Personal Consumer Issues • Help reassure me… sold a car on Facebook...
I understand the concern. But the solution is to sell to a legit reseller (eg, CarMax) if you are worried about your ability to detect scams in real time. You’ll likely make less but you have the...
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Investing - Theory, News & General • Starting January 1, 2025, you will...
Starting January 1, 2025, you will no longer be able to buy paper Series I savings bonds with your tax refund. Thanks to https://tipswatch.com/ for bring this to my attention.Treasury announcement:...
View ArticlePersonal Finance (Not Investing) • Divorce dilemma
My (soon-to-be) ex-wife and I jointly own a house without a mortgage (paid-off, 50% equity each). I would like to buy her out when the divorce ends / is finalized at the end of September (this month)...
View ArticlePersonal Finance (Not Investing) • Do you have an annual budget?
I have a budget set up but it’s mostly to monitor expenses. I track every single expense in excel and then categorize them. I do set it up for annual projections but I’m not strict about my...
View ArticleInvesting - Theory, News & General • Question on mechanics of bond funds
Understanding bonds and bond ETFs is a post compiling my favorite bond educational resources.I believe that after carefully reading and re-reading all of this material, one should get a good grasp of...
View ArticlePersonal Finance (Not Investing) • Car Accident - Other Guy Drives Off
prolly depends on your state law. For example, CA is a fault state, and a hit-and-run woudl be covered under the uninsured/unisured part of insurance. More importantly, per state law, insurers could...
View ArticlePersonal Finance (Not Investing) • Bringing up 529s to the grandparents
I think one should just be grateful that the grandparents want to share in their kids life and to give them presents. I can see that look on my granddaughter's face if she saw that she got a 529...
View ArticleNon-US Investing • My tentative portfolio, main doubt on bonds ETF
Understanding bonds and bond ETFs is a post compiling my favorite bond educational resources.I believe that after carefully reading and re-reading all of this material, one should get a good grasp of...
View ArticlePersonal Investments • Can You Double Dip to Justify Mega Backdoor Roth and...
Yes. You can do the same if you are a W2 employee, as your after tax and Roth 401(k) contributions still appear in box 1.Thank you. So why am I seeing answers like this one on MySolo401k.net's...
View ArticleInvesting - Theory, News & General • Total US bond market YES but...
Now, even if we assume for the sake of argument corporate bonds are crappyWhy would you assume investment-grade corporate bonds are crappy?Many top tier corporations have better balance sheets than...
View ArticlePersonal Consumer Issues • Good Modern Science Fiction
Does anyone have good Modern Science Fiction available in Audiobook format?!DH and I are road-tripping soon, and he's asked for some SF Audiobooks to listen to while traveling. I typically read,...
View ArticlePersonal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?
Well this would be a gamechanger:https://www.usbank.com/credit-cards/ban ... OTHI_72833Couple of other issues:Brokerage has a $50 annual fee apparently if under $250K, so that will need to be factored...
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Personal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Discussions on the US Bank credit card should be in its own thread.FWIW - I wouldn't have known about a new 4% card if I hadn't seen the post in this thread... So, I'm glad it showed up here! As that...
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Personal Finance (Not Investing) • Starting a Solo 401k — Experiences and Advice
—What else should I know about setting up and maintaining such a plan?1. You are the plan administrator. Don’t expect tax and other advice from the plan provider. If they do provide advice,...
View ArticleInvesting - Theory, News & General • Besides higher dividends with etf...
It's reinforced almost daily on this forum that dividends are undesirable.Statistics: Posted by Django Ii — Sun Sep 08, 2024 12:58 am — Replies 4 — Views 236
View ArticleInvesting - Theory, News & General • Happy Birthday, FZROX! (Has it Won...
TLDR:Taxable - The small savings in expenses is probably not worth the portability risk. If you need to move it some day you'll have to realize all the gains.Tax-advantaged - It's a perfectly fine...
View ArticlePersonal Investments • Retiring in 6 months (off TSLA options); Plan Review;...
Yep. We have to come to terms with a few things First the fact that direct to consumer AI has been a complete disaster. Gemini is a laughing stock. Every company that decided to do AI search results,...
View ArticlePersonal Finance (Not Investing) • IRS Safe Harbor calculations
Also I have some RSU that are going to be vested this year. At the time of vesting the employer/brokerage will withhold taxes. I am assuming that amount will also be part of my withholding for this...
View ArticlePersonal Consumer Issues • x-ray interpretation service
The cost of the procedure was $7,705. That was for 5 minutes on the table, two x-rays by the technician, and interpretation by the radiologist. No cost after insurance. I wouldn't think that I can get...
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Personal Consumer Issues • Struggling with the Hedonic Treadmill / Wealth...
I believe financially smart folks are able to flex up and down with their spend. They do not anchor and suddenly think spend has to go up all the time. Perhaps it’s financial or personal finance...
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