Personal Finance (Not Investing) • Current Vanguard account balance...
I merged stockwiz's thread into a similar discussion.(Thanks to the member who reported the post and explained what's wrong.)Statistics: Posted by LadyGeek — Wed Jan 03, 2024 6:10 pm — Replies 30 —...
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Personal Investments • Help this 56 yr old lady rebalance
...it took a full 2 years to gain back all I had lost in 2022, & I really don’t want to go through that big a fall again if I can help it (does anyone?!).Hi and welcome! Let's start with this...
View ArticlePersonal Investments • 401k reallocation
investingforidiots1 - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them...
View ArticlePersonal Investments • Appointment with local Fidelity Rep: should I bother?
Look at it as "what's in it for me?" Why not ask about Medallion Signature Guarantees in that physical office, for Fidelity and non-Fidelity business. Free notary service? (Up to $12 or something in...
View ArticlePersonal Finance (Not Investing) • CCRC return of % of entrance fee tax...
My wife and I are signed-up for a local CCRC that offers no return of the entrance fee after the first 52 months - so zero if you live another 12 or 15 years. If you are looking at a CCRC that offers...
View ArticlePersonal Finance (Not Investing) • Where do you bank and why? 2024 Edition
2023 was an interesting year for banking with the collapse of a few high profile banks (Silicon Valley Bank, First Republic, etc.), some notable bank mergers (Bank of the West became BMO and Union...
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Investing - Theory, News & General • Won the Game Question
Stocks are 27% of all assets, including CDs, etc.?Good progress, but more would be better. (In my opinion, and Vanguard's target retirement AA for your age. I am retired, 70% stocks.)Keep increasing...
View ArticlePersonal Finance (Not Investing) • Super awkward new employer situation
Assuming your recap is completely accurate and not even slightly biased. (Not suggesting anything but I know no one involved and have heard only one side so I simply cannot judge.) I don’t think you...
View ArticlePersonal Consumer Issues • [What TV Show Have You Recently Watched?]
Season 8 of Shetland, on Amazon Prime with Britbox.A BBC crime drama set in the Shetland Islands, based on the novels by Ann Cleeves. Excellent as usual.Statistics: Posted by ruralavalon — Thu Jan 04,...
View ArticleInvesting - Theory, News & General • how does a bank determine whether to...
I have some small CDs that are callable this month, but don't understand how the banks may determine whether to call. Certainly, the rate is a factor, but does the amount and remaining time to...
View ArticlePersonal Investments • Baby portfolio review and 457 question
Danielle,I am not smart or knowledgeable enough to answer your questions. One thing to keep in mind however is that with a pension you will have some steady income. This is a very good thing and when...
View ArticlePersonal Consumer Issues • Robotics focused colleges (tier 2 + co op preferred)
I wouldn't worry about chemistry being hard. I was excellent at chemistry, math, mass balances, and mental models. Electrical circuit analysis fried my brain. There is something about the way each of...
View ArticlePersonal Finance (Not Investing) • Finding cost effective mid-tier colleges...
Those clubs that she is in must've have other students in them, so ask her to find out where others went to college in the past.Statistics: Posted by livesoft — Thu Jan 04, 2024 6:39 pm — Replies 1 —...
View ArticlePersonal Investments • Principal repay vs investment
I have a house mortgage for a principal amount of 3X (5% interest) for 30 years, and investments worth 2X with an annual salary of 1X (before taxes). For now, I am continuing to just pay the regular...
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Investing - Theory, News & General • 2024 Hedge Fund contest
I have a name for my fund, Annette Street Capital. But I’m going to contract out with a third party advisor to select the holdings.I admire your low work approach to running your fund. We look forward...
View ArticlePersonal Investments • The Traditional vs. Roth Split Decision: As Insanely...
Compare this response...With your current tax rate of 12% but not being in reach of the saver's credit, the most reasonable guess is to use mostly Roth. In fact, I don't see this decision for you as...
View ArticlePersonal Consumer Issues • First time flying to Europe (2024)
Swiss sounds like a great airline to try about now given the tense geopolitical situation.Statistics: Posted by AnnetteLouisan — Thu Jan 04, 2024 6:43 pm — Replies 6 — Views 295
View ArticlePersonal Investments • Purchasing MYGAs (multi year guaranteed annuities) -...
I’ve been reading through this thread in preparation for a possible 1035 exchange. In order to qualify for our state’s coverage limits, we would like to split our exchange between two different...
View ArticlePersonal Finance (Not Investing) • Marriage tax penalty and getting a prenup...
Maybe by accident of history, but the law is set up for legally recognized marital unions. You may be able to recreate much of this contractually, but you’d have to be very careful. If you are...
View ArticlePersonal Investments • tax question
im taking a sales job and its 1099 work. i need to set up quarterly tax payments for my salary. the company reimburses me for travel expenses such as hotels, flights, mileage, food, etc. would i need...
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