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Personal Finance (Not Investing) • Behind financially, should we buy a house?
Nobody can say we are at the top of a cycle without accurately predicting the future (which obviously nobody can do). So where home prices will go from here, nobody knows. With the uncertainty of your...
View ArticlePersonal Finance (Not Investing) • $2.5M networth under 40 now what?
When we were at your stage in life my wife quit and became a SAHM:- One less income...- .... but no more childcare costs- Lots of quality time with the kidsNo regrets, although we could have FIRE:d if...
View ArticlePersonal Finance (Not Investing) • Preparing property for sale (order of...
My tenants are moving out and I am finally selling my townhouse. It's my first time selling.Built in 2002. Original everything (HVAC, carpet, etc) but newer roof. Zillow estimate 502500. Used to be my...
View ArticlePersonal Finance (Not Investing) • What's your current savings rate?
My wife and I have held various run-of-the-mill salaried jobs. Nevertheless, things change and then they change again, as life unfolds, and both income and spending end up being very volatile. We...
View ArticlePersonal Finance (Not Investing) • Property purchase help
If you're going to sub divide it in the future why not just sub divide it now? You could still provide the down payment for your friend but he could purchase the property himself with you as the...
View ArticlePersonal Finance (Not Investing) • Contemplating taking a step...
There is usually some way to afford to change jobs or scale back work or to retire early. In your case, this may or may not involve no change in your current lifestyle, or a deep cut of expenses, or...
View ArticleInvesting - Theory, News & General • Convincing others to leave an advisor
Summary:Financial advisor is beneficial to people who are financially illiterate.Financial advisor is beneficial to people who are fear based.Financial advisor is beneficial to people who are...
View ArticlePersonal Finance (Not Investing) • Is there a job that offers early...
Curious what OP thinks a job like this should pay relative to jobs where such benefit is not offered.Statistics: Posted by simplesimon — Fri Apr 19, 2024 6:05 am — Replies 18 — Views 2990
View ArticleInvesting - Theory, News & General • Math! And inflation decay of pension.
Assuming taking a lump sum is an option, do the math comparing taking a lump sum and investing in TIPS (or another asset allocation) vs continuing to take your pension payouts.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Income Tax in Philadelphia
First of all, what does this have to do with the subject, Philly income tax? Second, since you brought up minimum sales tax, what is the MAXIMUM Philly sales tax?Sales tax in Philadelphia is...
View ArticlePersonal Finance (Not Investing) • Yahoo Changed Something and Now My...
... I avoid Word unless absolutely necessary. How come, if I may ask?Is Word worse in some way for what it does than Excel for what it does?Statistics: Posted by PeninsulaPerson — Fri Apr 19, 2024...
View ArticlePersonal Consumer Issues • HELOC uses
We obtained a $100k HELOC in 2022 to pay for $28k solar panels. Rates at that time were @ 2.5 - 3%. We paid that off easily by the end of last year. Panels will pay for themselves within 3 years. My...
View ArticleInvesting - Theory, News & General • Is any time a good time to adjust...
While I am at my desired asset allocation, I have too much cash in taxable which creates a tax drag (I am in a 24% bracket). It seems like the right thing to do is to buy the desired number of VTI...
View ArticlePersonal Consumer Issues • Supermarket pizza - any good ones? Any great ones?
Newman's Own is a solid frozen pizza choice, particularly the "Imported from Italy" stone fired crust versions. Anything store brand that is imported from Italy is usually great, actually. Otherwise,...
View ArticlePersonal Investments • 401k to IRA to withdrawal for retirement expenses
I like my prior employers 401(k) and the Stable Value option that I can't get outside. I also transfer annual the amount I need to withdraw or convert to a Roth. I told DW to NEVER withdraw from the...
View ArticleInvesting - Theory, News & General • Investing like a Boglehead is easy...
It's very simple and easy. I have been following BH approach for as long as I started working.Statistics: Posted by wander — Fri Apr 19, 2024 6:23 am — Replies 37 — Views 4472
View ArticlePersonal Consumer Issues • Observing Tree Removal
If they don't use a boom like shown climbers will go up and drop individual sections, with ropes and pulleys if necessary, to protect any structures. We had a large tree removed from our backyard and...
View ArticlePersonal Finance (Not Investing) • To What Extent Do You Subsidize Adult...
We do not subsidize our adult children. They are many years into their careers, and enjoy high compensation. Once they finished college they found employment rapidly. When the grandchildren started...
View ArticleInvesting - Theory, News & General • Gold vs. TIPs
The correlation of gold price to inflation = 0.16 last 50 years.I think that number can be whatever you want it to be, tbh, depending on the timescale you use.Sites like PV may be looking at...
View ArticlePersonal Consumer Issues • Help a young Boglehead out: buy or rent?
I'm young, single, and there's nothing *keeping* me here. If I were to get a great offer to move elsewhere, I could rent out the condo. I also know that condo prices, in DC and many other cities,...
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