Personal Finance (Not Investing) • IRS Pulled money from my checking with no...
Yeah, this is why I don’t give the IRS our account information.Paper check refunds only.Pssst they probably already have your account information. Even if they don’t they can back trace the deposited...
View ArticlePersonal Consumer Issues • Value of 2nd full bathroom
Thanks for the responses. We plan on being here 10+ years...but who knows.A 10+ year old bathroom may look dated by then so I would not put the bathroom unless you will get enough use out of it to...
View ArticlePersonal Finance (Not Investing) • Grantor vs Non-grantor trust?
I think we'll have a taxable estate. I suppose it depends on how the lifetime exemptions change over time. We expect our NW to be around $23-24m by the end of 2025. The plan is to put $10-12m into a...
View ArticleNon-US Investing • Where to park cash for 3-6 months in Hong Kong?
is there a risk of price drop if interest rates drop?SGOV is 0-3 months duration invested in Treasuries. Over the last 5 years it has fluctuated less than .80. It's as conservative as you can get for...
View ArticleInvesting - Theory, News & General • VTI article... Not as diversified as...
Getting the total return of the market depends on your portfolio including a representative sampling of that "best-performing four percent." 2) it makes no logical sense to put, say, $20 "weight" onto...
View ArticlePersonal Finance (Not Investing) • Is three days per week the ideal work life...
Try it out and see if you like it.Statistics: Posted by binkding — Thu May 09, 2024 12:13 am — Replies 133 — Views 12232
View ArticlePersonal Finance (Not Investing) • OpenSocialSecurity vs ssa.gov
The myssa calculator is accurate. Change the future earnings to $0 or as appropriate to get correct PIA.Statistics: Posted by binkding — Thu May 09, 2024 12:14 am — Replies 3 — Views 552
View ArticlePersonal Consumer Issues • Replacement Windows - Even Consider Companies That...
If they really want a signature from both spouses, I'm ok with that, but if they want me to be there, it's probably a no, because they're then going to spend the whole time talking to me, as if I know...
View ArticlePersonal Consumer Issues • Recommendations needed for dental insurance for...
Depending on your state, you may be able to buy a reasonable plan through your state’s health insurance exchange. Our state does not require an ACA health insurance plan to purchase a plan- I...
View ArticlePersonal Investments • 1.5 years out - what do I need to do
Roth Fidelity130k - individual stocks plus s&p 500 Mutual fund - slowly unwinding until just indexThere are no tax consequences for selling the individual stocks so I would sell them and put the...
View ArticlePersonal Investments • How to pay for future home acreage
That's a lot of money to spend on something that may not come to fruition. 6-10 years is a LONG time.If its on the edge of town I don't see it as a problem. Even if OP decides not to build a forever...
View ArticlePersonal Investments • Please rate my portfolio at age 46 (around 1.1 M)
...Note that ETFs such as BND are preferred over mutual funds like VBTLX in taxable accounts so you don't pay taxes on dividends. In tax deferred accounts, it doesn't matter....I assume you didn't...
View ArticlePersonal Investments • Parking Place For Dry Powder - Picking A High Yield...
Right now just get a good money market fund at a brokerage because it will probably be easier and faster to sell from that and purchase than to transfer from a bank account but really the dry powder...
View ArticleInvesting - Theory, News & General • 5% for 12 months is great, 4.71% for...
re: the late 70s early 80s. I believe the highest CD I ever purchased was at a rate of 13%. Even though rates were sky-high, I still thought it was pretty amazing I could get that rate. I think the CD...
View ArticlePersonal Finance (Not Investing) • Swimming in CC Debt - Unemployed come July
There are basically 2 levers you can pull.1) Increase IncomeIn the very short term, take any second job you can get, fast food, grocery, whatever it may be. Just get cash coming in the door.In the...
View ArticlePersonal Investments • Destiny tech 100 etf opinions
Just to be clear, the thread's title says etf. It's not an etf; the destiny tech 100 page says it's a closed-end fund. There is no arbitrage mechanism, as with ETFs, that keeps the fund's share price...
View ArticleInvesting - Theory, News & General • Investing, wealth accumulation and...
On a point to point measure. Over other selective periods it could be flipped around.The 1970's wasn't too great for stock - but were good for gold, similar for the 2000's.1980's and 1990's were good...
View ArticlePersonal Consumer Issues • Should I install 5.1 or something more complex...
By far the biggest issue with audio setups is the fact that built in television speakers have been cost cut to the point of being borderline useless. The average person's solution is to buy a...
View ArticleInvesting - Theory, News & General • Bill Gross Says ‘Total Return’...
The total return paradigm was formulated when rates were double digit. Gross noted in his blog that with a 15% yield, the duration of a 30-year bond was down to 6-7 years. This means that rates could...
View ArticlePersonal Investments • We saved nothing for college...BUT...
Best option would be for the kids to go to a top university that meets 100% of financial need without loans.Second best option would be to go to a good university that would offer them large merit...
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