Investing - Theory, News & General • New Vanguard Fees?
Seems to me anyone who has used other brokerages for similar services would not be surprised by these fees nor so concerned.I've never heard of a fee on ADR dividends.Statistics: Posted by chinchin —...
View ArticlePersonal Finance (Not Investing) • Opening a checking account for business...
As I move forward on building my consulting, I have previously never created an LLC or entity, just single proprietor and filed Schedule C.I have had payments made to my personal account in the...
View ArticlePersonal Finance (Not Investing) • Medical billing with & without insurance
Hospitals and medical providers know that the uninsured bills won't be paid, so they can bill whatever ridiculous number they pull out of a dark place. Then they can claim the high cost of treating...
View ArticlePersonal Investments • 403 b funds Fiducisry advice vs Equit rep
If you could copy and paste a list of all your 403b options, including the expense ratios, that would help you get better replies.Statistics: Posted by FiveK — Fri May 03, 2024 8:12 am — Replies 1 —...
View ArticlePersonal Finance (Not Investing) • 1040X for Form 2210 Annualized Income Method
I agree with todd that Form 1040-X should not be filed to request an abatement of an estimated tax penalty, because Form 1040-X does not contain a line that shows the original or revised penalty, so...
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Personal Consumer Issues • Traveling with extra car keys
Regular key in right pants pocket.Valet key in left pants pocket.Just don't get out of the car without your pants on.That depends on your destination Statistics: Posted by McDougal — Fri May 03, 2024...
View ArticlePersonal Consumer Issues • What Defines a Properly Working AC System
Install whatever size AC that the ductwork can accommodate, then add a zoning system. https://www.arzelzoning.com/That's very interesting; I didn't know about that product. Although still the...
View ArticleInvesting - Theory, News & General • basic question on Treasury yield
Two-year Treasuries (and all notes/bonds) pay interest every six months. This is half of the stated total interest rate.Yes, but not half the Yield to Maturity.So if a UST pays a 4% coupon and is...
View ArticleInvesting - Theory, News & General • Variable Percentage Withdrawal (VPW)
This question might’ve been asked before but I couldn’t find it. So, we’re planning to invest our portfolio to LifeStrategy® 60% Equity UCITS ETF - (EUR) Accumulating (V60A)...
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Personal Finance (Not Investing) • Budget meetings with spouse/significant other
Thanks everyone for the responses so far. In reading your comments and reflecting on our experiences I am realizing that what were doing is working ok, but is antiquated. Full context - when we were...
View ArticlePersonal Consumer Issues • Tiny House Update
Thanks for the update. We put a similar size cabin on some land we own (384sqft w/ bedroom + additional sqft in loft) and have been enjoying it on long weekends. It doesn't feel like we could live out...
View ArticlePersonal Investments • What does this mean for Total bond fund
...If it is acting consistent with the prospectus ….. the name is just a label.,,And in this case, the name is "Vanguard Total Bond Market Index Fund," which is a reasonable description. It is not...
View ArticleInvesting - Theory, News & General • 5% portfolio withdrawal rate: 5+...
More than half our income comes from SS and pensions. For portfolio withdrawals we take what we want or need with an eye on portfolio balance. In 17 years our withdrawal rate relative to portfolio...
View ArticlePersonal Consumer Issues • Moving further from work, family, and friends
Similar as to you, dw wife and I always wanted to be more remote for a simpler life and more in nature, but not more than 30 minutes from a Target, we'd say 20-25 years ago.But we stayed in suburbia...
View ArticlePersonal Finance (Not Investing) • Buying land and building a house
You may want to also include the cost for upkeep on the 8 acres. The 3 acres of open land will need mowing or bush hog cutting to keep it open. The creek banks might require work on occasion or it may...
View ArticlePersonal Investments • Rationale Behind "Too Many ETFs"
+1 on the ones with losses and lower gains but I'd also sort them by weighted cost to see if you can justify selling some of the more expensive/tax-cost ones due to long term drag of costs - which in...
View ArticleInvesting - Theory, News & General • Hoarding cash
The expense ratio doesn’t really matter on money market funds because the stated yield is after the expenses.Say what? Absolutely it matters.Not really. IF MM "A" is yielding 5.4% (after expenses) and...
View ArticlePersonal Consumer Issues • Philadelphia PA
One more Pennsylvania tax issue to be aware of is the inheritance tax of 15% to non-lineal descendants such as nieces and nephews, etc.This is a non-issue if you intend to give to children or grand...
View ArticlePersonal Finance (Not Investing) • Who has gotten rid of their B&M bank...
My opinion is that the best way to do is not to do it. Keep a local bank account open because it's sometimes useful. ...Agree. Local bank accounts are like a printer for one's home computer: you...
View ArticlePersonal Finance (Not Investing) • When FEHB is secondary to...
I've had FEHB MHBP Standard along with Medicare A and B for about seven months. During that time I've had four appointments with doctors, some bloodwork, and have received medical equipment. I paid...
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