Investing - Theory, News & General • 400 Years of Global Stock & Bond...
I am aware. The South Sea Company was one of those. However, the "ordinary" person was not investing in stocks in the 1700s.The “ordinary” global person isn’t investing in stocks today. So what’s your...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
A note for those moving to Fidelity: when you fill out the transfer paperwork and select "transfer entire account", consider listing the funds anyway to make sure they all get transferred. I didn't,...
View ArticlePersonal Finance (Not Investing) • Laid off at 40 and ready to retire
I know someone who is a recent graduate of UCLA in Computer Science. He has been looking for a job in IT now for about 1 year. I don't know what it is, but it seems to be very tough now in IT unless...
View ArticlePersonal Finance (Not Investing) • Is there a such thing as Personal Finance...
There is no magic elixir to solve this. It boils down to the inner desire of the person to change themselves to solve the root cause of the issue. I had crossed the tracks a couple of times in my...
View ArticlePersonal Investments • Large inheritance and Investment Plan Advice
Based on the additional information:1. Pay off the 5.24% car loan of $77k using cash in SPAXX which has an after-tax yield of less than the loan rate. Also consider whether you value being mortgage...
View ArticlePersonal Finance (Not Investing) • Vanguard wire transfer issue
Are you just trying to transfer funds back and forth to your bank account from Vanguard. I have a linked bank account with my Vanguard account and I transfer funds that way all the time (I assume this...
View ArticlePersonal Investments • Talk me out of these USAA annuities
..... I see no instances where an annuity would be optimal. .....the lack of liquidity, the high fees, the lack of step-up in basis, the nearly usurious rider fees, the surrender charges, and on and...
View ArticlePersonal Investments • "Diversified" with Total Stock Market Fund...
How does someone know how long that they will be unemployed?KlangFoolUnemployed workers during the GFC were able to claim up to 99 weeks of unemployment benefits, and up to 79 weeks during the COVID...
View ArticlePersonal Finance (Not Investing) • Life Insurance(Sun Life), how long to...
I was trustee for ILIT for FIL who passed away in mid 2020 due to COVID.I submitted paperwork and had to submit some additional paperwork which was request within 2 weeks of initial submission. I want...
View ArticlePersonal Consumer Issues • California weather in a lower cost of living area
California has a Mediterranean climate. So move to the Mediterranean.-Lisbon-Barcelona-Sydney-Athens-Cape TownSydney and Cape Town are in the Mediterranean??Statistics: Posted by WhitePuma — Sat Jul...
View ArticleNon-US Investing • Account security at Interactive Brokers (Ireland)
They state:IBIE is not liable for loss or damages caused directly or indirectly by relying on orders or instructions received from you, an Authorized Person or from any other third party using your...
View ArticlePersonal Finance (Not Investing) • Size of tax-deferred where no Roth...
For a single person, a tax-deferred account of $500k is not worrisome to me. For a couple, my number is about $1 million. It is because, as you suggested, the RMD from these amounts will not create a...
View ArticlePersonal Consumer Issues • Join a gym? Is it worth it?
Holy smokes, you Bogleheads are cheap! I belong to a Lifetime Fitness - $230/month. Wouldn't go for anything less. The facilities are a huge incentive to work out. I'd sell my dog before I dropped...
View ArticlePersonal Investments • Fidelity CMA to pay bill and Vanguard Cash Plus for...
If you would use the Fidelity treasury only or NY exempt fund you still would have to move funds to a core position to pay bills, though some funds do support an auto-liquidate function.All Fidelity...
View ArticlePersonal Finance (Not Investing) • Am I RIGHT, and the lawyer and the...
... Is it beneficial to file an estate tax return at the first spouse's death, in order to preserve his estate tax lifetime exemption amount?...I'm a financial planner (who is not also a lawyer)...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Many that are 100% US clearly do not know whether US only will be “good enough”Concentration risk is a major risk factor. Investors know that and diversify. Speculators tend to concentrate risk....
View ArticlePersonal Investments • Seeking opinions on my plan when I turn 70, 1/2025.
I am wondering approximately how many years I can stick with this plan before I have to sell my house and downsize to get some equity out. A big question is how much you would be willing to lower your...
View ArticlePersonal Finance (Not Investing) • car buying using Car Pro (Jerry Reynolds)
Yes, correct. Transport is arranged separately. What I forgot to mention is that the broker (or dealer) can refer several transport options. 1000$ for brokered deal with maximum discount on the...
View ArticlePersonal Finance (Not Investing) • Objective Professional Financial Advice
It isn’t just the risk of the investment itself. Maybe you buy an annuity today on the advice of an advisor. But it turns out that if you’d waited 9 months, you’d have received a 10% higher monthly...
View ArticleInvesting - Theory, News & General • Considering Schwab
Regarding the Auto Roll of T-Bills:Just finished 2nd test of Schwab's auto roll with a 4 week bill. Still five weeks not four. Thanks for returning and reporting. BAH HUMBUGAmen and amen.Statistics:...
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