Personal Consumer Issues • Pet accidents: hardwood vs tile vs luxury vinyl plank
Ceramic tile is honestly the best for this. Urine mops up easily, and you can even use a 10-percent bleach solution on tile to kill the urine smell. You can also pour enzyme cleaner on tile floors. I...
View ArticlePersonal Investments • Retirement Withdrawal Strategy for Preserving...
When you are 60 and you have a 13 year old who could outlive you by 50+ years and may need income for the rest of her life i think it’s a very different analysis than if you feel you can spend down...
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
Folks PLEASE sanity check me on this: I think we can get cheaper financing than box spreads - Sell deep ITM leaps (puts)This assumes portfolio margin, so the leveraged portion just dips into buying...
View ArticlePersonal Investments • Is there a way to calculate US savings bonds value at...
I found some old US savings bonds the other day. I looked up their value on treasurydirect.gov, and they're returns are very unimpressive. They're all $100 series EE bonds, and the earliest one is...
View ArticlePersonal Investments • Cash for options exercise
Is it really different than how to buy anything else? HELOC may be your cheapest source of secured financing. Do you have nothing else in a taxable account?No, that is a good point. We have a lot of...
View ArticlePersonal Investments • Investment to pay for my annual Life Insurance Premiums
I might have misunderstood the verbiage in the policy, but can even their guaranteed amounts be inaccurate? The policy was purchased in 2011 so it was when interest rates were very low. I had always...
View ArticlePersonal Finance (Not Investing) • Automatic extension for tax filing if...
I was reading the instructions for Form 4868 and it says I do not need to file for an extension to file taxes (extension deadline is October 2024) if I've paid part or all of my estimated taxes...
View ArticlePersonal Investments • Why Wellington?
Vanguard has a tax center that provides all kinds of tax information.https://advisors.vanguard.com/tax-cente ... end-incomeVWELX - 2023 Year-end QDI figures for dividends - 45.45%I have shares in...
View ArticlePersonal Investments • I bonds selling
Tho all my ibonds are paper, only one beneficiary is allowed per bond.Statistics: Posted by AnnieKat — Sun Mar 03, 2024 5:47 pm — Replies 11 — Views 797
View ArticleInvesting - Theory, News & General • The greater the risk the greater the...
I equate risk with uncertainty. variability of returns. so what should you expect from a stock from which you expect a wide range of possible outcomes? a higher expected return than from a stock which...
View ArticlePersonal Consumer Issues • What are some of the things that improved YOUR...
Forget about the “Jones” live your best life. Health account is far more valuable than wealth account. Gym, outdoor, living on private acreage-Statistics: Posted by Scubadude — Mon Mar 04, 2024 5:42...
View ArticlePersonal Finance (Not Investing) • Help in simplifying portfolio
One thing you are missing is that you can give away your VB, not pay any long-term capital gains tax, and get a tax deduction (if you give to charity and can deduct the charitable giving as an...
View ArticlePersonal Finance (Not Investing) • Does healthcare remain a significant...
DW and I, both in our mid-50s, are contemplating an early retirement soon before we hit 60. We have savings of about 30X estimated annual expenses, including budget for healthcare costs (premiums,...
View ArticlePersonal Consumer Issues • At what point in a car’s life do you try miracle...
We just had our explorer diagnosed with the same issue this week… about $1900 to repair at an independent shop. It’s a 2018 with 75k miles so we are pretty disappointed. We chose to monitor the...
View ArticlePersonal Investments • Vanguard Wellesley
Does the above have something to do with Wellesley?Someone want to start a T. Rowe Price thread?I was wondering when someone would bring that up. They are just similar funds.Statistics: Posted by...
View ArticlePersonal Consumer Issues • A person shouldn't go through life without...
Folks,A person shouldn't go through life without knowing more than one language. I know three and one of them has words from 6 to 7 languages. Then, the person will learn that how language limit their...
View ArticlePersonal Finance (Not Investing) • Feels impossible to take the foot off the...
My sense is there's a fair amount of undiagnosed and possibly subclinical anxiety. It's probably fine if people can't think of anything else to spend on that would bring more happiness, but that's not...
View ArticlePersonal Investments • vtsax vs vti
With VTI: They can rebalance intraday at a known price that they specify. They can take advantage of a Flash Crash.Statistics: Posted by livesoft — Mon Mar 04, 2024 5:46 pm — Replies 2 — Views 73
View ArticlePersonal Finance (Not Investing) • FIRE-ing In, Quitting versus Getting...
... In surveys I've seen, the majority of people are quite happy with retirement. I would speculate that the majority of the unhappy retirees are those that didn't financially prepare for retirement....
View ArticlePersonal Investments • QCDs before age 73?
If you are selling taxable assets like stocks to generate the funds, you don’t need to, and thus you avoid having the capital gains as income.Rather than sell stocks to make a charitable contribution,...
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