Personal Finance (Not Investing) • Proposed update to Prioritizing...
I didn’t reply before, but i disagree with some of the priorities.Disagree ESPP is high priority. The risk of stock losing value is really compounded by the possibility of job loss. It is very...
View ArticlePersonal Consumer Issues • Should I continue using a soon-to-be unsupported Mac
While I agree Apple definitely has planned obsolescence, I think it's worth noting that all computer vendors do. Windows is not supported indefinitely either. Other operating systems are similar,...
View ArticlePersonal Consumer Issues • Got the new car bug ...again...EV..?
(Bold mine) It really isn't. The tech is actually quite mature at this point, there are no huge advances in range or drops in cost on the horizon.Consumers won't see price drops, but the traditional...
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Personal Consumer Issues • What kind of work do you hire out?
Many of us get poorer results if we try to do remodels ourselves. I leave things like tiling to the experts that do it everyday.Apparently not true of Bogleheads who, when I've offered this point...
View ArticlePersonal Investments • Converting portfolio from Vanguard to Schwab
I'm only familiar with VTSAX to VTI which are identical. When I moved from Vanguard to TDAmeritrade which is now Schwab, I converted all of my Vanguard mutual funds to ETFs. Then I did the transfer....
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Personal Finance (Not Investing) • Retiring Soon & Worried About Sequence...
Planning to retire soon. Below is my portfolio as of a few months ago. It's now grown to around 3.8M. I'm 63 and I'll take SS at 70 and estimate I'll receive around 45k/year. No pension or additional...
View ArticlePersonal Finance (Not Investing) • Roth conversions in retirement and...
Thanks! All very confusing! At TIAA all my accounts are pre-tax except that one Roth. They were funded by employer contributions and employee matches (deducted from paycheck, pre-tax). I have 70% in...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
For those that had Schwab match a transfer bonus offered by another firm, how long did it take to receive the bonus after the Schwab account was funded to meet the bonus terms?For me it was the...
View ArticlePersonal Consumer Issues • Ways to protect personal information
Great summary of info. I'll use it. ThanksAnother useful thread: Security Fraud. Some overlap though it's more focused on preventing fraud (including title fraud, many county recorders offer it as a...
View ArticlePersonal Finance (Not Investing) • Why is Everyone Getting Irrevocable Trusts?
I'm assuming having the child as the trustee is what makes the most sense.If child is sole beneficiary and sole trustee, then child cannot make discretionary distributions to self without losing...
View ArticlePersonal Finance (Not Investing) • Opinion on IDX - Credit monitoring system
I don't think it does.Great. That’s all I needed. I will skip this one.Statistics: Posted by anoop — Sat Aug 17, 2024 8:31 pm — Replies 12 — Views 5746
View ArticlePersonal Investments • Switching from stocks to index funds
-I have most of my investment in taxable accounts (individual stock)then you have to be more careful than if you owned the individual stocks in an IRA. In an IRA you can exchange individual stocks for...
View ArticlePersonal Finance (Not Investing) • Free Credit Reports
I recently experienced this with Experian (no pun intended!), with the report never being sent to my email address. So, what I ended up doing was right-clicking on the information screen that showed...
View ArticleInvesting - Theory, News & General • High yield ETFs
My opinion is that you are simply being served up videos that the algorithm thinks you'll watch, hence "all the rage" being your impression of the situation. I don't think most YouTubers are watching...
View ArticlePersonal Investments • Single AA for life - 80/20 or 60/40?
It’s an artificial constraint without purpose. Buy the 80/20 fund and then when you are ready or at an appointed time, switch to the 60/40 fund, either gradually or in one fell swoop. Or use a TR fund...
View ArticlePersonal Finance (Not Investing) • Avoiding credit card interest charges
If one misses a credit card payment, would sending the credit card company enough money to pay off the overdue balance plus interest plus enough to cover upcoming charges plus a little extra stop the...
View ArticleInvesting - Theory, News & General • AlphaArchitect launches BOXX: 1-3...
Boxx review by Rob Bergerhttps://m.youtube.com/watch?v=A6Xts-oRNFcStatistics: Posted by Wiggums — Sun Aug 18, 2024 8:39 pm — Replies 408 — Views 69318
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Personal Finance (Not Investing) • ACA Subsidy impact from sale of...
Only the gain ($2800) would be included in your MAGI for ACA purposes. Assuming this is not a traditional IRA or some other exception I don't know about. Other, more knowledgeable, people should chime...
View ArticlePersonal Consumer Issues • Hiring Cooking Help
I never envisioned myself needing to hire help to cook but for health reasons, I no longer eat out much anymore and cook and eat a Whole Food Plant Based diet at home. While this change has been the...
View ArticlePersonal Consumer Issues • Heavily marketed Spectrum internet deal: $29.99...
Several years ago, all I had was DSL. Now have Spectrum and 3 isp's with fiber options, one goes up to 5GBStatistics: Posted by meebers — Sun Aug 18, 2024 8:42 pm — Replies 22 — Views 3059
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