Personal Consumer Issues • Re: How to replace Windows with Linux, easy
Yep, about once a year, on average, I have to do a complete reinstall (in which case the data on the old HDD is still easily recoverable).I think that I have reinstalled only once in (more than) 30...
View ArticleInvesting - Theory, News & General • Re: Scratching my head about current...
Stocks are overvalued. So you sell them. Now the market tanks. How do you decide to get back in again? Do you catch falling knife? Do you wait until there is a turnaround. How do you know that in real...
View ArticleInvesting - Theory, News & General • Re: What do Financial Gurus mean...
If a guru says put 2% of your portfolio in i.e. crypto, gold, hedge funds, timber, rare earth metals... I'm simply trying to nail down what the strategy is behind it. Pick 1:1. Start with 2% and let...
View ArticlePersonal Investments • Re: Should we start doing Roth conversions?
In most cases, there’s not an absolute right or wrong answer regarding whether to do a Roth conversion. Generally, it is a comfort issue and desire to have more tax diversification…even when using...
View ArticleInvesting - Theory, News & General • Re: Roth: Which shares to sell...
Geologist answered your question.I am a bit concerned with your plan to time the market. How do you know this mutual fund will be priced lower down the line? How will you know when its price is at or...
View ArticlePersonal Finance (Not Investing) • Re: Clarification on IL State Tax Loophole...
Hi All - I've been in the weeds a bit reading various threads about how the state of Illinois doesn't apply state income tax (4.95%) to Roth conversions and have a couple questions.Each year, on the...
View ArticlePersonal Consumer Issues • Re: How Do You Make The Best Cup Of Coffee?
GMAB, this is like saying I have a Chevy Vega and asking what is the best car that I can get? Why not just ask how can I make a much better cup of coffee than the one that I get from a Keurig (from...
View ArticlePersonal Investments • Re: seeking Vanguard money market alternative
For what it's worth XHLF may also own non-Treasuries.Source: https://bondbloxxetf.com/wp-content/upl ... 8-2024.pdfBONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASURY ETF...Summary of Principal...
View ArticleInvesting - Theory, News & General • Re: Shiller PE now near 39 - 2nd...
Siegel thinks the expensive mega cap tech stocks may be flat:Economist Jeremy Siegel expects the S&P 500 to have a “much quieter” 2025 than it saw over the past two bullish years, returning 0% to...
View ArticlePersonal Investments • Re: 40yo. Just Crossed 1mm Net Worth. How are we Doing?
In the 32% bracket, those backdoor roths are pretty expensive; it's a lot of ground to make up. Might run the numbers for investing in a regular taxable account and pay cap gains eventually (or not,...
View ArticleInvesting - Theory, News & General • Re: Inheriting a trust and taxes -...
TAn extended family member just inherited some annuities in a trust from his parents. He said in order to get some money out of one of the annuities the insurance company required him to open up a...
View ArticlePersonal Finance (Not Investing) • Re: Do Catastrophic LTCi policies exist
Does the policy say "New York Partnership for Long-Term Care" on or near the very first page?Also, what letters/numbers are in the bottom left corner of page one or the bottom right corner of page...
View ArticlePersonal Finance (Not Investing) • Re: Credit card strategy: Should I have a...
You could add a Mastercard or Amex if you wanted to for even greater protection from a single point of failure in the financial system.FWIW, CapOne will supposedly be switching some of their cards to...
View ArticlePersonal Consumer Issues • Re: Locked Out of New Dell XPS 8960 After McAfee...
can you do a reinstall or a reset to an earlier date before the changes were made?I cannot use the PC. I am locked out because it says something happened to my PIN and it won't let me create a new...
View ArticlePersonal Investments • Re: Does anyone else really not want to rebalance now?
Agreed! I use Lifestrategy 80/20 VASGX same strategy. Money goes in and I do not have to look at it.I've thought before that if I had just used target date funds (at least in retirement accounts), I...
View ArticlePersonal Finance (Not Investing) • Re: How Much do you gift your children?
I don’t think any more examples are needed hereBy the if you really want to be politically correct DH indicates neither the gender of H nor the gender of the person using the term of endearment. But I...
View ArticlePersonal Investments • Re: Where to put cash for a CA resident in the highest...
Hi Everyone;We are about 5-7 years from retirement, and my goal is to have about 2 years of expenses in cash equivalent by the time we retire. i plan to slowly put part of our monthly savings into...
View ArticlePersonal Investments • Short and Long Term Asset Allocation for 529
My son (only child) will have two years left in college after this year. Fortunately, we'll have over half of the account remaining after all is said and done.My plan is to keep what will be required...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
I did an ACH push from Fidelity for it all.If this were before Sept/Oct-2024, I would have suggested you pull the money back using Fidelity. However with the recent Fidelity issues, your funds could...
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Personal Investments • Re: Question/Confusion/Resistance/Education
Comments....and confusion first off a Roth IRA is not a good place for bonds because this account grows tax free, so you want the highest growing investments there, which means stocks. Before I...
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