Investing - Theory, News & General • Is “Age In Bonds” back in style?
I had never thought of this before, but the posts above about "don't know your own risk tolerance" would make you think that young people should start out at 100% equities. Who knows, maybe you take...
View ArticleInvesting - Theory, News & General • 10-year equity premium 1793 - 2023
if you know your monetary history, the international gold standard system started in 1873, and then Bretton Woods collapsed starting circa 1970To be clear, I’m basically referring to the pre-ww1...
View ArticlePersonal Consumer Issues • What’s going on with Uber prices ?
What's funny is this shouldn't be remotely surprising. Uber burned through cash to give those low prices while pretending it was lack of innovation that meant taxi drivers wouldn't bother transporting...
View ArticlePersonal Investments • Fidelity Account Hold
Obviously a trading violation. I'm surprised they even allowed a SELL trade to occur.Statistics: Posted by dcop — Tue Jul 23, 2024 12:59 pm — Replies 20 — Views 2568
View ArticlePersonal Investments • Portfolio Review
+1 to lakpr that your Roth IRAs are backup Emergency Fund. Here’s what I would do in terms of order of operations: *Fill up your Roth IRAs for 2024 – keep in mind you have until April 2025 to do...
View ArticlePersonal Investments • Is it worth keeping a TIAA retirement account?
I essentially only use them for TIAA Traditional, which I think is a unique product. I dislike bond funds and I essentially use TIAA traditional for fixed income.Statistics: Posted by student — Tue...
View ArticlePersonal Finance (Not Investing) • Overfunded NYS 529
Per NYS 529 "Money you contribute to a NYS 529 account is generally treated as a completed gift to your beneficiary, but as the account owner, you'll still have control over it." I don't currently...
View ArticlePersonal Investments • IRA held at Equtiable transfer
I have a small IRA held through Equitable that I want to transfer to my Vanguard IRA. The product is called structured capital I’ve been trying to transfer most of my Equitable holdings over to...
View ArticlePersonal Consumer Issues • When to buy Extended Warranty on a New Car....
Background: Recently purchased a new BMW X3 M40i which comes with a factory 4 year warranty. Historically, we keep our cars for 10 years.I am looking at buying an extended warranty from only 3...
View ArticlePersonal Consumer Issues • [What TV Show Have You Recently Watched?]
Tulsa King season 1 - DVD rental from the library. We have seen most of the various Taylor Sheridan series and have enjoyed them. I was a bit surprised by the humor but not surprised by the language...
View ArticlePersonal Finance (Not Investing) • Inheriting a home. How easy/difficult is...
I would reconsider the renovations or upgrades. A potential buyer may have different standards or tastes, and could perform the renovations themselves to their own specifications. If there are repairs...
View ArticlePersonal Consumer Issues • Mouse prevention - is this technique worth the money?
we solved our mouse problem by putting anything they want to eat in plastic containers with lids. Grass seed, bird seed, dog food, etc. Anything in the garage or basement that is edible goes into...
View ArticlePersonal Finance (Not Investing) • Death, margin and taxes
What if there are multiple beneficiaries, there is a margin loan, AND the beneficiaries want to ensure they receive the stepped-up basis BEFORE any liquidation is required to satisfy the...
View ArticlePersonal Investments • Why I am thinking of not doing Roth conversions...let...
But if one does end up paying from Roth then it implies Roth was overdone. That is all I have been unsuccessfully trying to point out.That makes sense to me, since it's all about the effective...
View ArticlePersonal Finance (Not Investing) • Question: Is it time to coast?
So tell me what you think. I am 54, about to be 55. I am married and have 3 kids in college. All of their college expenses seem to be covered by their 529 plans.Right now, I am in a job that gives me...
View ArticleInvesting - Theory, News & General • You can save too much for retirement
Which approach do you think works better?KlangFoolExcellent psychology in action!How many times have you talked to someone using only Approach 2? How many times have you described both approaches to...
View ArticlePersonal Consumer Issues • Considering buying 2019 Dodge Grand Caravan SE...
I found what looks to be a good deal for this vehicle $13k with taxes. This will be our 3rd car and not a car we will be driving every day to work. We need a minivan for family trips, once every...
View ArticlePersonal Investments • TIAA 403(b) Rebalance
Real test is whether you will react during a downturn.The problem is that 0% of investors imagine that they will panic sell but the reality is that many will. I'm old enought to remember 1987, 2000,...
View ArticlePersonal Consumer Issues • Cheap phone plan vs (free) Google Voice
A problem with Google Voice is that in some cases the the voip phone number isn't recognized as a valid number for user authentication with some websites and apps. Some places want a phone number from...
View ArticlePersonal Consumer Issues • HVAC AC whistling noise
My HVAC system is 2 years old. A couple of days ago it started whistling. What I don't understand is why I did not have this problem for 25 years until now.Just to clarify, is the HVAC system 2 years...
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