Personal Consumer Issues • Suggestions reduce cost for Niagara trip
That trip sounds hectic with the two younger kids. Probably the best cost savings will be to leave them behind with one of the adults.Statistics: Posted by happy_statistician — Sun Apr 28, 2024 8:11...
View ArticlePersonal Consumer Issues • I fell in love (sigh), didn't want to, but I did...
Nicolas response says it all. Having driven numerous BMW's, Porsche's, Mercedes and Audi's since 1973, the world is unfortunately, a different place than in the past. I was deciding between a Lexus...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
[Thread merged into here --admin LadyGeek]Oceanview is offering a high rate for a 6-year MYGA - 5.85%, especially high given their "A" rating. I wonder if this is related to their November cyber...
View ArticlePersonal Consumer Issues • Bird watchers – what birds are you seeing?
In Gulf Shores AL, 3 weeks ago and saw ~80 species with moderate effort (mornings only) some highlights of which were Indigo Buntings, Mountain Plover and tons of Palm Warblers.Here in MT, just...
View ArticlePersonal Investments • Are Fidelity and Schwab Doing Right By Their Customers?
Yes they are safe to use.You can use low or zero cost index funds.If you don't see value in a .5% or .75% managed fund - don't buy it. I don't see value in .3% PAS at Vanguard either but they are also...
View ArticleInvesting - Theory, News & General • Larry Swedroe discusses his capstone...
Capstone? Is this his last book; is Larry retiring?Statistics: Posted by asset_chaos — Sun Apr 28, 2024 8:20 pm — Replies 1 — Views 178
View ArticlePersonal Investments • Ca Teacher: how to convert/switch American funds to...
I agree because as it is we can't even tell whether the funds you are asking about are in taxable or 401k or iras.Statistics: Posted by placeholder — Sun Apr 28, 2024 8:20 pm — Replies 3 — Views 144
View ArticlePersonal Investments • Fixed Income, Taxable, and Investment Priority
Greetings Community,Assuming one is in the 24% tax bracket and needs to hold fixed income in taxable and tax-advantaged accounts, with the majority being in taxable, which of these investments should...
View ArticlePersonal Finance (Not Investing) • Critique my ChubbyFIRE plan
Some of the Social Security calculators assume you will continue to earn your current salary (plus raises) until your 65th birthday. Your benefit is based on your 35 highest-earning years, but you...
View ArticlePersonal Finance (Not Investing) • How Many Days Various FEHB Plans Cover For...
This is an interesting topic. I just searched all of the nationwide fee for service plans for their skilled nursing coverage.APWU HIgh and CDHP: 30 daysGEHA Std, High, HDHP, Elevate Plus: 50 daysGEHA...
View ArticlePersonal Finance (Not Investing) • Thinking of selling by owner
The buyer is going to want a discount since you are selling yourself. Might as well hire a broker.Statistics: Posted by ocean — Sun Apr 28, 2024 8:24 pm — Replies 4 — Views 348
View ArticlePersonal Investments • Target date fund in a taxable/brokerage account
OP,It is not so bad if the amount is not big. Aka, 6 figures.KlangFoolStatistics: Posted by KlangFool — Mon Apr 29, 2024 8:19 pm — Replies 2 — Views 147
View ArticlePersonal Finance (Not Investing) • Auto insurance: minimum coverage if no...
As someone who dealt with this issue for my dad (stopping driving at about age 87), it is easier said than done. Until you walk in the shoes of someone having this discussion, you just don't...
View ArticlePersonal Investments • Retiring Soon: Pension/Lump Sum Decision - Now or Defer?
One simple way to decide is to plug the lump sum amount into an annuity calculator, keeping everything the same, such as joint survivor, etc. If the pension is much higher than the annuity, then...
View ArticleInvesting - Theory, News & General • "Even If the Fed Cuts, the Days...
“Everyone ask me when rates will go below 4% again, and I just tell them you probably don’t want to see the event that gets us there.”Banker friendSlightly embarrassed to ask. But what possible kind...
View ArticleInvesting - Theory, News & General • 2024 Bogleheads Conference: Sept....
Maybe there’s a good reason for it. Will alcohol will be served? If yes, they want to know if any students attending are under 21??At past conferences there were welcome receptions with a bar. This...
View ArticlePersonal Investments • 529 Strategies
Are your kids in private school? If you have doubts about excessively increasing the size of the 529 accounts, you could simultaneously contribute up to $18,000 per year, per beneficiary, per employed...
View ArticleInvesting - Theory, News & General • New York Stock Exchange tests views...
Although thought of as an advance, the change to 24/7 trading will probably make bubbles and crashes more likely.3 a.m. on a Sunday morning or 1 a.m. on a Monday morning would seem to be potentially...
View ArticlePersonal Consumer Issues • surveys
Rarely.My attitude is they require my time. If you require some of my time you need to be willing to pay for it.Statistics: Posted by vnatale — Mon Apr 29, 2024 8:34 pm — Replies 19 — Views 905
View ArticlePersonal Investments • TIAA Traditional
You bet they have reserves. State Insurance Commissions require it. BUT, when a cohort dies off (or whatever the trigger is), the "un-needed reserves" belong to, and are distributed to ... ... wait...
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