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Personal Finance (Not Investing) • It Does not Seem to Make Sense for Me to...
I would not pay it down. No, your rate isn't fantastic, but every dollar you put to the mortgage is tied up and unavailable to you, from that point forward only earning the rate of inflation (roughly,...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Sorry if this was asked before…Does anyone know if having PR status means I can ACAT out shares from Merrill without fees? Is ACAT fees one of the perks of PR?I thought there was only a fee if you...
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Investing - Theory, News & General • Vanguard Cash Plus Account
I got confirmation from Vanguard that you cannot currently open a Cash Plus Account that is owned by a trust The Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage...
View ArticlePersonal Finance (Not Investing) • Credit Card Application Income Question -...
I applied for a new credit card today. The key information provided was: Total Annual Income and Monthly Mortgage/Rent Payment. With no pension, my Total Income is social security, dividends and...
View ArticleInvesting - Theory, News & General • Good time for small cap out...
Predictions in the thread and outcomes through year end:https://www.portfoliovisualizer.com/bac ... zmw0rGfLMHStatistics: Posted by Northern Flicker — Fri Jan 19, 2024 10:57 pm — Replies 32 — Views 3066
View ArticleInvesting - Theory, News & General • Morningstar article: Do Stocks...
Your portfolio looks like a version of mathematician/advisor Michael Edesess's recommendation to simply use a world market stock fund and a TIPS ladder (domestic or domestic + foreign) for retirement....
View ArticlePersonal Investments • 3% IRA transfer bonus at Robinhood: Worth it?
...4. Funds have to remain at Robinhood for five years....I've avoided fin-tech firms because I feel they're not intending (despite what they may say) to remain in business as business entities...
View ArticlePersonal Consumer Issues • Blocking Extreme Sun/Heat in Window
We just moved in a few months ago ................ but I think we need to do something on the outside, that will be HOA approved to prevent/diminish the heat/sun from getting into the room.I think the...
View ArticlePersonal Finance (Not Investing) • Cancel my health insurance?
If I want to choose my treatment, hospital, and doctor, could I end up paying out of pocket anyway?It seems like you have your mind made up. Go for it and cross your fingers.Statistics: Posted by...
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Investing - Theory, News & General • Should Fixed Income be changed in...
I'm not sure what you're referring to by"I suppose it's theoretically possible that an individual's recommendations could significantly change across 5 years, yet it seems odd for someone to...
View ArticleInvesting - Theory, News & General • What Fixed Rate of Return Would...
Suppose you wished to purchase some additional TSM but were offered a special one-time 6-month fixed-income alternative. What rate of return would you demand on the fixed-income investment in order to...
View ArticlePersonal Consumer Issues • Tire flat-spotting on EV
For reference for everybody, a Honda Odyssey mini van also weighs 4500 pounds.Lots of vehicles weigh 4500lbs so I'm not seeing why that would be an issue.Exactly. Many people intuitively believe that...
View ArticlePersonal Finance (Not Investing) • Social Security and WEP ( 62%)
You can go to the online WEP calculator at https://www.ssa.gov/benefits/retirement ... pjs04.htmlIf you get different information than what SS is saying, you have reason to pursue the discrepancy...
View ArticlePersonal Investments • How can PortfolioVisualizer help me stop clinging to...
While I recognize that historical data is not a great predictor of the future, it is one of he few resources we have available to exploit in order to seek patterns and make decisions. When stating...
View ArticlePersonal Finance (Not Investing) • Sell overseas land or not
Much easier to sell now while they are still with us, I would think.This was a concern for one of my relatives as well. Her parents owned overseas land in their native country. She's US born and can...
View ArticlePersonal Finance (Not Investing) • Tax Withholding on Bonus Payments
Your colleague is incorrect. Bonuses are considered supplemental wages and are withheld at 22% (unless very large) regardless of what the W-4 says.You can adjust your withholding on your salary amount...
View ArticlePersonal Investments • When and how to add bonds?
When and how do you determine to introduce bonds?Is VTEB a good bond fund for a taxable account? Can you purchase VTEB ETF in Merrill Edge?Could you add some clarity to your questions?Statistics:...
View ArticleInvesting - Theory, News & General • Money Market Optimizer Spreadsheet -...
I have updated the releases of both the Vanguard/Fidelity and All Funds Optimizers to incorporate the changed documented in the previous message. All numbers and charts appear to be identical between...
View ArticleInvesting - Theory, News & General • Do Bond Funds Really Make Sense for...
SCSBX may be the oldest bond fund, inception in 1928, but, alas, Morningstar's data for it only goes back to 1961.Did it "make sense" from 1961 to date? It's in the eye of the beholder. It multiplied...
View ArticlePersonal Investments • Tax-Managed Balanced Fund (VTMFX) for Taxable account?
Hello,Working with some funds for a family member for a taxable account where per their age and general risk tolerance, they were wanted something more along the lines of 60/40 or 50/50 Stocks vs...
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