Personal Consumer Issues • Given Haiti Situation, is Dominican Republic safe?
Read above and you will see that she is there now.And I hope she has a wonderful time. I'm sure she'll be fine. But I can see the face of my 18 year old last year if I had told her "I forbid you to go...
View ArticleInvesting - Theory, News & General • 5M, probably enough to retire to a...
Cost of living is almost entirely dependent on house costs which you can estimate via similar rents - and California near the coast is $50-75k as table stakes. You can get in lower if you’re 30 years...
View ArticlePersonal Finance (Not Investing) • Estate Plan in Colorado - Will v Trust?
There are many more important issues to consider in your estate planning. If you're considering revocable trusts, since (as you pointed out) Colorado is not a commuity property state, unless your...
View ArticlePersonal Consumer Issues • Utilities cost?
Cool for you, I guess? Literally, every single address could have different rates with cities, counties, utility companies, etc. We live in SW.Monthly W/S/G = $85Monthly Electricity (AC, all else...
View ArticleInvesting - Theory, News & General • More Evidence Against Factor Investing
If you have critical thinking and I don’t - why won’t you show the receipts?I’m seeing a lot of text and very little actual facts backing up your comment about robustnessWith stocks I demand a premium...
View ArticleInvesting - Theory, News & General • Great news! No more agent commission
Any suggestions about how agents *would* be compensated?Selling agent who lists the house for sale gets paid 3%(ish) by the homeowner.Currently the Buyers agents who takes a buyer around to 30...
View ArticleInvesting - Theory, News & General • Married Filing Jointly, Over Roth...
Quick Stats:Self (39)Wife (37)Filing Status: Married Filing Jointly2023 Adjusted Gross Income: 230k (so we are just above the phase out limit for married filing jointly)Vanguard Rollover IRA Brokerage...
View ArticleInvesting - Theory, News & General • What is the appeal of Robinhood
Back in the day fidelity was a big bonus generator and I got thousands from them over the years and most major custodians have had bonus programs either in the past or currently so I think you're off...
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Personal Investments • Tax Loss Harvesting questions and VG website vs others...
Put in 1000 or 10000 shares and see what happens. Don’t be afraid to explore. You can always cancel, without clicking submit. Certainly no reason to tear out your hair. Fidelity hides certain options...
View ArticlePersonal Finance (Not Investing) • How much should I leave to nieces/nephews...
How do you setup a "trust that provides for surviving spouse" IF surviving spouse is trustee? Can't the trustee drain the trust? If you name another person as trustee, then you don't trust your...
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Personal Consumer Issues • Garmin Watches: do you wear it at night? if not,...
I ditched a perfectly good iWatch for couple reasons - 1) Needed nightly charging, 2) No sleep data as it was on cradle charging, 3) Wanted to exit the expensive Apple ecosystem. I got a Garmin...
View ArticleInvesting - Theory, News & General • Personal Investment Returns...
FYI, PIRS is now linked in the "See also" section of the Calculating Personal Returns wiki page (thanks to longinvest). I'm interested in getting feedback from folks who are using PIRS. Which...
View ArticlePersonal Finance (Not Investing) • Non Qualified Retirement Income ??
I should clarify that perhaps your employer had a relationship with some insurance provider but it wasn’t part of a deferred compensation plan. Non-qualified means it is not subject to ERISA...
View ArticlePersonal Finance (Not Investing) • UTMA Mystery
UTMA accounts don't have any special tax benefits so the manager of the account, the in-law, could withdraw the funds at any time and deposit them in another account, or spend them (presumably for the...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
If “Money Lockdown” is enabled, can dividends still be directed to another account (e.g. the CMA account, or external checking)?Dividends and CG can only go to fund or core account. I don’t believe...
View ArticlePersonal Investments • Asset allocation for "bridge funds" to be...
Actually, you might do better if your brokerage is all stocks. You could hold fixed income in the 457b since that will be taxed as ordinary income anyway. It looks like you might get 0% tax rate on...
View ArticlePersonal Consumer Issues • New Roof - Exterior Design Ideas
I'm planning to replace my shingle roof and it's an opportunity to change the exterior design of the house. I'm looking for suggestions on a new color scheme for the roof/gutters and trim work. Do you...
View ArticlePersonal Investments • TSP F fund question
There's no reason to use F if you have access to G. Frankly, I'm jealous.In the current inverted yield environment don’t be, much better choices available. Once the inverted yield environment...
View ArticlePersonal Consumer Issues • Mobile finance apps - do you use them?
I have apps on my phone for Capital One, Merrill Lynch and Vanguard. It is a very easy way to see balances and activity on the go, but lately I am wondering if this is really safe to do...If you have...
View ArticlePersonal Finance (Not Investing) • Long Term Care Insurance
Questions from ignorance.A well-designed long-term care partnership policy can protect 100% of one's assets even if the policy runs out of benefits. When your policy runs out of benefits, you are on...
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