Investing - Theory, News & General • Re: Modified versions of HFEA with...
However, I don't need data to tell me the probability of a 90% loss is greater over 30 years than it is over 5. The probability of a major natural disaster or social/political upheaval event is...
View ArticlePersonal Consumer Issues • Re: Ridiculous Rent Increase. Normal?
emanuel_v19While I don't live in Seattle itself, I am in the general area and have frequently seen discussions come up about tenants issues on local forums. Quite a few locals have recommended the...
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Personal Investments • Re: Are fixed income and returns of 6.5%
Please do share with us precisely what this PIMCO “expert” was recommending…..Thanks for your comment! - not sure exactly - outside of the fact they were saying 6.5% was feasible in fixed income (and...
View ArticlePersonal Finance (Not Investing) • Re: How to protect your net worth from...
Keep in mind that ERISA plans like 401K have creditor protection. In most states, IRA also have the same protection. However, inherited ira accounts do not have protection. Some states like Florida...
View ArticlePersonal Investments • Re: Portfolio Review
Welcome!Betterment really poured it on didn't they? That taxable account is impressively complicated. First thing I'd do is turn off dividend reinvestment for anything in taxable you know you don't...
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Forum Issues and Administration • Re: Long quotes?
The software limits quotes to be nested up to 5 deep, but that doesn't address how long the quotes can get.There's probably an admin setting to adjust this. The 5 is used when someone starts writing...
View ArticleInvesting - Theory, News & General • Re: Bill Sharpe's preferred portfolio
Opinions are divided on government bonds with reasonable arguments both ways. But the case for including corporate bonds in WBS is more clear cut. Some portion of earnings goes toward paying corporate...
View ArticleInvesting - Theory, News & General • Re: Best book to convince someone...
I think stock market investing is a gamble as much as life is. We choose a career, a spouse, have kids, buy a house, and a car. No one knows how any of the choices will turn out. Investing is just...
View ArticlePersonal Finance (Not Investing) • Re: Is Altruist a good custodian for me,...
Altruist is a legit company started by a veteran of the RIA fintech space with many millions in VC backing. I would not be worried.Statistics: Posted by unclescrooge — Tue Oct 08, 2024 11:24 pm
View ArticlePersonal Finance (Not Investing) • Re: Fidelity NetBenefits account hacking
I think freezing ChexSystems may stop new account creation. The OP indicated the three credit bureaus were frozen but not ChexSystems.Absolutely won't. I've had TransUnion, Experian, Exquifax,...
View ArticlePersonal Finance (Not Investing) • Re: Reasonable Wedding Budget
This is like asking "how much can I expect to spend on dinner?", without saying if you're dining at a McDonald's, or a Michelin star steakhouse. Definitely going to be a lot of variability, but I'll...
View ArticleInvesting - Theory, News & General • Re: Margin Accounts - Avoiding...
for IBKR with no stock yield opt-in, i'm getting around 10% (perhaps up to 20%) of my dividends as dividends-in-lieu; overall a small partThis is for ITOT, VTI, and VXUSOne quarter, i opted in to...
View ArticlePersonal Investments • Re: Cost Basis For Kids When Gifted with Stocks
The first $1200 in unearned income for kids is tax free (Federal, but state taxes may apply). Kiddie taxes may apply for amounts beyond that, but can also be offset by tax credits that parents do not...
View ArticlePersonal Investments • Re: California muni bond fund - which one?
Thank you for explaining your method of getting out money at the lowest taxation. This is actually one of the things I have wanted to play with once I retirePlanning, planning, planning, planning, and...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
Tradeup has a 90 day forfeiture clause, which requires not transferring out until 90 days have passed from the (last?) bonus payment. If you ACATS in now, the soonest quarter end after the initial 90...
View ArticlePersonal Finance (Not Investing) • Re: Eligible for Backdoor Roth?
For clarity, two different questions/processes...If your 401k plan supports "after-tax contributions", and then either has an "in-plan conversion" and/or the ability to do a "rollover conversion" -...
View ArticlePersonal Investments • Re: When should I convert to Roth, if at all?
There are some really long and complicated answers to this question with most referring to the tax bracket you are in when the conversion takes place. I just don't see an advantage to paying the tax...
View ArticleInvesting - Theory, News & General • Re: Why hold nominal bonds at all?...
I actually agree with you OP. I think most individual investors should hold all of their fixed income in TIPS (and I bonds), with the possible exception of liability-matching a mortgage.Statistics:...
View ArticlePersonal Finance (Not Investing) • Finding Home improvement
I need to fund an assessment for repairs, about $40,000. Does it make sense to sell investments in taxable account with mostly long term capital gains or take out a home improvement or Heloc loan at...
View ArticlePersonal Investments • Re: Retire with Less Than $1 million?
"If you don’t have at least $5 million or $10 million, don’t retire early," Suze Orman asserted.https://finance.yahoo.com/news/2-millio ... 11774.htmlStatistics: Posted by bog007 — Wed Oct 09, 2024...
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