Personal Finance (Not Investing) • What Toys Have You Bought That Have Been...
Airplanes. My wife grew up flying in small airplanes and we have traveled all over and had many good times together in an airplane.Statistics: Posted by Workinprogress — Thu Mar 21, 2024 11:11 pm —...
View ArticlePersonal Finance (Not Investing) • Do you tip hotel staff when checking out?
$5 a night esp when spouse/kids. couple bucks in the rare occasion bell hop is needed. couple bucks if a bell hop gets me a cab. Used to be in India you would leave something like 10% as a tip at...
View ArticlePersonal Finance (Not Investing) • ACA / Cobra timelines?
The ACA plan is not retroactive. It starts the 1st of the following month.If your employer coverage has already ended, you will have a gap.However, if you are still within the 60 days elective period,...
View ArticleNon-US Investing • Courage to Invest in Equities
There is 1.25% of discretionary spending. That helps a lot... The market is up 10% so far this year... Maybe it's good idea to sell a year or two worth of expenses right now, and lock in those gains...
View ArticlePersonal Investments • VWIAX [Vanguard Wellesley Admiral Shares] for 80+ inlaws?
Did I miss that you specified taxable or not? That can make a huge difference. Are they spending more than the income from the fund? Is it subject to RMDs?Statistics: Posted by tibbitts — Thu Mar 21,...
View ArticlePersonal Finance (Not Investing) • At what age to tell child about family's...
Financial aid applications for college used to reveal a lot more information than they do now,but some info is still made known to the student. Let them know before they need to take over. I let my...
View ArticlePersonal Finance (Not Investing) • CitiBank "Simplified Banking"...
I would go with the ETF route but I already have a brokerage account with Schwab and don't wish to equities spread in multiple brokerage houses.Actually one of my reasons for creating the Citi...
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Personal Consumer Issues • When brand names matter and when they don't
This is a fun topic, but I must disagree with some of your findings:TP - Kirkland is thin, uneconomical stuff. Because of this, you must use more, so it costs no less than Charmin, which I prefer. I...
View ArticlePersonal Finance (Not Investing) • Long-Term Care/Protecting Assests
For those of you in a similar circumstance, how do you plan on sheltering your assets from the ravages of LTC and ensure they're passed on to your heirs where they rightfully belong? Self funded =...
View ArticlePersonal Investments • 23 years old, question about investments in taxable acct
Congrats on a good start at a young age (much better than I was doing at age 23!). Our son is a year younger than you and has a similar start. He and I discussed the recommendation for an IPS (noted...
View ArticleInvesting - Theory, News & General • Cash accumulator pathology
The market goes up more often down down. Holding Cash or staying on the side means you time the market in the wrong direction. Still, you do have $4M, so either you are doing better than you think or...
View ArticlePersonal Finance (Not Investing) • Please help me help my uncle with an...
I fear that your work gathering so many death certificates is going to be ultimately in vain because the only way your uncle gets to keep the account is if there’s some very odd clause in the contract...
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Investing - Theory, News & General • Trading Treasuries (nominal and TIPS)
Another TIPS question. I was looking at tipsladder.com and here is one such ladder. Now looking at it, it seems to me, one would be paying quite a bit for the TIPS marked in red. Is that correct? Do...
View ArticlePersonal Consumer Issues • Supermarket pizza - any good ones? Any great ones?
When I hear what concert tickets cost today (to all-too-often watch the show on a "jumbletron" - as a previous Boston mayor used to call them!), I literally cannot believe it.Go to local shows. They...
View ArticlePersonal Finance (Not Investing) • The best game-changing financial advice...
The bucket portfolio concept by Christine Benz at Morningstar.comPlus, articles about proper asset locationStatistics: Posted by PSM — Fri Mar 22, 2024 11:09 pm — Replies 195 — Views 20970
View ArticlePersonal Finance (Not Investing) • Do I need a buyer's agent when seller is a...
…and arrange for inspections?No. But I definitely wouldn’t use one recommend by a RE agent. Just piling bad incentives on bad incentives.You must have had some bad experiences. Good realtors will have...
View ArticlePersonal Finance (Not Investing) • Automatic State Tax Extensions
For CA, filing Federal Form 4868 gives you an automatic extension to Oct 15.For CA the extension is automatic. I don't think that form 4868 is required (although it's required for Federal, so it...
View ArticleInvesting - Theory, News & General • Reset 4% withdrawal floor if...
So, do you believe that 4% is some immutable law, or that we just don't have enough samples yet to have seen a failure (based on Bengen's allocations)?That was addressed in a previous post to this...
View ArticlePersonal Finance (Not Investing) • If you don't have a will made out...do it....
Not for your sake but the sake of anyone you care about so 1) your wishes are fulfilled and 2) it makes dealing with the "business end" of your loss MUCH easier. Frankly I wish it was a federal law...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
I largely agree with you on this.It's odd that you can hold this belief, and belief in factors (I see you have a heavy dose of SCV) simultaneously in your head. It must get confusing making...
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