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Investing - Theory, News & General • What drives gold prices?
But I recently read that a bond crisis would force the fed to raise rates and gold would go down. Like say if everyone sold their treasuries at once. did you read we should expect a bond crisis? If...
View ArticleInvesting - Theory, News & General • The New 60/40
That’s the definition of interest rate risk. Are you thinking floating/variable rate risk? That’s a kind of interest rate risk as well. Anyway, I adhere to generally accept financial terms so don’t...
View ArticlePersonal Investments • QCD vs Deduction
Another answer to the question is that a QCD (if eligible) is an 'above the line' deduction while a regular charitable contribution is a 'below the line' deduction. "the line" = the AGI...
View ArticlePersonal Finance (Not Investing) • What's the benefit of your house value...
I see it the same way as everything else. If my income increases, I may pay more taxes. If my investments do well, I may have to pay more taxes when I sell them. If my house appreciates, i will pay...
View ArticlePersonal Investments • 4% Rule
2nd thought, or question, can anyone recommend any readings supportive of a 1% or 2% Rule, for supersavers that want to go down our path? Perhaps some of these issues are covered in writings...
View ArticlePersonal Consumer Issues • Another 'should I get solar' question
What size system is this $18,000 net investment? What state are you in? Do you have net metering with your utility?Your $290 average per month does not jive with average of 1100 kWh per month at $0.10...
View ArticlePersonal Investments • ESPP Decision: To Enroll or Not?
If you have the discipline to SELL IMMEDIATELY, no matter what, then it’s a no brainer in this case.The discipline can be harder than you think… at least for me.Statistics: Posted by Zipster — Wed Sep...
View ArticlePersonal Consumer Issues • Venice Italy hotels
We stayed at Hotel Al Duca di Venezia in 2023. Room was spacious (by Italian standard) and beautifully decorated. For most dates in 2025 you can get a room for less than $300 if you book...
View ArticlePersonal Finance (Not Investing) • Best way to introduce personal finance to...
Lead by example and let them make some mistakes. My kid has still not recovered from putting all his money into ARKG when he was 18 and knew everything. He listens to me more now.He also lost a bunch...
View ArticlePersonal Consumer Issues • Don't pay full price for SiriusXM radio
I used the chatbot to renew just now. Got a $6.99 rate ($7.34 with fees). Slightly lower than the rate I currently have, and it only took a couple of minutes.Statistics: Posted by deskjockey — Wed Sep...
View ArticlePersonal Consumer Issues • Maintaining a new Global Entry membership (USA)
Do you mean no interview at all, not even a virtual or computer interview?I’ve renewed it 3 or 4 times with no interview, but current renewal is still in pending status so will have to wait and see,...
View ArticlePersonal Consumer Issues • [What UN-frugal thing do you do? What do you...
Running shoes ($300 a pair for racing, carbon plated marathon shoes) - but I get 4 races out of them.Groceries - mostly organics. TravelToolsGood shoes are definitely worth the cost! Same with...
View ArticlePersonal Consumer Issues • Best < $100 purchase?
Probably a $99 DeWalt drill/driver. Use it for nearly every project.Can you point us to it on Amazon?Thanks!Not the same... But I picked this up 2 years ago at xmas for $99... It works great for the...
View ArticlePersonal Consumer Issues • Worth it to Repair Car if Selling to Dealer?
No, I would trade it in and unless they subtract more than $600 off of it for the issue, let them deal with it. As just a shot in the dark, did you maybe try and put a new gas cap on and see if that...
View ArticlePersonal Finance (Not Investing) • How Much of a Paycut Would You Take To...
Thank you all for your responses. I managed to land a school just 2.5 miles away from my house. Still a public school, so no change to my state pension. What I lose: 6k in salary next year Lose tenure...
View ArticleInvesting - Theory, News & General • How do you think about longevity?
My dad had a car wreck yesterday, and he is 88.5. He told me it was his fault and he is giving up driving. He is a seriously lucky man. Only suffered bruises and probably a cracked rib. My mom can do...
View ArticlePersonal Consumer Issues • MLB.com Blackout Policy
You're in the Rays' TV market, at least theoretically, which is the issue.Statistics: Posted by dukeblue219 — Wed Sep 25, 2024 9:05 pm — Replies 10 — Views 380
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Personal Investments • New to Self-direct and looking for advice
Holy smokes. That list of funds is complicated and crappy. You’ve received some great advice upstream. I will only echo this: figure out your asset allocation going forward, and then simplify. 2-3...
View ArticlePersonal Finance (Not Investing) • Distributing will in cash money ($25k)
The executor and beneficiary should meet with an elder/family law attorney to discuss options. If an attorney is representing the estate, start there. He or she will refer to a different attorney if...
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Personal Investments • The Value of contributing to a 401k plan
In 32% federal bracket traditional 401k I am shoveling in 30K yearly with catchups currently while reducing current taxes. In a VHCOL area I would not be able to shovel the same in after tax to a Roth...
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