Personal Consumer Issues • Frustration with Small Claims Court
$830 late fee? No wonder people are leaving California in droves. My town keeps changing how they charge for property tax. Annual, then quarterly, then semi-annually. I missed one payment. I was able...
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Personal Finance (Not Investing) • Why doesn't Vanguard have walk-in offices?
For the same reason they have a horrendously bad website - they're cheap. They're like the spirit airlines of the finance world. Vanguard is my only data point in terms of Investment-provider...
View ArticlePersonal Finance (Not Investing) • Synapse bankruptcy: a PSA for anyone using...
To add clarity, Synapse used to handle two types of accounts: DDA and FBO. DDA are direct deposit accounts with account holder name(s). FBO are accounts belonging to an intermediary (like a financial...
View ArticlePersonal Investments • Seeking Advice: Incorrect Cost Basis Reporting on...
It's too bad you wasted all that time and effort since you can just correct this yourself.Statistics: Posted by Nate79 — Wed Jun 26, 2024 7:47 am — Replies 5 — Views 477
View ArticlePersonal Investments • Inheritance
Yes but over ten years, I believe. The IRA should have a place to mark the beneficiary.Assuming the sibling is not more than 10 years younger, they do not need to follow the 10 year rule. They can use...
View ArticlePersonal Consumer Issues • SubZero/Wolf/Cove Appliance Pricing
Those are good prices.SubZero is head and shoulders above the competition and will last the rest of your life. Well worth the eye-watering cost if you have the cash.Wolf gas ranges are ok but probably...
View ArticlePersonal Investments • Was too conservative at 50/50. How to transition back...
https://investor.vanguard.com/investor- ... allocationOP,The average annual return for 50/50 is 8.1%The average annual return for 80/20 is 9.5%The difference is only 1.4% per year. Why do you think...
View ArticlePersonal Consumer Issues • Favorite day trips from Florence Italy
Was in Florence last May. Took a daytrip to Castello di Verrazzano a vineyard/winery. Admission includes a tour and then generous wine sampling and a light lunch. We loved it. Took a local bus from...
View ArticlePersonal Investments • New and need advice
They (Fidelity) are trying to talk me into wealth management. Any ideas?Would be interested in hearing what Fidelity says they can provide you that you could not achieve with your stated DIY approach....
View ArticlePersonal Investments • Bonds Looking Back
I do not think anyone in 2019 could have or should have thought that we would have a pandemic and that the Fed would lower their overnight interest rate to 0.25% in 2020. I think many should have been...
View ArticlePersonal Investments • Asset Allocation - Do You Include Cash?
I include cash.But it is only 0.3% of the portfolio (required cash holding in HSA to avoid monthly account fees).Statistics: Posted by steadyosmosis — Wed Jun 26, 2024 7:56 am — Replies 29 — Views 1540
View ArticlePersonal Consumer Issues • Best AI for emails?
I don't understand the point of this. I am all for using AI to make tasks easier, but nothing can possibly understand the ideas you're trying to express in an email better than you can, since you're...
View ArticlePersonal Consumer Issues • Toyota 10,000 mile oil change interval
The Car Care Nut on YouTube posted a video on this exact question -- https://www.youtube.com/watch?v=TevK-u3vkx4. Summary: while you may get by changing every 10k miles, paying extra to change every...
View ArticleInvesting - Theory, News & General • Variable Percentage Withdrawal (VPW)
Quick VPW question: Why do we use after-inflation returns as an input to the VPW calculation if we are always withdrawing from a nominal portfolio amount?Eddie_money, I don't understand what you're...
View ArticlePersonal Investments • Help on Self-management of Accounts
There are many ways to do this. This is just an example. I left the emergency fund in the allocation but it can be taken out if you prefer. I've also made some general assumptions about what might be...
View ArticlePersonal Finance (Not Investing) • home appraisal contingency
But I don't think I've ever seen a contract where the buyer had the right to cancel if an appraiser valued the house at less than the contract price. same. to me when OP posted 'first-time home buyer'...
View ArticlePersonal Finance (Not Investing) • What do you currently pay for health...
NY, couple both age 57 plus college age dependent.Medicaid $0 premium. AGI < $30k for FAFSA purposes.Once our dependent drops off our insurance, we become family of 2, I will increase our AGI thru...
View ArticlePersonal Finance (Not Investing) • state of IL returned my carry forward--so...
I wrote on my tax return (and I just reread my return to double check) to leave the $2k there to carry forward into 2024.Not sure what that means, but the IL return uses Line 39 to allocate your...
View ArticlePersonal Investments • VBTLX Price in response to interest rate cuts
OK Guys,All the math and theory is impressive but what does it matter if most of the securities held in VBTLX are not held to maturity?We are looking at thousands of random changes within the fund...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
Is there a limit as to when and how many withdrawals can be made per year with Gainbridge?Statistics: Posted by bogles the mind — Thu Jun 27, 2024 8:05 am — Replies 2519 — Views 336382
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