Personal Consumer Issues • 1 month in California, Hawaii, Greece or ____?
Portugal. Half of California has moved there already.Statistics: Posted by Outer Marker — Sun Jul 14, 2024 11:21 am — Replies 15 — Views 1557
View ArticlePersonal Finance (Not Investing) • 750k house purchase?
Giving up the existing low mortgage rate matters less and less when the remaining balance is smaller. If you need $4M in today's dollars to retire, i.e. anticipate spending and taxes in the $150k...
View ArticlePersonal Consumer Issues • Can I afford this watch?
Find a used one instead. The depreciation on these things is the killer.Statistics: Posted by ImBlue — Sun Jul 14, 2024 11:22 am — Replies 5 — Views 207
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Personal Consumer Issues • Power Outage and Food Spoilage?
I think some meats would be ok.Nitrates and nitrites are short names for “sodium nitrate” and “sodium nitrite” which are forms of salt. Salt (sodium chloride) has been used for thousands of years to...
View ArticlePersonal Finance (Not Investing) • Amex Platinum Users: still getting value...
Can't wait to get rid of mine. The only thing that I like is the rental car insurance for an extra fee. Centurion Lounges are packed and many have over a one hour wait to get in - just try Denver some...
View ArticlePersonal Investments • Do I need BNDX Total Int'l Bond Index?
Funny you should mention BNDX because I’ve been reviewing my portfolio and I’ve just started selling BNDX. I’m sure that it was put into my portfolio with the best intention 7-8 years ago, but I’ve...
View ArticlePersonal Investments • Vanguard 529 drops TIPS
Is vanguard performance chasing? For aggressive growth stock percentage goes up to 5% and bonds down 5%. Was 75/25 now 80/20. Moderate growth goes from 50/50 to 60/40. Are bonds objectively a better...
View ArticleInvesting - Theory, News & General • Quick review of RightCapital
I think it's a powerful platform and easy to use. It would be EXTREMELY beneficial to have a toggle on/off switch for each individual "Goals" so you could immediately see the impact with or without....
View ArticlePersonal Investments • Talk me out of these USAA annuities
Every single experience I have had to date tells me that what you see with annuities, of any flavor, is NOT what you get. If you have an example of an actual MYGA, ideally one that is close to its...
View ArticleInvesting - Theory, News & General • Cash is a terrible long-term investment
Rob Berger doesn't like dedicating a cash reserve for buying stocks after a crash during retirement. He thinks that's the time to rebalance from bonds to stocks, emphasizing buying low, as you were...
View ArticleInvesting - Theory, News & General • How do you think about longevity?
So all I do is this: try to do what promotes quality of life and health, spend reasonably in relation to assets, prepare for my demise, enjoy my time.Nothing you do outside of risk taking that...
View ArticlePersonal Finance (Not Investing) • How to count a pension in net worth...
So if the broad question is how to value retirement funds as part of your net worth... How would one calculate the present value of a 401k? If NW is assets minus liabilities, do you subtract the tax...
View ArticlePersonal Investments • Are we done saving for college?
How old will you be when your youngest go to college?For my 2 kids 7 and 9, I have 230k now and no longer contributing. I think it’s enough if they both go to state college but if first one goes to...
View ArticlePersonal Finance (Not Investing) • Laid off at 40 and ready to retire
If you want, you can find another job at a similar compensation level at which you were laid off. It just takes time, sometimes lots of time.My experience has been that "a similar compensation level"...
View ArticlePersonal Investments • Empower retirement calculator accuracy
I have been using the free Empower account aggregator. I have linked all of my accounts and I’m trying to get enough data to accurately track my spending as well as investments. It was relatively easy...
View ArticleInvesting - Theory, News & General • Sector Rotation to Small Cap?
I'm not doing anything based upon two stock market sessions. (in before the lock)Statistics: Posted by dogagility — Mon Jul 15, 2024 11:39 am — Replies 5 — Views 128
View ArticlePersonal Finance (Not Investing) • Medicare Question
For the last two years, a member of my family, who has a GEHA insurance, has been getting reimbursed the full amount of money paid to a provider who does not participate either in GEHA or in Medicare....
View ArticlePersonal Finance (Not Investing) • Planning for Irregular Essential Expenses...
There are two different questions here:1. The logistics of paying of these irregular expenses. Lots of great ideas and practices, but I don't think that's the main question the OP has tried to...
View ArticlePersonal Investments • Where to reallocate from small cap & value?
OP,If you are not convince that SmallCapValue is a good thing, sell it. It takes 17 to 20 years for SmallCapValue to outperform.KlangFoolStatistics: Posted by KlangFool — Mon Jul 15, 2024 11:42 am —...
View ArticlePersonal Investments • Pralana or CPA or ??? need a plan. Plan Vision didn't...
Hopefully they will let me book with Jason. I also found a local CPA i will do a 10 min consult with next week. I appreciate all the kind words of wisdom, hearing things repeatedly helps with...
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