies 1 — Views 92
View ArticlePersonal Consumer Issues • Can We Afford a Disney Cruise for Our 50th Birthdays?
UPDATE - PART 2: THE EXPERIENCEIn short, the cruise was amazing! Our 10-year-old daughter made a friend in the kids’ club early on in the trip and they spent a lot of time together from that point...
View ArticlePersonal Investments • Retirement is imminent - are we ready?
Two year update.Phew...Yes, we are retired and really enjoying it. The recent gains in the market have done wonders for our financial future, we actually have more in our portfolio than we did 1.5...
View ArticlePersonal Finance (Not Investing) • Add on disability policy. Is it worth it?
You could add on a shorter benefit, maybe 5 or 10 years, to keep cost down. Or just bite the bullet and pay what amounts to an insignificant part of your income to protect it all.Statistics: Posted by...
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Personal Finance (Not Investing) • How/when to communicate with kids that...
I think it's weird that kids would expect parents to pay for college in the first place. I mean, college is something you undertake for yourself; if you get good enough marks, you can get heavily...
View ArticlePersonal Consumer Issues • how much did it cost you to install a level 2...
HCOL area, did it myself, 3/4" conduit, 50 Amp outlet and breaker. Ran about 40' of conduit to common wall with attached garage. Probably $250-$350 for materials at Home Depot. #8 copper wire is...
View ArticlePersonal Investments • Moving assets between institutions
Update:I got VTSAX converted to VTI at Vanguard, but the cost basis method did not get transferred. It went from Spec ID to FIFO. Do I manually change it back to Spec ID in VTI or will it get changed...
View ArticleInvesting - Theory, News & General • Psychological impact of dividend...
I don’t understand that tax problem with dividends? Well, if there were no dividends, and the money stayed neatly inside the value of the stock, then there wouldn’t be a taxable event at all until you...
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Personal Finance (Not Investing) • Proposed update to Health Savings Account...
You're right; I misread your post. That's what I get for working on a few hours sleep. I still don't think I would agree with your statement though. If someone has an overfunded HSA but has a high...
View ArticlePersonal Finance (Not Investing) • Inheriting a home. How easy/difficult is...
Ask the bank?Statistics: Posted by Caliscotsman — Sat Jul 27, 2024 12:15 pm — Replies 38 — Views 2590
View ArticlePersonal Finance (Not Investing) • Another 5500 EZ / 14704 question
Last year = 2022. Thanks for the responseAny downside to sending 2023 with 2022 other than the $500 penalty?Statistics: Posted by smartspider1106 — Sat Jul 27, 2024 12:17 pm — Replies 2 — Views 107
View ArticlePersonal Finance (Not Investing) • Grandparents helping for kids college - how?
I'm big on practical reality. I've already gone through this.For FAFSA and CSS, if you're not right at the poverty line, you're getting nothing anyways, so who cares?With respect to paying the bursar...
View ArticleInvesting - Theory, News & General • Balance of US and International...
There are my own opinions.In economics the winners take most of the gains. It has been a period of time where the large US cap companies enjoyed dominant positions competitively. US has also been good...
View ArticleInvesting - Theory, News & General • Frustrated with targets....
As others have said, look at the makeup of the target date fund and pick the one that resonates with your desired asset allocation. I’m fortunate to have good S&P 500, extended market, and bond...
View ArticlePersonal Finance (Not Investing) • Plans for a recession?
Nice.Which Marina?I'm in Dana Point.Statistics: Posted by Caliscotsman — Sun Jul 28, 2024 12:18 pm — Replies 28 — Views 1715
View ArticlePersonal Investments • Swapping funds at a gain
Hi,I have a couple simple style-related questions regarding changing funds and wanted to get some input:1) I understand using tax-loss harvesting to help change assets from one fund to another similar...
View ArticlePersonal Finance (Not Investing) • Expensive houses
Any house that is standard will sell pretty easily, no matter what the prices are for those in the area - so your standard single family home in SD can sell for millions quickly. Any NON-standard...
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