Personal Investments • Re: Finally fired my Financial adviser.
It could have been worse- at least I was I could afford to retire, having been a big cheapskate all of my life. Plus I still have my legs and I really like hiking and biking! Here is the ETFS I have...
View ArticleInvesting - Theory, News & General • Re: Concentration Risk in the...
That the concentration risk of individual stocks in the tech sector is at the described level amplifies the concentration risk of the large allocation to tech in the S&P500, so I will stand by the...
View ArticlePersonal Consumer Issues • Re: TiVo vs Xfinity set top boxes
... I believe my Xfinity bill that Xfinity is discontinuing cable cards starting in October. In fact, per some online discussion, you can't get a replacement cable card as they no longer have them....
View ArticlePersonal Investments • Re: 10 Year Plan
The portfolio contributions would be $6MM by Jan 1 of 2030, plus whatever value it gains ... or loses ... during that time. At the end of this 5 years, contributions would be $4.5MM plus whatever...
View ArticlePersonal Finance (Not Investing) • Re: Is It Safe to Keep Vanguard/Banking...
An updated app on an updated OS on an encrypted phone with biometric login, and multi factor authentication setup with the bank, is the safest way to interact with your financial accounts that exists....
View ArticlePersonal Finance (Not Investing) • Re: Debt averse but took 0% car financing...
Update (9/30/24):I've made 40 payments (out of 60). Current loan balance is about $6,500. Should I pay it off?I would still have a 6-month emergency fund after paying it off.Statistics: Posted by indx...
View ArticlePersonal Investments • Re: Optimal way to reallocate large account to 3 fund...
It's not super over-weight in any individual stocks (2 at 12%, the rest are under 10% of the portfolio), but I don't want to have to pay attention to the individual securities and worry about the...
View ArticlePersonal Investments • Re: Which tool do you use to measure your asset...
Current AA and drift from a target is calculated in my personal spreadsheet on GDocs. However I don't rebalance as its something like 95 ITOT / 3 BND / 2 cash. I will start building the short term...
View ArticlePersonal Investments • Rebalancing Portfolio Help
After some help here, I have a rearranged ask:Emergency funds: 3 months Debt: Mortgage $125.5k 3.875%Tax Filing Status: Head of household (divorced)Tax Rate: 24% FederalState of Residence: TXAge:...
View ArticlePersonal Consumer Issues • Re: Neighbors Visiting Open Houses
Photos, no matter what quantity or quality, are no substitute for an open house where you can get inside and really look the place over.Statistics: Posted by rogue_economist — Tue Oct 01, 2024 10:03 pm
View ArticleInvesting - Theory, News & General • Re: The One-Fund Portfolio as a...
Using tax-efficient asset location usually means keeping mostly (or all) stock in the taxable account. Wouldn't switching to an "equal location" (mirrored allocation) setup or a single fund would mean...
View ArticlePersonal Investments • Re: Exchange to vanguard institutional shares
Do not exchange from one fund to the other. That is a sale and a purchase.I would call Vanguard and ask if they can upgrade to the better share class without a taxable sale.Statistics: Posted by...
View ArticlePersonal Investments • Re: Need help with Roth conversion
i presume that you do not have a pension, since you did not mention one. and that you dont need your current level of income to live on once you retire. in that case, it probably is better if you...
View ArticleInvesting - Theory, News & General • Re: Morningstar redefines...
So now if you look at the historical style, it says in 2023, it was large growth and now it's large blend. How is that helpful with no context that it shifted because they changed the benchmark??It's...
View ArticlePersonal Consumer Issues • Re: CA Sent me Tax Bill on House Sold 2 Years ago!
I’d ask the county tax assessor to cite the laws and rules that support this issue. Do you still live in California? If not, tell them to go pound sand.RTC § 11318 allows escape assessments going back...
View ArticlePersonal Finance (Not Investing) • Re: Companies that have a pension and 401k?
DeloitteStatistics: Posted by bubbly — Tue Oct 01, 2024 10:12 pm
View ArticlePersonal Investments • Re: Help with RMD Advice for my Dad Please
There are a couple of possibilities. The easiest is to reinvest it in your taxable account. For example, you can RMD equity and then reinvest in the same equity, essentially retaining the same...
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Personal Finance (Not Investing) • Can a person work too long and miss...
Is there a case to be made that working too long would negate some tax saving/planning benefit? Such that it would cost more to work than to retire.I feel like we have plenty to comfortably retire and...
View ArticlePersonal Consumer Issues • Re: Southwest airlines (2024) Get Away Plus fare...
I understand it as follows: The "flight" just has to be originating from the same airport and ending up at the same destination airport. Whether there are connections or not doesn't matter. There just...
View ArticlePersonal Investments • Re: 415c limits
403b plans have unique aggregation rules for 415c limits. I’m not sure they apply in this particular case, but see an example here:https://www.morganlewis.com/blogs/mlben ... 403b-plansStatistics:...
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