Personal Finance (Not Investing) • Re: Sorry, another wash sale question
Technically, it's a wash sale...You really think so? Do you think it would have been treated as a wash sale in the days before computers, with all shares sold in a single order? I don't.It might be...
View ArticlePersonal Consumer Issues • Re: LAX transportation options to Morton Grove, CA
Yes, I goofed. The correct city is Garden Grove. I'll update the title as well.You'd be much better off flying into Long Beach (LGB) or John Wayne (SNA) if you can arrange it. If you do come into LAX,...
View ArticlePersonal Investments • Re: Deciding what to do with a parent's annuity
If your parents are retiring soon, they could just start taking payments from the annuity, in other words turning it into a pension with the monthly payments. There might be favorable income features...
View ArticlePersonal Investments • Re: ETFs
One reason I like ETFs is that I know the price when I buy or sell a market order. For a mutual fund, the price is only determined at 4pm EST, so if you place an order at 1pm, you have no idea what...
View ArticlePersonal Consumer Issues • Re: What are you listening to now
AlohaBill, Love your routine with your wife. Hard to think of a healthier habit both for body and mind.When the thread was talking about Chicago, I immediately thought of Blood Sweat and Tears and...
View ArticlePersonal Finance (Not Investing) • Re: Where do I get a loan for $200k
And $700k a year a signature loan shouldn’t be a problem. Talk to your bank, or talk to a fancier bank. I definitely do not make 700k a yearSo then your capital gains rate in Cali isn’t...
View ArticlePersonal Investments • Re: How much of mega backdoor Roth conversion is...
I'm trying to determine the amount I can withdraw upon FIRE (let's assume 2025 for ease of calculations). Ideally (at least for most people) you would withdraw $0 from Roth accounts this early in...
View ArticlePersonal Consumer Issues • breathalyzer as an optional car safety upgrade
i have an idea but i have never heard of anybody doing this, so i wonder if it's even possible or is there a good reason why nobody does it.my idea is to voluntarily install a breathalyzer ignition...
View ArticlePersonal Consumer Issues • Re: Home Paint Sheen
Walls in all rooms but bathrooms are Flat and it was a big mistake. Impossible to keep clean. Definitely wished we had done eggshell, or any gloss just above Flat.Statistics: Posted by Beck49 — Mon...
View ArticlePersonal Consumer Issues • Re: Is there any thought on an end to the housing...
No, we don't have forces that are causing population growth. The fertility rate has declined substantially. This is what is causing concern about social security, because a declining population and...
View ArticlePersonal Finance (Not Investing) • Re: Setting up financial accounts for...
Please don’t set up joint accounts. It’s best to have full privileges for your mom’s accounts to pay bills and manage investments. Make to fill out beneficiary forms. Schwab is very good to work...
View ArticleInvesting - Theory, News & General • Re: Brokerage / ETF / custodian...
companies keep track of who owns each stock of the company. They also keep track of the brokerages holding those shares. The way when they pay dividends o proxy votes information. Vanguard and...
View ArticlePersonal Investments • Re: VUSXX = 80.6% U.S. Treasury for 2023
So....are most of us thinking the VUSXX earnings will be close to 100% USGO in 2024?Would be nice if the prospectus had more detail which would be useful to those in high tax states.Statistics: Posted...
View ArticlePersonal Consumer Issues • Re: breathalyzer as an optional car safety upgrade
they are all college age and promise not to drink and drive but i thought this is something to do for my peace of mind.thoughts on what i can do other than of course continuous teaching and...
View ArticlePersonal Investments • Re: Updating my three fund with a new options?
When I set up my portfolio in 2007 I decided to split my fixed income between bond index and stable value understanding what each of those products was and generally how they behave in response to the...
View ArticlePersonal Consumer Issues • Re: Traveling to Budapest and Vienna for...
Budapest - terror museum, monument park, community thermal spas (there are several).The monument park (communist statues) is somewhat outside the city but was something totally different for us. The...
View ArticlePersonal Investments • Re: IRA Draw Down Strategy to Reduce RMD
There are a number of calculators you can use to get good, more exact estimates.With 1.9m in IRAs I would be moving some of that to a Roth prior to adding a second SS income stream, and later RMD's.I...
View ArticlePersonal Consumer Issues • Re: Visible+ vs Verizon: experiience?
I’ve had their $25 month for 3 years, never had a problem,Love that it includes a hotspot.I suggest you start with this plan and see if it meets your needs.Hot spot appears to now only be on Visible+,...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
I'm ready to take my Roth i401k to Schwab. I currently have a Trad i401k with Schwab holding a Schwab bond index fund and it's been zero-maintenance, zero-interaction actually, but at least zero-fee....
View ArticlePersonal Investments • Re: Considering a Silac Denali 14 FIA to incorporate...
Honestly, other than maybe serving as an extra hurdle to keep you from doing something rash when the stock market is struggling, no “advisor” is going to beat a very simple low cost broad market index...
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