Personal Finance (Not Investing) • Re: Most recent CitiBank deception ......
Former Citi IT staff here, and still a customer.Yes they are deceptive on deposit and loan rates, even messed around with employees getting employee discounts on mortgages with nasty surprises.That...
View ArticleInvesting - Theory, News & General • Re: If an ETF closes it can be a...
It's probably a good reason to avoid offerings from small "concierge" firms, narrowly focused funds (like AI for instance) and funds with low AUM (under $50M?).I would have little concern about broad...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
Can one open an account at Webull in the name of a revocable living trust?Ask. Them.Statistics: Posted by nalor511 — Sat Jul 13, 2024 11:14 pm
View ArticlePersonal Consumer Issues • Re: Mini Split AC Remote Control Timer?
Okay what temperature do most people here set their AC then? By default, it seems to be between 22-26 or so. You can make it higher. When it was really cold earlier even after turning on for about 1...
View ArticleInvesting - Theory, News & General • Re: “All About Annuities” by...
Thanks for this!I am a trustee in which the trust holds assets in a variable annuity. The grantors were sold by the safety of the product. It's been extremely difficult for me to ascertain what the...
View ArticleInvesting - Theory, News & General • Re: Vanguard Auto Buy ETFs
It's 2024 we still can't automatically purchase non-Vanguard ETFs or stocks... I want to switch but don't know where to go.Fidelity is my pick. Auto purchase almost any ETF or stock with fractional...
View ArticlePersonal Investments • Tax on primary residence sale
If owe 150K in mortgage and sell the house(before the mortgage is paid off) and get $578,751, Is it taxed(joint-file) at $578,751(final sales price), or taxed at $428,751? ($578,751-$150,000). If it...
View ArticlePersonal Investments • Re: Decide which Bond fund in Taxable
I know it's not an easy question, but any advice would be helpful. I have roughly $250k in my Taxable that I just want to keep low risk and create income with. I need to keep this in Taxable...
View ArticleInvesting - Theory, News & General • Re: Cash is a terrible long-term...
Rob Berger doesn't like dedicating a cash reserve for buying stocks after a crash during retirement. He thinks that's the time to rebalance from bonds to stocks, emphasizing buying low, as you were...
View ArticlePersonal Consumer Issues • Re: Computer or Office Chair Recommendation?
Are computer chairs that are $50 to $100 really that poor quality on amazon? Yes. They’re really that terrible. This is a chair you’re sitting in for hours every day. A $50 or $100 chair, even if it’s...
View ArticlePersonal Investments • Re: Vanguard 529 drops TIPS
Changes explained:https://personal1.vanguard.com/pdf/529p ... T053797439Thanks, I totally missed this. I don't really see an explanation for the closure, but I can guess it wasn't a very popular...
View ArticlePersonal Finance (Not Investing) • Be aware of Fidelity Full view's different...
I have notice that mobile transaction on Fidelity Full View do not match that of the website version. This is because Fidelity is appears to have several different versions, each with its own set of...
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Personal Consumer Issues • Re: Lye products for metal pipes?
remove drain plug assembly.The drain cover was removed years ago. Looking down the drain, there's a cross-shaped metal structure. Is that supposed to be pulled? If so, I'd have the plumber do it since...
View ArticleInvesting - Theory, News & General • Re: Emerging Markets Stocks have...
I believe that EM equity performance in recent years has been dampened primarily by the real estate crisis in China. How that plays out will have a sizable impact on future EM equity...
View ArticlePersonal Investments • Re: Seeking opinions on my plan when I turn 70, 1/2025.
You need to choose the allocation you are comfortable with. At mu current age 70, I am looking at a withdrawl rate of 2% and we just started SS income this year, which means currently we have 3% to...
View ArticlePersonal Investments • Re: Retirement Planner - Customize Withdrawals Over Time?
Try using the "Detailed Expenses" option. This allows adding custom expenses with custom start/stop dates as well as detailing "normal" expenses.Have you figured out how to label those customized...
View ArticlePersonal Investments • Re: Talk me out of these USAA annuities
It sounds like you've had a negative experience (or maybe multiple experiences) with an annuity. Maybe it was one that you purchased, or possibly a family member or friend. There are many annuity...
View ArticleInvesting - Theory, News & General • Re: Vanguard raises ER of VNQ/VGSLX
I decided to shift from Vanguard to Schwab's SCHH for my Real Estate allocation. I have access to Vanguard's Institutional share class at 0.11% (up from 0.10%), but the Schwab REIT fund is at 0.07%...
View ArticlePersonal Consumer Issues • Re: Cheap family trip to Portugal or Spain
We did Portugal and Spain over two Christmas breaks and had a great time. If you have any flexibility, leaving a little before the holidays start e.g Dec 15 or so, or returning a little later e.g. Jan...
View ArticlePersonal Investments • Re: Vanguard federal money market vs total bond index
I realize this is hindsight but the money market is an investment option for me and has been better than the vanguard total bond index. Should I just move my bond allocation into the money market and...
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