Personal Investments • 401K Fund Selection
For Wife account, those are some of the best low cost options I've ever seen. You could go target date fund, Global stock + aggregate bonds, or S&P500, EAFE and Aggregate bonds. For you, target...
View ArticlePersonal Consumer Issues • Advice for buying a car in 2024
I'd buy a new Mazda CX-90 if you need the 3rd row, or a CX-50 if you don't. https://www.caranddriver.com/mazda/cx-90. Mazdas are fun to drive, and the fit and finish on the higher trim models is just...
View ArticlePersonal Finance (Not Investing) • Windshield Chip - Insurance claim or Self...
1). Don’t do this yourself. The DIY kit will not look as good. 2). Don’t go through insurance, the amount is too small for it to make sense. 3). Don’t use Safelight. Try a local glass shop who will...
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Personal Investments • Is it Too Late to Invest in VTI?
It's too late. Stocks have reached a permanently high plateau.Yup, the 2% increase yesterday was the sound of the door closing (sarcasm). Statistics: Posted by dogagility — Fri Feb 23, 2024 4:52 am —...
View ArticlePersonal Investments • Planning for RMDs
We would like to better plan for RMDs, decide if it would be advantageous to pull more money out now rather than wait until age 72. Years ago we were told that assets were such that RMDs would be...
View ArticlePersonal Investments • Diversification means always having to say you’re sorry.
The trouble with investing is that it's really more of a marathon than a sprint. You get rich slowly, picking up speed as your portfolio size increase taking advantage of compound interest. However,...
View ArticlePersonal Investments • Was it a mistake to suggest allocating developing...
I'm wondering what do folks on the forum think and what people have been allocating to their Roth IRA?If you don't have conviction on a "sector" investment to stay the course until the bitter end of...
View ArticlePersonal Finance (Not Investing) • Capital Gains Rates - Short or Long term?
I have told my heirs NOT to attach any sentimental value to any investments they inherit from me. My asset allocation is not their asset allocation. If they want to sell all the index funds they...
View ArticlePersonal Consumer Issues • Energy efficient skylights for bathroom that...
Hi,My parents are in the market for new skylights in their second floor bathrooms. I just noticed that some skylights might be eligible for tax credits?1) Do the skylights have to be solar powered to...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
Not sure if it's been discussed in the thread, but this allows you to use alternative 2FA like Google authenticator: https://gist.github.com/jarbro/ca7c9d3e ... 7228575948Yes, it's been discussed...
View ArticlePersonal Consumer Issues • Punctured tire on Model 3 - WWYD
They need to be replaced. Any other option puts you back in the same spot in three to six months.Summers are ok if you stick to San Fransisco/California. You don't want to do weekend trips to Tahoe in...
View ArticleInvesting - Theory, News & General • Trading Treasuries (nominal and TIPS)
I had another thread where I was working through the mechanics of purchasing a 5-year TIPS ladder as a bridge to maturity. My last question didn't gain traction there, but I think this is actually a...
View ArticlePersonal Finance (Not Investing) • Mobile number verification fails (Consumer...
I don't have any direct experience with Consumer Cellular, but I had lots of issues with my MNVO and the national AT&T outage yesterday.Consumer Cellular is an MNVO that can use the T-Moble or...
View ArticlePersonal Investments • TIPS or not for a 5 year ladder?
Hello OP,Does your personal rate of inflation match the TIPS index?Don't really know. Its our first year of retirement and our spending pattern is already significantly diverging from prior years....
View ArticleInvesting - Theory, News & General • Year 2000 retirees using the '4%...
You have to balance your appetite for financial risks with your willingness to increase the chance of a 0 year, <5 year, <10 year, etc. retirement. How is any withdrawal strategy increasing the...
View ArticlePersonal Finance (Not Investing) • Need advice on debt payoff strategy
Why not use the available cash listed to pay off all the debt?Are you earning enough each month to cover all expenses and save for retirement?Statistics: Posted by HomeStretch — Sat Feb 24, 2024 4:10...
View ArticlePersonal Finance (Not Investing) • Handling Inheritance In A Marriage
26 year stable marriage...always co-mingled in the past...one child 24...just put the inheritances in you joint account.Terrible advice IMO even for stable long marriages.You should NOT pool the funds...
View ArticleInvesting - Theory, News & General • Can you do better than BND?
You're still not addressing one of my main points, which applies to Markowitz. For a 30y holding period, the SD of interest is the SD of 30y returns, not the SD of one-year returns. I don't know if...
View ArticlePersonal Finance (Not Investing) • Can a employer-covered 401(k) charge be...
If the plan requires your employer to pay all plan expenses, the onus is on your employer to pay the custodian and to instruct the custodian to reimburse all the participant accounts.Statistics:...
View ArticlePersonal Finance (Not Investing) • Property Tax Rates - How are they calculated?
Tax rates are set by the board in your county. They go up or down depending on the fiscal needs of the county government. If it needs more money to fund something they will be looking for more money....
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