Investing - Theory, News & General • What convinced you that you can't...
Only 1 in 10 professional managers outperform the benchmark index over long periods net for fees. It is said, that retail stock pickers have an advantage in comparison with professional managers -...
View ArticlePersonal Finance (Not Investing) • Proposed update to Prioritizing...
Are you against all five of these changes?Yes, for what I think is the same reasoning as JBTX's.I wouldn't mind if "/529 College Saving" is appended to "Taxable Accounts" so it would be "on par with"...
View ArticlePersonal Investments • Received a big inheritance $10m+. No idea what to do
These may be relevant:https://www.forbes.com/sites/johnjennin ... isfaction/https://www.stlouistrust.com/insights/w ... -millions/Statistics: Posted by Bolet_agogo — Wed Aug 21, 2024 6:38 pm — Replies...
View ArticlePersonal Finance (Not Investing) • Beneficiaries of IRAs: different...
How does naming beneficiaries for my IRAs work when a percentage will go to a beneficiary's spendthrift trust but the rest will go directly to individuals? Do financial institutions like TIAA,...
View ArticlePersonal Investments • What should I add?
Later this week I am investing $5k in my taxable brokerage/fun money account (not an IRA or 401k). Curently I have about $25k in VTI and $15k in Amazon.You could just buy more shares of Vanguard Total...
View ArticlePersonal Consumer Issues • Shower no longer have hot water - need advise on...
I'm reluctant to say specific without taking things apart myself cause like I said, manufacturer's love to discontinue or tweak parts.With that disclaimer, call 1-800-4KOHLER.Tell them you are the...
View ArticlePersonal Investments • UHNW Situtation
Ok, at 0.40%, what do you get for that $120K a year... every single year? Your taxes really aren't that much more complicated and that falls to your very good accountant anyway, not a RIA. Up-front...
View ArticleInvesting - Theory, News & General • Connection between Fed rate cuts and...
How are they connected? To be specific. Fido Premium MM rate is currently 5.15%. Has not gone down in a long time, even as the 10 year rate has dropped significantly. So if the Fed drops rates...
View ArticlePersonal Investments • Schwab Solo 401k now allows direct deposits
I'm thinking of using this. I don't use a payroll service, but may try to setup an ACH transfer and see if it works.Statistics: Posted by Fubs — Thu Aug 22, 2024 6:34 pm — Replies 1 — Views 128
View ArticlePersonal Finance (Not Investing) • ACA insurance subsidy -> Gold, Silver,...
COBRA costs a lot more than the ACA insurance with subsidy. COBRA is about 18K per year.I figured that's what the issue would be.Good LuckI think of COBRA as a tax on those who can't figure out the...
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Personal Finance (Not Investing) • What is the Worst Financial...
Investing in Vanguard Total Bond Market Index.VBTLX total return is now (slightly) positive over 5 years, so if your worst mistake was the equivalent of keeping money under the mattress, that's not so...
View ArticleInvesting - Theory, News & General • Optimizing Investments for IRMAA
Eventually most people in senior living can deduct lots of long term care expenses as medical. I'm guessing the difficulty might be the early years of assisted living, if you move in well before you...
View ArticlePersonal Investments • Short Term vs Long Term Bond Funds
Not what you asked for but if you can stomach the volatility of a medium term bond fund like BND chosing the fund below (VTINX) that has 30% equity doesn't add much if any more volatility. If she...
View ArticlePersonal Finance (Not Investing) • Requesting Help on Taxes for inheritance...
"Grandchildren received a specified amount from the trust" Which trust, since there appear to be two of them. Should the portion the grandchildren receive reduce the amount of our "capital gain"? This...
View ArticlePersonal Finance (Not Investing) • Purchase House From Sibling as Preplanning...
Thank you again for the realistic and practical advice. I do get it. As I look ahead, I see at least two siblings who will need to live "somewhere as they age - no children there...If I can go into...
View ArticlePersonal Consumer Issues • New Tires for a Prius that are good for Winter, too?
+1 for Michelin CrossClimate 2. I've also used Nokians with good success in Buffalo winters.Statistics: Posted by Beck49 — Thu Aug 22, 2024 6:44 pm — Replies 3 — Views 167
View ArticlePersonal Finance (Not Investing) • When to start social security for a family...
Thank you. This is very interesting, makes sense but I have never read this anywhere “From that, we back out PersonA's PIA to determine the amount left for the rest of the family. 6650.83 - 3800 =...
View ArticlePersonal Finance (Not Investing) • Have you used AblePay with your medical...
Greetings all,DH recently had a brief hospitalization while traveling out-of-town. Fortunately, he received good care, and the care was also considered to be in-network with our insurance plan, but of...
View ArticlePersonal Finance (Not Investing) • Is Ramsey right about long-term care...
I forget if LTC insurance was directly suggested in Die With Zero. But I know Bill Perkins waves away the fear of running out of money using LTC insurance (together with annuities)For people who can...
View ArticlePersonal Investments • Best Alternative to T-Bills at Vanguard?
VMFXX and VUSXX have the same yield of 5.26% as of this post. VUSXX is 99% T-bills while VMFXX is a mix of obligations/t-bills/and repurchase options. VUSXX has a slightly better expense ratio at 0.09...
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