Personal Finance (Not Investing) • First Republic line of credit - 100k @...
So my loan was supposed to convert to amortized payments this month and I received a few emails warning me to that effect. But the auto payment just went through and it was still only in the amount of...
View ArticlePersonal Consumer Issues • New (or used?) car (Honda?). Also, financing Qs
Was just in an accident a few days ago (other driver ran red and t-boned me in passenger side).I was driving my wife's 2015 Civic and it was totalled.Luckily no passenger with me, and i was able to...
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Personal Consumer Issues • What are you listening to now
Earlier today....Mozart, La Ci Darem La Mano, duet from Don Giovanni."Performed" (in practice) byRM and Mr.RMWe've been working on this duet for some time (too long; we must the THE slowest students...
View ArticlePersonal Finance (Not Investing) • Double-entry accounting newbie questions
Are any donations received restricted by the donor or are all donations unrestricted? +1 to researching “board designated fund”.All donations are unrestricted.Statistics: Posted by SteveInNJ — Fri Aug...
View ArticlePersonal Finance (Not Investing) • Home Construction Loan
In case you are not fully aware, with a construction loan, you are only paying interest on the amount you borrow up until that time and not the entire allowed amount. Think of it like a HELOC where...
View ArticlePersonal Finance (Not Investing) • Slott: The Big Retirement Myth
The Tax Time Bomb is real...for some people. As I read through a few pages of replies to OP, it became obvious that some BHs have enough retirement assets that taxes might be an irritant, but not...
View ArticlePersonal Consumer Issues • Struggling with the Hedonic Treadmill / Lifestyle...
Luxury clothing is a con. It’s a genius way to remove money from rich people’s pockets with huge margins. I’d would rather invest in LVMH than buy anything they sell.Luxury clothing: Not sure what the...
View ArticleNon-US Investing • Are there actually any good financial advisers? Wondering...
To my knowledge the FA guarantees this because he's part of a company that also has a research team. My initial sentiment in investing with them was that they could do better than I could. Thanks for...
View ArticleInvesting - Theory, News & General • Did Schwab Fraud Protection...
I think there might be a tad more "checking code" than you aloof to.Example: I currently am not at home and just logged into Schwab. I instantly got a SMS challenge as this laptop is not set as...
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Investing - Theory, News & General • How to blunt the outsized tech...
1st, take on look at that image.2nd, tell me why you think tech won't dominate in the future.The future is all about technology, get used to it. If you run from it, you are likely to be left behind.I...
View ArticlePersonal Investments • 457(b) contribution limits with multiple employers
I worked for a private institution with a non-governmental 457(b) plan for the first 6 months of the year. On July 1st I moved to a government institution with a governmental 457(b) plan. The 2024...
View ArticlePersonal Finance (Not Investing) • Retirement Life. What are your Stressors?
Thank you, covid, for making me realize that I don't have to fly. Ever. Vacations should be relaxing. I shouldn't need a vacation to recover from the travel.Flying is unfortunately required for most...
View ArticlePersonal Investments • Anyone use DAFFY for DAF (Donor Advised Fund)
Pros and cons to both - I find donating crypto and making quick donations to be much better with DaffyIs donating cryptocurrency as easy as just sending to a wallet address they give you? That's what...
View ArticlePersonal Finance (Not Investing) • Am I trapped in Whole Life Insurance?
Why is the premium going up if you still have $43k in cash value? Are you talking about the cost of insurance within the policy or what you actually pay each year?Statistics: Posted by BruDude — Sat...
View ArticlePersonal Finance (Not Investing) • Another should I upgrade my house question
Most often, my advice is to keep the historically low mortgage and make do with what you have unless the family really hates the current situation.The key difference I see versus most of the others is...
View ArticlePersonal Consumer Issues • 2.1 speaker system for desktop computer
I highly recommend this simple setup: a pair of KEF LS50 Wireless powered speakers (either the original version or the newer Metas).Just plug the set into a single usb port on your computer and you...
View ArticlePersonal Finance (Not Investing) • Mechanism for getting POD assets back into...
To be clear, the elderly person is no longer with us? The wording slightly confuses me.Still with us, but a short life expectancy. Trying to preplan a bit in order to be prepared and to spread out the...
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Personal Consumer Issues • Good Modern Science Fiction
I've yet to see anyone mention one of my favorite space opera novels, The Cassini Division, by Ken Macleod.Cassini's Division is the term for a gap in the rings around Saturn, but this novel is about...
View ArticlePersonal Consumer Issues • Are these Mini-PCs any good? If you have one, any...
My parents bought one of the no-names on my reco and it turned out to be defective. Caveat emptor... That said if you're tech savvy and can get by with one of the N100/Celeron processors it's worth...
View ArticleInvesting - Theory, News & General • Timing the Stock Market Using...
The Hedgefundie threads will show the sameThere are plenty of people staying the course with leveraged risk parity. I think that with any AA that has more risk it's common for people who do not have a...
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