Personal Investments • Can I retire with $1.75M at age 43?
The short answer is yes, if your expenses are currently in the 3K per month range and stay that way adjusted for inflation, then 1.75MM liquid assets will work just fine. This is standard...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Not to shift the convo from taxes, but can we talk about fundamentals? For me this about P/E and P/book. Looking at VTI, US index the P/E is 23 and P/B is 4. Compare to VEA - FTSE developed. P/E of...
View ArticlePersonal Finance (Not Investing) • Deferred Compensation Plan Strategy
https://www.kitces.com/blog/moving-lowe ... pensation/ is a good read for those who use deferred compensation in the hope of moving from a high tax to a low tax state at some point in the future....
View ArticlePersonal Investments • Should one invest in gold? If so, how and how much?
The article is 27 months old. If you were trying to hedge inflation by buying gold, I'm afraid you've missed the boat. What tells you gold prices will increase?I didn't see anyone claiming that they...
View ArticlePersonal Finance (Not Investing) • Have any of you Frugal Zebras Changed Your...
If I were to splurge, I think a likely possibility would be a beachfront vacation home. We probably could pull that off with what we have. The hassles of owning and the fact that we would probably...
View ArticlePersonal Investments • Creating a LMP
This is a good strategy.I would fund the short rungs now and do the longer ones next year. The inverted yield curve is favoring short-term notes now. Nominal treasuries or TIPS (inflation-"protected",...
View ArticleInvesting - Theory, News & General • Anybody heard stories of well...
The only ones I have heard about are medical related. The medical expenses get much higher than expected is typical. They develop a medical condition that they didn't expect. The other is they have a...
View ArticlePersonal Consumer Issues • Oak kitchen/bath cabinet solutions?
Has anyone found themselves in the same position & found a solution?Who will be doing the work?The reason I ask is because to paint older cabinet doors in kitchens especially and even in...
View ArticlePersonal Finance (Not Investing) • Taxes. When is married filing separately...
We haven't run numbers yet but, we plan on MFS to lower student loan payments until completion of Public Service Loan Forgiveness. In theory it will take a $500ish payment down to $0ish. Interest gets...
View ArticlePersonal Consumer Issues • navigation system for car
Call me old school, but I just bought a new Garmin Drivesmart 66. I ran both my android phone and the Garmin together on a recent trip and the phone lost signal several times while the Garmin did not...
View ArticlePersonal Finance (Not Investing) • Online Social Security application [question]
My wife turns 70 on June 28th, so I filled out the application to start benefits in July and clicked done. An hour later I found that her 4th week birthday meant she won't get her first check until...
View ArticlePersonal Consumer Issues • [What TV Show Have You Recently Watched?]
I enjoyed the novel by Yangsze Choo, so watched The ghost bride on Netflix. Apart from loving Kuang Tian’s over the top performance as the villain, I can’t recommend the series. It wasn’t nearly as...
View ArticleInvesting - Theory, News & General • how well do these asset classes work...
I think what you have proposed is fine, but the ones listed as 10% (10% SCHH Schwab US REITs & 10% VNQI Vanguard Global) would be only 5% of the whole portfolio if you are at 100% equities, which...
View ArticlePersonal Finance (Not Investing) • Considering a Career Change From Marketing...
Any advice in general?Don't make big decisions quickly after a traumatic event. Losing your job is traumatic, even if you may not feel it yet.Financial work is very difficult to break into. You have...
View ArticlePersonal Investments • Need to replenish Emergency Fund
Let me introduce you to a concept called "Sinking funds." A sinking fund is an account that is set aside to meet an specific expense or pay off a debt (like a mortgage). It does not have to be a...
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Personal Finance (Not Investing) • Leave family temporarily for new job in...
I want to provide some update for anyone who's interested:I polished my resume and started applying to many places a week later. I had mostly auto rejections and a few phone screens. A lot of...
View ArticleInvesting - Theory, News & General • Which industry will benefit from new...
You are right. Way too much time to simply say they are overpaid.Do you think sellers should be paying 50,60,70, 80,000 to realtors for selling a house that is on the market for a week or two or...
View ArticlePersonal Investments • How Much to Convert to Roth?
The best answer is an analysis/analyses. I use Newretirement.com. love it. It gives you all the answers you want and you can pose all the different scenarios you want. Good luck.It's important to...
View ArticlePersonal Investments • Simplify My Life (Portfolio Review)
Put most of your bonds in MS and pick a Vanguard fundConsolidate MS roth to S&PConsolidate Fidelity to Black Rock SP500Use the Her MS 401 for Mid/Small Cap fundsConvert Dividend funds in taxable...
View ArticlePersonal Consumer Issues • Suggestions for mobile phone plans for a high...
How is the reception with Mint and Tello? This is very important for us especially when our child is on the bus ride. I recommend a Gizmo Smart Watch. No data, no internet, no social media, just...
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