Personal Consumer Issues • HVAC AC whistling noise Update
When the technician removed the cover and turned the AC on, I could not hear the noise. He said he could feel the air in a gap and it could be the issue. He applied some silicone. It seems to solved...
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Personal Finance (Not Investing) • Do you include pension and SS in your AA?
WhiteMaxima,I’ve got a pension. I don’t include it. I mean, I can’t sell it. I can’t liquidate it. It’s just a steady chunk of monthly income. Covers beer, utilities, burritos, and property taxes. I...
View ArticlePersonal Consumer Issues • Which car should I buy?
It is the best car I've ever owned. But on the long drives now it has become less comfortable. At sixteen years of age the seats and suspension have just aged and worn a bit. I have made the same...
View ArticleInvesting - Theory, News & General • AQR's Cliff Asness Preaching the Gospel
I’m neither a fan nor not a fan. As a layman who intellectually curious about the topic of finance I will say categorically having posters with serious academic backgrounds combined with serious...
View ArticleInvesting - Theory, News & General • Fundrise - Real Estate
You can search for posts by myself (including in this thread and others) on my experience with Fundrise.Hi Nate79 - Are you investing with Fundrise?How is Fundrise working for you during the past...
View ArticlePersonal Investments • Morningstar Investor - XRay still there?
I know that Morningstar discontinued the free portfolio x-ray analysis for Basic subscribers. But does the Investor subscription service provide the x-ray analysis?In the free, Basic service, the...
View ArticlePersonal Investments • Quantifiable criteria to “Need, Ability, and Willingness”
In addition, I always thought that willingness was a bogus criteria. Need and ability are the only criteria needed. If you are unwilling to live with the answer then you should recalibrate either your...
View ArticlePersonal Finance (Not Investing) • Best Practices when creating a Personal...
I am a 1 workbook With many many worksheets Person as much as possible.I think the most I've ever had is 400 worksheets in 1 workbook. I easily navigate Within the workbook By having an index page...
View ArticlePersonal Finance (Not Investing) • Doing taxes ahead of time
I do the same.Since I take the standard deduction, for the new year I add a fake charitable deduction so the program uses an itemized deduction = the new year's standard deduction.Excellent tip....
View ArticlePersonal Investments • Berkshire Hathoway (BRK.B) stock
For some, any added income can bring high, high taxes.RMDs with high amount of money in pre-tax accounts means income is pushed up. For MFJ, both may have RMDs.Social security pushes up income. Again,...
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Personal Consumer Issues • Mens denim recommendations (2024)
I happily have not owned any denim for 5+ years. No jeans, no jorts. Freeedom.Prana Stretch Zion pants and shorts (10" inseam). The thought of putting heavy denim on again makes me shiver. Prana...
View ArticlePersonal Investments • Retirement planning for mom
OK I'll look into opening a Roth asap!I have been considering long-term US treasuries (10-30 years) given the high interest rates, but also am aware of inflation risk. Would splitting the bonds...
View ArticlePersonal Investments • Paying for future Roth conversion
Our goal is to retire in two years. Ideally 2027 and the next couple years after that would be the ideal time to start doing some Roth conversions. All of our expenses will be paid from withdrawals...
View ArticlePersonal Finance (Not Investing) • dependent child starting job; what health...
One thing in particular is not clear to me...for an individual, if your employer offers insurance and you instead choose an ACA plan, you cannot receive tax credits. But what if the employee is on a...
View ArticlePersonal Investments • Fidelity money market account options
Also, one can adjust balances with bond holdings and use FUMBX. For example, if holding FUAMX and a treasury MMF, one instead could hold FUAMX and FUMBX and adjust the proportion to match the original...
View ArticlePersonal Finance (Not Investing) • Asking family about financial, medical and...
This thread has run its course and is now locked (primarily a relationship issue). Please remember forum rules:This is an investing and personal finance forum. We also maintain a subforum that allow...
View ArticlePersonal Investments • managing fixed income part of portfolio
Thank you Wiggums! I have always enjoyed your posts.That's pretty much what I am doing. Hold the large amount I have in the bond fund and buy individual treasuries or MM funds with new savings that...
View ArticlePersonal Consumer Issues • Capacity sensor for buried propane tank
Will there be an analogue gauge in the riser?As far as I know. I did ask them about any instrumentation options, and they said they don't carry any, but as the gauge is remote-ready I should be able...
View ArticlePersonal Investments • Fastest transfer from Vanguard 401k to Schwab
To move a 401k you often have to talk to both institutions. Quite different than moving an IRA. Investments are liquidated and a check is sent through the mail.That's a good point. "Moving" a 401k...
View ArticlePersonal Investments • 4% rule and the game
Hmmm....I guess I never thought of it as a game.If one has a long time to live, the CDs may get called and the rates on renewala may be less, so taking that approach could miss the power of the market...
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