Investing - Theory, News & General • Re: A Three Fund Factor Weighted...
It is still very hard for me to willingly pick LTT lol, but its risk adjusted returns long term with stocks are simply better it seems. It does not feel that way because HY bond expected returns in...
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Investing - Theory, News & General • Re: What motivated you to save money?
When I was in my 20's I saved enough only to get myself from one situation to the next, like moving from one town to another or putting myself through school.I always had guilt about not saving more...
View ArticlePersonal Consumer Issues • Re: Repair or Replace 2012 Camry? Need advice!
I agree with the need for a second opinion. I'd do some research and find a well regarded local mechanic vs. the dealership.Statistics: Posted by Outer Marker — Thu Nov 28, 2024 7:29 am
View ArticlePersonal Finance (Not Investing) • Re: Retiring in 2 weeks - what should I do...
If you are looking to buy a new car via financing it would be easier to do it while still employed. Also, taking out a HELOC while still employed is also easier. You don't have to draw the HELOC but...
View ArticlePersonal Finance (Not Investing) • Re: Seeking Advice: Does It Make Sense to...
Paint, new carpet, spruce up your front door/entryway and fix anything broken. Clean thoroughly. Remove all personal photos, extra furniture and 1/2 of what is in closets. No renovations or...
View ArticlePersonal Finance (Not Investing) • Re: Improving the TSP [for current...
Roth in-plan conversion is coming to the TSP in January 2026. Nords shared this article on LinkedIn https://www.fedsmith.com/2024/11/21/ro ... d-changes/Statistics: Posted by Fishing50 — Thu Nov 28,...
View ArticlePersonal Consumer Issues • Re: Low-tech washing machine?
Old tech may be simpler and thus more reliable, but imagine 100 million households using an extra 20-25 gallons of water per wash load than they need to. That's 2.5 billion gallons of water saved per...
View ArticlePersonal Investments • Re: Portfolio Feedback for Long-Term Retirement Goals
Your number should be revised to account for the 3 kids. They are expensive any way you slice it.Statistics: Posted by snowday2022 — Thu Nov 28, 2024 7:34 am
View ArticlePersonal Consumer Issues • Re: Your favorite slippers
When I lived in Germany, Schawos was my favorite brand of hausschueAny time I had to make a business trip to Europe I'd try and find a new pair.I was even able to purchase a pair from Amazon here in...
View ArticlePersonal Finance (Not Investing) • Re: Seeking Advice - Dad buying a first...
Mine is likely a minority view, but I didn't and wouldn't buy my 16 year old a car. The family car was a useful tool to teach and reward responsible behavior. And useful when one needed to ground a...
View ArticlePersonal Investments • Re: Portfolio Plan Check
With a marginal tax rate of 32%, doing Roth conversions of all tax deferred balances now and making Roth (rather than traditional) retirement contributions doesn’t seem optimal. Doing mega backdoor...
View ArticlePersonal Investments • Re: Wellesley outflows … why?
Hi. I only get the free Mstar pages, too. I did create the free account. Not sure that matters. Also not sure I can post a screenshot here, because it’s easier to see visually. I’m not referring to...
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Personal Finance (Not Investing) • Re: H&R Block 2024 software offer
The Amazon software library still has a record of your purchase and keeps your product key there permanently for future use. The only difference is that there is no longer a button to push to download...
View ArticlePersonal Finance (Not Investing) • Re: Expecting Layoff / How to Prepare
How does taking part-time work impact unemployment? If Tennessee offers $275/week and I get a job paying $15/hr for 20 hours per week that would be $300. Does this negate unemployment for each week of...
View ArticlePersonal Finance (Not Investing) • Re: Help me budget for 2025
At your income level, and the level of spending in other categories (especially vacationing), your dining out number seems very low. You should check out You Need a Budget (YNAB).Statistics: Posted by...
View ArticlePersonal Investments • Re: 20 years with same asset allocation -- thinking of...
Sounds to me that you are suffering from recency bias. There is a reason that Jack Bogle insisted that we "stay the coarse."Statistics: Posted by Call_Me_Op — Fri Nov 29, 2024 7:34 am
View ArticleInvesting - Theory, News & General • Re: Thoughts on Bill Bergen...
I used the strategy but not because I thought I was getting something free. I did it to insulate myself from behavioral errors/risk. I have no doubt I left money "on the table" but my goal wasn't to...
View ArticleInvesting - Theory, News & General • Re: Wellesley outflows … why?
maybe you're referring to this: https://www.morningstar.com/funds/hang- ... s-outflowsthe article says just because there's outflows doesn't mean the fund will suffer. the fund's long term performance...
View ArticlePersonal Investments • Re: Mitigating SORR with income funds
From analysis I've seen, Wellesley's performance is comparable to other balanced funds when no withdrawals are taken.Best to say “has been comparable”. And then figure out the reason why that might...
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Personal Investments • Re: Portfolio review. Windfall and transitioning from...
Use any of these portfolio projection tools for your needs.Engaging Data Site:https://engaging-data.com/early-retirem ... and-tools/TestFolio Website:https://testfol.io/Portfolio Visualizer...
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