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Investing - Theory, News & General • Re: International (Non-US) versus US...
Also funny that those that advocate broad diversity of assets, may then propose that you concentrate into just one group of assets. Owning a home + imputed rent is somewhat stock + dividends like,...
View ArticleInvesting - Theory, News & General • Re: Thoughts on Bill Bengen...
yes; we dropped back to 40/60. Stayed approximately there for 10 years. Now up to 50/50 and will never re-balance out of equity again. As stocks rise equity allocation will rise. When RMDs start in...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Are you all just transferring in 100K and about to pay the $50 fee?I transferred the $250k to avoid the fee.There's conflicting information on fees at $100K, here's one...
View ArticlePersonal Consumer Issues • Re: Outdoor security camera recommendations.
I am willing to invest in the safety of my home and family so willing to spend, if need be. I've looked into security cameras and my first suggestion is to think carefully about what you expect a...
View ArticleInvesting - Theory, News & General • Re: Macroeconimc Entropy and Central...
This thread has run its course and is locked. Theories about government monetary and fiscal policy are off-topic and not allowed on this forum. As noted in the site owner's post in the locked thread...
View ArticlePersonal Investments • Re: Take some money off the table?
It’s not market timing if you change your IPS every time you feel like you should buy or sell. ( that was a joke!!). I am a 65/35 guy at age 63 with my monthly expenses covered by pensions. I do 50%...
View ArticlePersonal Finance (Not Investing) • Re: is it a good idea to build...
I want to help them "launch" into the world by paying for college, being a good parent, and providing a stable, happy childhood.My wife and I have the same general idea. I'll add that we might...
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Personal Consumer Issues • Re: old natural gas furnace malfunctioning
A few ideas? (Not an expert, just been there, done that)Dumb question - is the gas line “on”, after the summer? Just double checking…if it has a shut off. Oil and propane tanks do. Sometimes it’s...
View ArticlePersonal Consumer Issues • Re: Hedonic treadmill regrets?
I regret buying an "actual treadmill". Used it for awhile, then less, then thought about using it, then wished it did not take up so much space.Finally I sold it for about 1/10th of the purchase...
View ArticlePersonal Finance (Not Investing) • Re: What is a simple way to think about...
Why do you want to buy bonds? There are good reasons for it, but the decision of whether to buy them, and which bonds to buy, depends a lot on your reason.The most likely reason is that you want to...
View ArticleInvesting - Theory, News & General • Re: Small cap value stock premium -...
The theory is that return is higher due to some risk, not necessarily just volatility.Volatility is one form of risk, which can mean many other things besides "I lose everything I have."Statistics:...
View ArticlePersonal Investments • Re: 30 Y/O, thinking of adding fixed income
30 yrs old with 2+ Million - Well done!We should be asking you for advice.Statistics: Posted by LikeNumbers — Sun Dec 01, 2024 8:07 am
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Personal Investments • Re: Leveraged ETF => Stock options: Wash sale?
No, they won't, if you do purposeful manipulation like confounding a long position with an option position on the same equity they have no way to account for it.Hmm ... I was not aware of that....
View ArticlePersonal Investments • Re: How Much AUM Underperformance Is Reasonable
What’s the asset allocation of the AUM?For me it would be asset allocation minus fees being the under performance threshold.Statistics: Posted by stimulacra — Mon Dec 02, 2024 8:20 am
View ArticleInvesting - Theory, News & General • Re: Static vs Dynamic Asset...
https://www.bis.org/publ/bppdf/bispap72l.pdfThe idea of risk-free sovereign bonds is best thought of as an oxymoron or as an anomaly of recent history. It is not a useful, necessary or an enduring...
View ArticlePersonal Finance (Not Investing) • Re: Paying for rent is throwing away...
Going on year 5 of home ownership since I made the original post. Net-net I'd say its a consumption item. I think my own answer to the question 5 years later is no, paying for rent is not "throwing...
View ArticlePersonal Finance (Not Investing) • E*Trade Max Rate Checking Terms Change
The terms for waiving the account management fee have recently changed. Previously, you could avoid the fee by meeting any of the following:Holding $50,000+ in assets with E*TRADE/Morgan StanleyHaving...
View ArticlePersonal Consumer Issues • The cost of car ownership
I was going through the MIT living wage data and notice the following for my area.Transportation: $10,133. The stats are apparently from https://www.bls.gov/cex/tables/calendar ... e-2022.pdf.This...
View ArticlePersonal Consumer Issues • Re: What’s the deal with turntables?
A few years ago Darling One and I discussed what we would move with us if we decided to move. Would it be vinyl or books. We have tons of both. We both agreed it would be vinyl. That made me smile.The...
View ArticlePersonal Investments • Re: Yet Another Roth Conversion Scenario
1. Wife and I are fully retired.2. Married filing jointly.3. Both 61 years old.4. Probably can not be talked out of taking SS at age 62 (September & October 2025).5. $3M in retirement saving. All...
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