Personal Investments • Re: 529 vs brokerage account vs 7702
Well, you can scratch off garbage permanent life insurance from your list. Spend 5 sec searching this site for opinions on permanent life insurance and you will get my drift.Thanks. How about a...
View ArticleInvesting - Theory, News & General • Re: Asset allocation for 70 year old...
I am one of those self employed individuals, and after a divorce, only have a taxable account. In my case what percentage of bonds should I keep in my Portfolio. Considering that Bonds would be not be...
View ArticleInvesting - Theory, News & General • Re: HSA Bank eliminating investment...
New information for those who have GEHA HDHP:You may have seen communications showing a fee schedule listed on the HSA Bank transition FAQ page. We are pleased to share that the Choice fee does not...
View ArticlePersonal Finance (Not Investing) • Re: Should you retire early? A few notes,...
It has not been brought up yet, so I will. Part time work.I was on an upward trend of corporate management making very good money. Eventually I got tired of being responsible 24/7 despite the very...
View ArticlePersonal Investments • Re: RMD withdrawals -- Bond funds or stock funds first
Stock index funds llke Vanguard Total Stock Market Index Fund are very tax-efficient, and are suitable for any type of account including a taxable brokerage account. Bond funds are not very...
View ArticleInvesting - Theory, News & General • Re: Is it better to withdraw monthly...
I invest monthly with the plan to withdraw monthly. It makes sense to me to employ the same method coming out as what I did going in.Statistics: Posted by Wanderingwheelz — Fri Sep 13, 2024 10:37 am
View ArticleInvesting - Theory, News & General • Re: Why "traditional"...
The other reality is that you’re also likely to have a higher starting balance. If you prefix both with 10 years of accumulation before draw down, I wonder what the impact looks like.Then the...
View ArticlePersonal Consumer Issues • Re: Indoor Plants
I live in the northeast/mid Atlantic part of the country and fall and winter are coming.So the house will be mostly sealed up.Was thinking of getting some indoor plants to improve air quality.Does...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
To create a contribution for the payroll you just processed, as I did for August, you need to select option to add a new contribution date, then select the date you want it deducted. I picked a date...
View ArticleInvesting - Theory, News & General • Re: TIPS [Anyone buying TIPS at 1.6%...
There was a good thread on buying TIPS, understanding the quotes, etc. but I can't find it right now. Anyone happen to have a link to it?I assume it's this one: Trading Treasuries (nominal and...
View ArticlePersonal Consumer Issues • Re: Questions on getting a new desktop computer
Do all modern desktop PCs have bluetooth built in?The one I just bought this summer has it. I don't know enough to say if it is standard these days.Statistics: Posted by lthenderson — Fri Sep 13, 2024...
View ArticlePersonal Investments • Re: Adding real estate and small cap value: when and...
A couple points:1. With 2 houses and a stake in commercial real estate property, why do you want more exposure to real estate? Disclamer: I have used the TIAA real estate fund in the past (and will...
View ArticlePersonal Finance (Not Investing) • Re: Denied comprehensive auto insurance...
Hitting an animal is generally considered a not-at-fault accident that’s paid for under your comprehensive coverage.https://www.finder.com/car-insurance/do ... -an-animalIt would seem that the OP's...
View ArticleInvesting - Theory, News & General • Re: Direct Indexing-personal...
It's not rocket science. Sector ETFs will land between stock-level direct indexing and total market funds in terms of TLH opportunities. Vanguard has the full range available for 0.10% and Fido has...
View ArticlePersonal Investments • Re: Dividend Income Advice Needed
A relative recently moved into senior assisted living facility. The following six dividend payers (KMI, UGI, Mo, ENB, O, and Vz) were suggested to provide the necessary annual income since she has...
View ArticleInvesting - Theory, News & General • Re: HSA Bank eliminating investment...
We both had the "mandatory circa $1,000 cash held at HSA . We each requested an electronic distribution to our Bank accounts from HSA Bank of $1,000 which arrived the following day at our Banks. We...
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Personal Consumer Issues • Re: Trailer Tire advice please.
I would suggest only considering two brands of trailer tires, Carlisle and Goodyear, based on their reputation for reliability and having fewer unexplained blowouts. Carlisle (may now be rebranded as...
View ArticlePersonal Finance (Not Investing) • Re: Capital gains tax, is my accountant...
https://www.calculator.net/tax-calculator.htmlI cannot vouch for how accurate it is, but for the times I have used it to check my accountant, it seems to be.Handles multiple filing modes, and all...
View ArticlePersonal Investments • Re: How best to get rid of my financial adviser?
You will get a call from them. You don't have to answer. But they will act hurt and wonder what they did wrong and why you don't like them like your father did. Been there done that.Paul Simon's 50...
View ArticlePersonal Finance (Not Investing) • Reasons to use probate instead of a trust
.Estate planning often focuses on the benefits of a trust compared to probate.After studying the issue, it appears that probate for my estate might actually be preferable.But I’m not entirely sure my...
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