Personal Finance (Not Investing) • Umbrella Insurance
We had Umbrella, Auto & Home Insurance with Liberty Mutual. This year Liberty Mutual did not renew the umbrella insurance, so we had to get a another company for umbrella insurance.Our agent is...
View ArticleInvesting - Theory, News & General • nisiprius
Every time nisiprius posts, I stop and read closely.Just look for the butterfly avatar.Statistics: Posted by ApeAttack — Wed Aug 14, 2024 4:26 pm — Replies 7 — Views 739
View ArticlePersonal Investments • Lump Sum Invest or Dollar Cost Average?
I suggest that to even think about DCA is a symptom that you are not sure about your asset allocation decision.But, out of curiosity, where have you heard about DCA that it would occur to you to...
View ArticlePersonal Investments • Tbills vs tbill etf
I have some money in money market and I’m looking at moving it into something safer. What do you think of SHV ( black rock etf for treasury <1 year) vs buying treasury bills. There is $750k that...
View ArticlePersonal Consumer Issues • Destress during times of market turmoil
ignore the noiseThat is exactly what you do.Statistics: Posted by runner3081 — Wed Aug 14, 2024 4:27 pm — Replies 7 — Views 233
View ArticlePersonal Investments • Including backdoor Roth IRA contributions in Fidelity...
I'm sharing an update for the benefit of anyone else facing this issue. I called Fidelity, and they confirmed that the Retirement Planning tool does not currently have a way to accurately account for...
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
I wish I had tracked my NW between 2005-2014.2004: -$14k..2015: $1.51M2016: $1.81M2017: $2.91M2018: $3.06M2019: $3.34M (YTD)Update after 5 years:2019: $3.55M2020: $5.8M2021: $8.0M2022: $6.9M2023:...
View ArticlePersonal Finance (Not Investing) • Can I afford to pay cash for this house
You have $7.5m. Why are you asking this question?All I can think of is the phrase "humble brag"!?Statistics: Posted by runner3081 — Wed Aug 14, 2024 4:28 pm — Replies 2 — Views 106
View ArticleInvesting - Theory, News & General • Is a 50% savings rate impossible...
I have a friend who, back int the 1980's had a middle-class income and lived in a trailer with his wife and 2 daughters at the rural edge of the large metropolitan area where he worked. They drove old...
View ArticleNon-US Investing • US-domicles ETF (Charles Schwarb) to Irish-domiciled UCITS...
I'd do it in batches, transfer some cash first (sell 10% if you have to) and then buy on margin in IBKR at the same time as you sell equivalent in Schwab. There would be some margin risk, but done...
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
DATA UPDATEDCAPE earnings and historical return data have been updated with the latest data from Professor Shiller's website.CAPE earnings now span the 10 years from April 2014 to March...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
When a consumer "wins" on an annuity contract, what are the general conditions that produce this outcome?Statistics: Posted by JustGotScammed — Thu Aug 15, 2024 4:34 pm — Replies 2733 — Views 362590
View ArticlePersonal Consumer Issues • College Costs
If your income is below 175% of Federal Poverty Level ($55k for a family of 4) FAFSA will skip all asset questions and the Student Aid Index will be $0.A year at UC Berkeley for an in-state student...
View ArticleInvesting - Theory, News & General • Frec - Low Cost (0.10%) S&P500...
How does direct indexing work if NVDA, INTC, SBUX, NKE drops 20% one day and comes back up 20-30% next day or week or in 10 days ?By doing nothing. The beauty of cap weighting is that you don't need...
View ArticlePersonal Investments • Early Retirement "Red Zone" Planning Check Up
2.Debtb.Home Equity Loan: $106,000 (7.24% 10 year fixed)c.Auto Loan: (37,604) (6.25% 6 year fixed)20.What else am I missing?Welcome to the forum. My focus would be on 2b. and 2c. For more on...
View ArticlePersonal Finance (Not Investing) • Want Thoughts On My Early SS Strategy
I'll say two things: 1. Social Security is just about the only true CPI based annuity left. This makes it a great diversification tool, providing unmatched longevity insurance. You can effectively...
View ArticlePersonal Investments • Specific mechanics and timing of Vanguard $25 account fee
So last week, Vanguard hit all 4 of my brokerage accounts (taxable and retirement that can't be combined) with the $25 fee, with no warning other then the general announcement of last year. They told...
View ArticlePersonal Investments • Laid off at 55 and my head is spinning...
I would do the following:1. Start researching your preferred decumulation strategy.2. Identify your preferred health insurance on the exchange marketplace.3. Identify your plan for Roth conversions...
View ArticleInvesting - Theory, News & General • Why is Larry Swedroe wrong about...
Note I am happy to understand the obvious, which is that risk factors are statistics that can be calculated for a set of stocks that in a regression analysis are variables that explain in the usual...
View ArticleNon-US Investing • [Australia] Is my accountant wrong or did I screw up?
I know nothing in detail about how Australian taxes work in practice. All the above from details in the tax treaty and from experience of how it works in other countries. I suppose I might be wrong,...
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