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Investing - Theory, News & General • Re: Why have asset allocation...
“One of my favorite stats: since 1971…”So a sample size of less than one lifetime. Absolutely no one knows what’s going to happen next. Look back periods of 50 years are less than useless.This idea...
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Personal Investments • Re: INVESTING IN 2025 MARKET HIGH AT 65
I am a single female turning age 65 in March. I would like to reallocate and invest my money into some growth and dividend ETF's for. Given the market is at and all time high coming off of 1-2 strong...
View ArticlePersonal Finance (Not Investing) • Re: Citi Costco Card now 5% @ Costco Gas
We only buy Gas at Costco unless we are traveling, so this extra 1% cash back is great. Definitely easier to psy with the Citi Costco visa, simple tap and pay. To pay with another CC, you have to...
View ArticlePersonal Consumer Issues • Re: Vendors for NAS hard drive
In addition to what others have said, if I can't get my computing equipment at a competitive price locally through something like MicroCenter I've been looking at ProVantage. I have only done a couple...
View ArticlePersonal Finance (Not Investing) • Re: QCD acknowledgment letter
Side question: I've been using DAFs till now. 2025 is the year I start QCDs with Vanguard. Will I have to manually address the envelope to each charity or might I get addressed envelopes along with a...
View ArticlePersonal Investments • Re: Investment Advice for my 77 y/o Father
Thank you for all the replies. I will be replying to each and every one of them. You've all provided many things to think about and some I haven't even heard about it.We live in a high cost of living...
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Personal Investments • Re: Does anyone use the Merton Share?
For the market risk level, instead of measuring this directly, practical considerations have led us to use as a proxy a 1-year momentum signal, which measures whether the market is above its 1-year...
View ArticlePersonal Finance (Not Investing) • Re: triple checking 8606 when did both the...
Just a triple check. Last year 2023 (unfortunately) had taxes withheld but did not do an indirect rollover from taxable to Roth to refill the taxes withheld. This year, 2024, did the conversion AND...
View ArticleInvesting - Theory, News & General • Re: Total Portfolio Allocation and...
Appreciate the tool Ben. Listened the RR episode a couple different times already. Glad to hear you're finding the tool and the discussion useful.If this hasn't come up already, as I'm working my way...
View ArticlePersonal Consumer Issues • Re: By request - PSA on Google and javascript
You can also look at using the Tor browser. To see how it does this, read this article How does the Tor browser protect against browser fingerprinting | cyberly.org.Statistics: Posted by enad — Thu...
View ArticleInvesting - Theory, News & General • Re: Retirees: at what age...?
I used to want to retire early, but I found that kind of thinking lead me to obsess about money and the kind of distorted thinking you see in the FIRE community (IE, "We're both doctors, NW $10M, can...
View ArticleInvesting - Theory, News & General • Re: The Childfree Guide to Life and...
Question from a fellow childless BH. You mention ability and willingness to take more risk, and also no inclination to leave an inheritance. I strongly agree with both, but how do you balance this?...
View ArticlePersonal Finance (Not Investing) • Re: Social Security viability in future:...
Yes, there are many factors at play, the largest in this case might be if you selected potential cut. If there is a cut, you want to receive more payments BEFORE the cut occurs to maximize your total...
View ArticlePersonal Investments • Re: Endorse? David Giroux, T. Rowe Price Capital...
For anyone interested...DG also runs the stock portion of PRWCX as an ETF.The stock portion of PRWCX and the ETF TCAF do not appear to be identical. An interesting goal of TCAF is lower risk and...
View ArticlePersonal Finance (Not Investing) • Re: How long to maintain copies of...
I know it been asked and answered before, but how long do we need to keep tax documents and 1040s etc in a retrievable form (paper or electronic pdf, whatever) . I've got paper copied going back to...
View ArticlePersonal Finance (Not Investing) • Is a 5-Ton HVAC System Properly Sized for...
We recently installed a heatpump based HVAC system in our house, which is 3,200 sq. ft. with 12 ft. ceilings. The contractor installed a 5-ton system, but I’m wondering if there’s a way to confirm if...
View ArticlePersonal Finance (Not Investing) • Re: Power of Attorney for Bank or...
And if you have someone who you believe may become incapacitated, DO IT NOW!Due to a somewhat unique circumstance, we needed a POA to access a business account my homebound MIL owned. Due to her long...
View ArticlePersonal Investments • Re: Roth Conversions when in Highest Tax Bracket
Not to hijack this thread, but I'm curious about this related scenario:- An 80 year old (assume retired) that has assets above the current estate tax exemption amount- Has ~$7MM in traditional IRA and...
View ArticleInvesting - Theory, News & General • Re: Vanguard fined > $100 million...
Probably not.They can just take the money from yearly profits and take it out of the yearly employee profit sharing plan along with, perhaps, other places where they plow the profits too.The whole...
View ArticlePersonal Consumer Issues • Re: Was my certified letter lost?
Agree tracking can be delayed sometimes. I’d give it another 3-4 days from expected delivery date and then reach out to the post office for a trace.I did have once instance many years ago when a...
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