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Personal Investments • Diversification means always having to say you’re sorry.
Please explain where the logic is wrong from (A) to (D)?When you rebalance back to a set asset allocation, you sell something that has grown at a higher rate in order to buy something that has grown...
View ArticlePersonal Investments • Trying to be tax-smart about funds for lumpy expenses
People seem to be all over about tax loss harvesting small amounts. The year before last I did with less than 1K loss but I don't keep much in taxable. I think it is a personal preference to do small...
View ArticlePersonal Consumer Issues • Dental crowns
I'm wondering what the typical fee is for such a procedure in S/E Florida. I realize there are variables with each patient. I'm just looking for a general "ballpark" figure. Any thoughts?What kind of...
View ArticlePersonal Finance (Not Investing) • Need 529 Expertise - Withdrawal and Tax...
Probably ColoradoToddthebodThanks for that insight. Do you know where I can find the source for that? Also, in your view, would the same logic apply if I pay the tuition while still a Virginia...
View ArticlePersonal Consumer Issues • Dealing with minor accident situation
Phone number is almost meaningless. Did she get his name, license plate number and/or other information?Statistics: Posted by bob60014 — Sat Feb 24, 2024 3:53 pm — Replies 3 — Views 113
View ArticlePersonal Finance (Not Investing) • Vehicle damaged and liable party has low...
It's actually even simpler than that. Being involved in an accident is positively correlated with being in further accidents, therefore the cost to insure you goes up (in states that allow this)....
View ArticlePersonal Investments • Questions about Whole Life
Never and i mean never purchase WL as an investment. Now if you already have WL for several years and want to make the most of it as a bond like product then thats a different question. So do not buy...
View ArticleInvesting - Theory, News & General • Berkshire Hathaway annual letter is out
Interesting he called out California. He seemed legit mad.yeah, I found the reference to western states breaking the "small fixed profit" agreement with utility investors, and the reference to...
View ArticlePersonal Finance (Not Investing) • What's the best way to have federal taxes...
Paying quarterly estimated taxes is no big deal.indeed, I feel better after paying ETs quarterly...sort of like going to confession, catharticStatistics: Posted by rule of law guy — Sat Feb 24, 2024...
View ArticlePersonal Investments • 3 fund portfolio rebalancing
if you have an AA of 65/35 and it's not 65/35 and you can add money and that new money will get the AA back to 65/35 (or closer, more on that in a moment) then that's what you should do. If you keep...
View ArticlePersonal Investments • Confused - Reporting I Bond Proceeds (TurboTax)
It's a 1099int, box 3.Statistics: Posted by nalor511 — Sat Feb 24, 2024 4:02 pm — Replies 2 — Views 46
View ArticlePersonal Finance (Not Investing) • Do your inter-company yearly raises keep...
Companies don't give raises to keep up with inflation, they give raises to keep up with market rates.+1.Statistics: Posted by alec — Sat Feb 24, 2024 4:02 pm — Replies 11 — Views 475
View ArticlePersonal Consumer Issues • AT&T outage affects other MVNOs?
From what I read ALL Consumer Cellular customers where moved to AT&T as of January 2024.I don't believe this is correct. My wife and I are on Consumer Cellular, my phone is on the AT&T...
View ArticlePersonal Investments • Advice Requested on Re-Balance of Retirement Portfolio
I didn't do the math, but if you had put everything as a percent of total portfolio, then I think the math would be easy. Nevertheless, I think what you propose to do is great. Portfolio is great as...
View ArticlePersonal Finance (Not Investing) • Resident physician nearing the end and...
You are in fine shape. I'm not a doctor, but friends with many. - House makes sense. You can refi in a couple of years if you want.- Holding a year on real repayment makes sense. Then I would go after...
View ArticlePersonal Investments • Heavy Value Tilt Away from Mag 7 stocks
A belief based on CAPE data, is not a prediction. CAPE has been a good predictor if you believe the information.It's been a bad predictor of returns. Did you digest any of the posts that Homer made?I...
View ArticlePersonal Finance (Not Investing) • Medicare MSA plans
Just found this thread today, searching for much the same reasons as the O.P. The Lasso site now saysLasso Healthcare Insurance Company has made the difficult decision to discontinue Lasso Growth MSA...
View ArticleInvesting - Theory, News & General • LMP/TIPS Ladder Pros & Cons...
Have TIPS provided returns that more closely match one's personal inflation (which typically exceeds the CPIU) than a TSM index over any 10-30 year period? If so how many times has it happened?Total...
View ArticlePersonal Investments • Laddering securites?
Currently, you don't need to "lock up" money to get a higher yield because short term interest rates are higher than longer term interest rates (inverted yield curve). Short term rates are above 5% -...
View ArticlePersonal Finance (Not Investing) • Mega Backdoor Roth and Tax filing
You can only amend for three years, so if you started now, you'd be able to amend 2022, 2021, and 2020. Which would be a reasonable thing to do. As long as you keep good records, you should be OK. You...
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