Clik here to view.
Personal Finance (Not Investing) • Share your net worth progression
Anyone else feels like the last 5 months are not real? I was at 220k by end of October 2023 and thought "300k would be nice to reach within the next 1.5-2 years" and here I am at 296k today Yes, I...
View ArticleInvesting - Theory, News & General • Why investment complexity is...
I also am actually drawn to the simplicity and cleanness. I also have engineering tendencies.The optimist says the glass is half full. The pessimist says the class is half empty. The engineer says the...
View ArticleInvesting - Theory, News & General • How to not have overconfidence in...
You have a larger ER for a reason. Don't dismiss your caution during a different earlier outlook of the markets prospects. An ER allows you the privilege of 'what if?' but without the security of...
View ArticlePersonal Finance (Not Investing) • kiddie tax calculation and strategy
I think I found the answer to my first question. It's pro-rata. That explains the weird calculations of HR&Block.Statistics: Posted by aha — Sun Apr 07, 2024 1:45 am — Replies 1 — Views 150
View ArticlePersonal Finance (Not Investing) • Federal Taxes: confused by these numbers...
Thanks! That would explain things!(1) Your W2 income on its own is underwithheld. On $374k of income you should have withheld about $98k in taxes.Can you tell why it was underwithheld -- is that a...
View ArticleInvesting - Theory, News & General • The silliness of the 4% rule - WCI
Food for thought: If you're taking on risk, what is the meaning of safe? Unless you have a failsafe plan you could be toast.There is no fail safe plan, as we all end up toast.A poor outcome plan has...
View ArticleNon-US Investing • Best ETF (or stock/strategy) to passively invest long term
Yes, I've seen "VWCE & chill" being suggested everywhere, but isn't FWRA technically the same thing as VWCE except it has lower fees?Actually Invesco FWRA has 2039 participations while VWCE has...
View ArticleClik here to view.
Investing - Theory, News & General • Worries of long term retirees
Things I worried about before retirement:1. Sequence of Return Risk [SORR]I spent a lot of time and effort on this. I delayed retirement, adopted a more conservative asset allocation, and piled up...
View ArticlePersonal Finance (Not Investing) • Best way to be a first-time home buyer if...
That is my concern.Then buy the large house you actually want to live in. See if you can qualify for a lower downpayment loan with PMI. Or an interest only mortgage. Or an ARM. Or a 40 or even 50 year...
View ArticlePersonal Finance (Not Investing) • Parents scammed - what do we do?
Thank you all for your help today! My sibling and I realize we're going to have to start having some tough conversations with our parents about the future. This whole thing is shocking and sad.Please...
View ArticlePersonal Finance (Not Investing) • Greater downpayment vs investing
There was a time when you could buy a home with near 0% down on interest-only mortgages. It wasn't that long ago. It would not plaster any of your money into the house. Eventually you have to start...
View ArticlePersonal Investments • General Portfolio Recommendations
Top level thing you can do is stop giving to Total Market and S&P 500 if you are still contributing. No harm in keeping in taxable but you are duplicating effort because they are basically the...
View ArticleNon-US Investing • Investing resources for Canada
Thanks muchStatistics: Posted by Yvy — Sun Apr 07, 2024 3:15 am — Replies 2 — Views 197
View ArticlePersonal Consumer Issues • 4 winter weeks in Southern Spain???
Granada is a treasure and I personally would way rather spend time there than Seville. Visit Seville but don’t stay, it’s been Disney-ified. Cordoba is great. The mountains are great but not in...
View ArticleInvesting - Theory, News & General • Golden Butterfly Portfolio - is it...
Theoretically, I'm not very comfortable with the idea of holding 20% gold across all our investment accounts. 5% or even 10% I can handle, but more than that does worry me a bit. There is no intrinsic...
View ArticlePersonal Consumer Issues • Recommendation for lightweight carry-on luggage?
I have seen Tom Bihn mentioned on here quite a bit, but they seem expensive for what they are. Any experience with their travel bags, and if so which one? Rick Steves also makes a similar bag that is...
View ArticlePersonal Investments • Using up large accumulated capital loss with treasury...
I am investigating implementing this procedure. The next ex-dividend date for SGOV is 1 May 2024 (Wednesday). If I sell before market close on the prior date (Tuesday) and then re-buy the day...
View ArticlePersonal Consumer Issues • Costco Discounts? AAA discounts?
Miscellaneous Next - brands for less, from socks to sheds.Flower delivery - Free delivery, sometimes overnight. Good quality, generous returns.Statistics: Posted by MJS — Mon Apr 08, 2024 2:26 am —...
View ArticlePersonal Finance (Not Investing) • Do all acounts need to be titled with...
Even if probate is not difficult in a specific state, wouldn't one want to reduce executor costs by using TOD or a trust? I'm looking at a PA bank's executor fees for assets that go through probate...
View ArticleInvesting - Theory, News & General • $ubscription investing advice...
No, because they are always wrong in their predictions yet they will claim they "called" this or that financial event. I also don't want to buy into fads or whatever stock they are pumping as the...
View Article