Personal Investments • Where to park cash short term?
Is SGOV (Ishares 0-3 month Treasury Bond ETF) still the choice for parking cash I might need in 3 months? The yield (based on the 30 day SEC yield) seems to be 5.11%. Or since the Fed has pretty...
View ArticlePersonal Finance (Not Investing) • High W2 income making a mistake choosing...
I’d max out any Roth space before putting money into a 529.Statistics: Posted by JBTX — Mon Sep 30, 2024 9:22 pm — Replies 14 — Views 1829
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
....Yes, part of me thinks I should ignore the "optimal" solution and do the easier option. I could have applied for BofA years ago, but I've chosen to only use the Fidelity Visa for simplicity.I...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
I don't get it why so few banks seem to support FedNow though - its faster and more secure for the bank themselves -- especially given how Chase and others were sued for Zelle frauds (which were the...
View ArticlePersonal Investments • Best "Local" Bank For Brokerage CMA Users
I do not use CMA.My bank is Wells Fargo. Checking is free with a $500 monthly minimum balance or a $500 direct deposit -- mine is my SS. Includes BillPay at no charge. It's been years and years since...
View ArticlePersonal Investments • 10 Year Plan
Rough quick math seems like you are leaning towards a 60/40 Asset allocation. Figure out your risk tolerance, set an allocation strategy and what you want to invest in and stick to it over that 10...
View ArticlePersonal Consumer Issues • Mutual of Omaha Medigap G huge price increases
I saw this video posted elsewhere and I think has valuable information.https://www.youtube.com/watch?v=j66oGQqz2McStatistics: Posted by tj — Mon Sep 30, 2024 9:27 pm — Replies 70 — Views 11906
View ArticlePersonal Finance (Not Investing) • Should I accept higher employer free life...
If yours is like what I get from my former employer, this is lifetime coverage. You must have had a VERY generous former employer. All my former employer gave me after decades of loyal service was a...
View ArticleInvesting - Theory, News & General • Concentration Risk in the S&P500
That the concentration risk of individual stocks in the tech sector is at the described level amplifies the concentration risk of the large allocation to tech in the S&P500, so I will stand by the...
View ArticlePersonal Finance (Not Investing) • Is It Safe to Keep Vanguard/Banking Apps...
Phones are for talking.That is the least useful feature of my current "phone". They are not phones anymore. They're pocket sized, very powerful computers with always on network connections. Phone is...
View ArticlePersonal Finance (Not Investing) • Teen allowance in HCOL area
If teen doesn't get a wage earning job now, they won't be on schedule to post here in their 40's about burnout & strong desire to retire early.Statistics: Posted by one_speed — Mon Sep 30, 2024...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
I'm reading Brandon Sanderson's Stormlight Archive and currently on book 2 (Words of Radiance). Good stuff! I'm a fan of fantasy and this series ranks right up there near the top for me. I love the...
View ArticleInvesting - Theory, News & General • The Most Boglehead-ish Portfolio
Stocks are riskier than corporate bonds or mortgage backed securities or foreign bonds, so I wouldn't call that a "taking no bets" portfolio. You're simplifying by eliminating some low-medium risk...
View ArticlePersonal Consumer Issues • Justifying Tesla Purchase
https://youtu.be/0i12W7mRnE0I am not sure if anyone has seen this but seems like a small damage to battery pack (either by salt water like that video or puncture into battery pack from road debris)...
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Investing - Theory, News & General • TxAggie's Avantis Adventure
Updated performance tracker with Q3 results. My adventure outperformed the US Total Stock market by 1.61% this quarter. The tilt has grown from 60% to 80% of my equity position.Total Return TxAggie's...
View ArticlePersonal Consumer Issues • Looking to move to NC
Raleigh triangle area is growing rapidlyStatistics: Posted by CLKGTR — Tue Oct 01, 2024 9:33 pm — Replies 26 — Views 2327
View ArticlePersonal Finance (Not Investing) • Laid off and Contemplating early...
Long time reader - first time posting. I am in the unfortunate position of being laid off from a tech job. I was making decent money but am finding it difficult to land a new job even though it has...
View ArticlePersonal Consumer Issues • New York City trip report and a question
i have lived in NYC for 45 years and have no intention of leaving. living here changed my life for the better in many ways.this place is like a candy store, with amusing and fascinating activities...
View ArticlePersonal Investments • Bond Choice
Roll the dice... I would only put stock market funds in a Roth.====================FXNAX Fidelity U.S. Bond Index Fund Portfolio Diversification, AS OF 08/31/2024U.S. Treasury 42.01%U.S. Agency...
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Personal Investments • Just invested at all time market high
My wife received a bonus from work which we just invested according to our asset allocation and IPS.This has resulted in approx. $10k going into VTSAX (Vanguard Total Stock Market Index) at an...
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