Personal Consumer Issues • Re: Tesla Model 3 Is The New Toyota Camry?
I bought a 2024 LR M3 last year and couldn't be happier with the purchase. The amount of tech / engineering you get for the price is unmatched. The buying experience itself is light years ahead of the...
View ArticlePersonal Investments • Re: Fidelity Issues [how to get money out of closed...
Hi, Fidelity closed my account on October 25th with active positions. Told me that they reserve the right and to call 16 business days later to withdraw funds. Now they’re asking for a signature of...
View ArticleInvesting - Theory, News & General • Life expectancy & inflation risk
Don't know why I've never contemplated this but I've recently realized that inflation becomes much less of an issue for someone who only has a short time to live. Let's take two individuals, both with...
View ArticlePersonal Finance (Not Investing) • Re: How do you deal with the mental...
https://www.businessinsider.com/financi ... an-2024-11I just read this article and I can relate with it. So, I am wondering how others on hdhp deal with the issue. Specifically, how do you avoid...
View ArticlePersonal Investments • Re: FHLB Bonds
While that is true, the FHLBs did have to be bailed out by the fed govt during 2008-09. And there's no legal guarantee govt had to do this, just an implied one. Same thing happened in the 1980s. FHLB...
View ArticlePersonal Finance (Not Investing) • Re: Helping FIL with finances
If he is on Medicare and has low income and few assets, he may qualify for one or more programs designed to help pay Medicare premiums, copays, and deductibles. https://www.medicare.gov/publications/1...
View ArticlePersonal Consumer Issues • Re: Did Hertz deceptively make me sign up for...
Been renting cars for 20+ years and I ALWAYS decline all insurance. I want to know from people who have used Hertz if they agree this is a deceitful practice to get you to sign up for insurance...
View ArticlePersonal Finance (Not Investing) • Going to itemize next year, Am I missing...
We have no mortgage but thinking about itemizing next year and batching tax and charitable donations.Am I missing anything below that I could be deducting?Pay 2024 property tax in JanuaryPay 2025...
View ArticlePersonal Investments • Re: Pause Plan to Add International
The need for intrnational stocks funds for US investors is actually not all that clear cut. Historically there has been little if any need. Here is a graoh I just googled...
View ArticlePersonal Consumer Issues • Re: Anyone turnoff house main water shutoff when...
If the water in your heater doesn’t reach its terminal temperature and stay there for a while, you aren’t saving any money by temporarily lowering it for a few days. It costs just as much to bring it...
View ArticleInvesting - Theory, News & General • Re: Age 60+ AND retired? What's your...
This is a "No Politics" forum. I removed an off-topic political comment predicting economic instability with the next presidential administration. As a reminder, see: Politics and ReligionIn order to...
View ArticlePersonal Investments • Re: Chronically ill, unemployed, but need income....
You could invest that 130k in say an s&p 500 index fund. But with a 4% withdrawal rate you can only count on a little over 5k a year.Statistics: Posted by Sodak — Mon Nov 25, 2024 6:57 am
View ArticlePersonal Investments • Re: 100% in s&p 500 index in your 40s
I'm sure there are a thousand threads on this by now. It's not unreasonable to be 100% S&P. Simply saving as much as you can is still better than most people can or choose to do. In general you're...
View ArticlePersonal Consumer Issues • Re: downgrade my internet service from 100Mbps to...
We don’t have cable/fiber access in our neighborhood so have this wireless over the air internet and our plan is 30mbps - would Love 300 but we get by ok. Hope you fix your issue.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Re: Roth conversion at 32% bracket...
If one has heirs, the taxes on a tax-deferred account will be paid. The only questions are: by whom and at what tax rate.Because of the SECURE Acts, heirs must empty tax-deferred accounts within 10...
View ArticlePersonal Consumer Issues • Re: What's your opinion on EV for your tech...
This is it. I would stick w an ICE vehicle with familiar controls. I feel for you. Your parents are from PRC? Or perhaps HK? The blinding speed of change in those places, to become some of the most...
View ArticlePersonal Investments • Re: Single Stock Keep or Sell
Don't wait for some sort of rebound, because nobody knows if that will happen. The guaranteed benefit is that right now, due to the recent drop in price, there are fewer capital gains if you sell it...
View ArticlePersonal Finance (Not Investing) • Re: Inheritance impact on Roth Conversion,...
Whether you “slow roll” or not the inheritance in 2025, any account income earned after the date-of-death belongs to the beneficiary and not on either the estate return or the decedent’s final...
View ArticleInvesting - Theory, News & General • Re: Avoiding the black hole of...
ll of this factor stuff could be completely wrong, but small cap growth still, as an asset class, has under performed consistently, as is expected by those factor models.This is doubly wrong. Again,...
View ArticlePersonal Investments • Re: Need for reits if you own real estate?
My investment accounts are part of a portfolio that includes pretty extensive real estate holdings, all in the mid-atlantic region, concentrated in an NNN comercial property and a vacation rental...
View Article