Investing - Theory, News & General • Why do the total stock market and...
Because FAANG then Mag 7. These behemoths drive most of the market gains. Nvidia is worth more than entire sectors at this point.Statistics: Posted by Dontsell1 — Sun Aug 10, 2025 9:18 am — Replies 27...
View ArticlePersonal Investments • $750k at 32 - reconsidering 100% S&P500;...
What other index fund in vanguard I should be investing in to balance things out? The recommendation I've seen is to add international stocks to the portfolio (I was thinking VTIAX).What do you mean...
View ArticlePersonal Consumer Issues • ATM Withdrawals Internationally
I have had good experiences with Sparkasse ATMs in Bavaria and Baden-Württemberg. No DCC, not even a transaction fee apparentlyStatistics: Posted by torso2500 — Sun Aug 10, 2025 9:20 am — Replies 37 —...
View ArticlePersonal Investments • Advice on "funneling" funds from MM to Roth...
If you are deferring 90% of your regular income going forward, that won't leave enough to max the Roth IRA.Part of my income is actual working/earned income, part of my income is child support/spousal...
View ArticlePersonal Investments • Pros and cons of investing heavily in real estate
I won't go into all the details, but for many reasons, including those listed already by others, I think buying more real-estate than you already have is far more risky than sticking with how your...
View ArticlePersonal Investments • Brokerage Account with TOD for Kids—Smart Generational...
No, this is a terrible strategy. TOD to minors will require court appointed guardians with court supervision. Speaking from experience this is cumbersome on the guardians. The money will also then go...
View ArticlePersonal Finance (Not Investing) • Dynamic Currency Conversion scam in Spain
I have not been to Spain in some time. I see one example of the interface on the POS provider's website (first image on page):https://developer.globalpay.com/hpp/dccI wonder if (like in the US!) the...
View ArticleInvesting - Theory, News & General • Bernstein and McQuarrie - Roth...
When someone intends to convert “Taxable” into Roth (or conversion taxes) - increasing Roth bucket - it’s good. This “assumes” multiple things: The Taxable monies - if being liquidated- doesn’t have...
View ArticleInvesting - Theory, News & General • Does the Rule of 7 apply globally or...
Can you cite a source or some sort of description for this rule? I've never heard of it in the context of stock market returns. I have heard of the rule of 72. Regards,Statistics: Posted by retired@50...
View ArticleInvesting - Theory, News & General • What's up (or down) with TIPS?
At first impression, the visual pattern strikes me as support of the viewpoint that one may as well divide Treasury holdings 50:50 TIP:nominal as dots are crudely 18:14 above and below the line. Is...
View ArticlePersonal Investments • Portfolio Review Requst – Retired Pennsylvania Couple
Aren’t you entitled to half of his social security benefit as his spouse vs. your lower benefit? I would think you should be entitled to about $23,000.I think one is entitled to 50% of the spouse's SS...
View ArticlePersonal Finance (Not Investing) • ACA health insurance will cost the average...
I assume this is the same thing: in VA, it appears the average is 20%: https://www.scc.virginia.gov/about-the- ... 2026-.htmlhttps://www.scc.virginia.gov/media/sccv ... ap2026.pdfStatistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Using assets in retirement
But last thing you want is to leave $ in an HSA to an heir (which will be ordinary income) when it could've been used to reimburse yourself tax-free.non-spouse heirStatistics: Posted by RyeBourbon —...
View ArticlePersonal Consumer Issues • Do 4 wheel drive trucks need exercise?
I'd be inclined to follow what the dealer suggests since the car is likely still in warranty. I have a 2008 RAV4 with 4WD. I only engage 4WD when I am on an unpaved road of questionable quality or...
View ArticlePersonal Consumer Issues • Helping nephew with college choice(s)
Did find out today that he's not got his heart set on Princeton - he did think that the environment there is what he's interested in. He'll probably apply but it isn't an absolute must have...
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