Personal Finance (Not Investing) • Re: Exploring buying a multi-unit with my...
I would treat this as purchasing shares in a business.For example, assume the $1.5M house has 10 shares (each share worth $150k). Your brother is purchasing 2 shares ($300k down payment) and you and...
View ArticleInvesting - Theory, News & General • Re: Modified versions of HFEA with...
Any thoughts on an efficient way to be around 70% global equity (e.g., VT) and 70% intermediate to short term TIPS?For a little while I had NTSX/NTSI with some TIPS funds to balance (and low overall...
View ArticlePersonal Investments • Re: Help 2 Engineers Start a Family (It is finally...
There are a lot of glowing comments here about parenthood. But, if you've had a great job, I don't think you should assume you'll find parenthood more fulfilling. You might not, and if that's the...
View ArticlePersonal Finance (Not Investing) • Re: Share your net worth progression
Age 38 and Wife 37Date Net Worth 2011$2,056.00 2012$1,258.00 2013$32,335.00 2014$48,786.00 2015$166,877.00 2016$235,574.00 2017$342,958.24 2018$436,500.00 2019$629,316.00 2020$961,047.00...
View ArticlePersonal Investments • Re: Sell Bond Index Fund and Buy TBills
I just set up a 5 year treasury ladder at Schwab today. Took 30 minutes of coaching with their fixed income desk and no fees. Very transparent and easy to do. I may swear off bond funds and etfsIf it...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
Since high US valuations are cited as a reason to include international allocation, then I have a question. Is that really a "US vs. International" argument, or more of a "US Big Tech vs. Everything...
View ArticlePersonal Investments • Re: CD or treasury- 3-7yr horizon
There is no guarantee of meeting inflation with TIPs.Statistics: Posted by LISD — Mon Jul 08, 2024 11:04 pm
View ArticlePersonal Finance (Not Investing) • Re: Roth IRA inheritance limit
There is no upper limit to what you can inherited. However, the federal government will impose an estate tax. Estate tax exemption is currently about $13.61 million. This exemption can double for a...
View ArticlePersonal Finance (Not Investing) • Re: Personal Loan to LLC, reasonable idea?
OP here- I agree, I don’t like the thought of commingling assets, and I was trying to keep a reasonable separation with the loan rather than just taking withdrawals at random.Regarding the...
View ArticlePersonal Consumer Issues • Re: Can anyone help me find this obscure piece of...
UPDATE:Bill Pilburn himself just emailed me and attached a PDF of the arrangement.wow!this is wonderfulI'm so grateful.I've been looking for that arrangement for nearly 30 years.Thanks everyone for...
View ArticleInvesting - Theory, News & General • Re: What is your age and asset...
retired DW 64 DH 63, DW pensionAA: 40/60Statistics: Posted by Back Dr — Tue Jul 09, 2024 11:10 pm
View ArticlePersonal Consumer Issues • Re: Hire a mechanical engineer for heat pump?
You want an experienced hvac installer, not a mechanical engineer.+1Statistics: Posted by Jeepguy — Tue Jul 09, 2024 11:10 pm
View ArticlePersonal Finance (Not Investing) • Re: Is there a minimum when donor advised...
I am interested in donating highly appreciated shares to charity. I understand there is a deduction limit (30% of adjusted gross income) and carry forward rules. It looks like you can only carry...
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Personal Investments • Re: VBTLX exit strategy
What a great thread here, and it is really unfortunate that there are so many charts on the internet showing only price part of return... Statistics: Posted by gammalaser — Tue Jul 09, 2024 11:14 pm
View ArticlePersonal Finance (Not Investing) • Re: Buying a primary home in Seattle...
Edmonds and Lynnwood are going downhill fast, that is a big concern I would have.I’m not following this. Can you help me understand what do you mean by going down hill and why?Congratulations on the...
View ArticlePersonal Consumer Issues • Re: What video games are you currently playing?
Red Dead Redemption 2Statistics: Posted by VTS3X — Wed Jul 10, 2024 11:02 pm
View ArticleInvesting - Theory, News & General • Re: Frec - Low Cost (0.10%)...
Can anyone that used FREC describe how it was to do your taxes?Not that many people that can answer this question. I think they had 93 customers (91 individuals) as of December 31, 2023, based on my...
View ArticleInvesting - Theory, News & General • Re: How do you deal with the all...
Since the market’s long term trajectory is “up” it’s often at all time highs, else how would it get there? So this is a normal state - don’t sweat it,Statistics: Posted by Nicolas — Wed Jul 10, 2024...
View ArticlePersonal Consumer Issues • Re: Costco hikes membership fee for the first time...
They can do what they want with membership fees but the day they raise the Hot Dog And A Soda price from $1.50 is the day the music stops!Statistics: Posted by snackdog — Wed Jul 10, 2024 11:09 pm
View ArticlePersonal Investments • Re: Want to leave CFP and go DIY - Help!
So I guess the big question now is: what's next? When/how do I leap self-managing? How can I maximize discipline and minimize emotions in the process. What tax considerations should I be thinking...
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