Personal Consumer Issues • Aquarium and home fishkeeping
Consider where you place the aquarium from a leak standpoint. It’s not a matter of if it will leak, but when. Think 50 gallons of water and what sort of damage it may cause. It’s happened to me twice,...
View ArticlePersonal Finance (Not Investing) • Flexible premium adjustable life insurance...
It’s kind of hard to say what to do without knowledge of the health of the insured.The size of the policy may influence how far down that rabbit hole you want to go.Statistics: Posted by DrDubious —...
View ArticlePersonal Finance (Not Investing) • Property tax protest in Texas
We always appealed in Texas, except for the three years they failed to notice we had built a large house on the lot.As one considering a move to Texas, question:Is one not required to obtain a permit...
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Personal Investments • Sharing why we went with Vanguard PAS
Also, we used dollar cost averaging over 18 months to invest in equities (Vanguard management approved)... I feel over years our portfolio may get tweaked as Vanguard’s extensive market research...
View ArticleInvesting - Theory, News & General • Vanguard Customer Service Mega-thread
there’s two sides to every story.why not offer your side.OK, I’ll bite. I have no problems with Vanguard. I also have a Fidelity account. No problems there either. They are different but they both...
View ArticlePersonal Consumer Issues • Duke Energy ignored me so I took tree down myself!
Say nothing! In today’s business world, they’ll probably think someone at Duke addressed this issue & no one there bothered to note that the complaint was already resolved.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Uncovering Hidden Real Estate...
When evaluating our portfolios, many investors focus on the allocated percentage of real estate investments through REITs, which typically represents around 3%. However, this approach might be...
View ArticlePersonal Finance (Not Investing) • I'm Sorely Confused by TIPS Taxation
Oh no… I just assumed the 1099 I got from Schwab would have all the relevant information (1099-INT and 1099-OID) and my accountant took care of it. Are you sure there is a component that must be...
View ArticlePersonal Investments • Berkshier Hathaway vs voo or vti in taxable account
What was the greatest stock market buying opportunity in the last 20 years? The GFC where the market dipped to insanely low levels in 2009. Returns from that period through today:Code: Portfolio...
View ArticlePersonal Investments • ESPP advice
A 10% discount is actually an 11.11% gain (you are buying at 1/.9) so your gain is larger than you think. If your offering periods are every 6 months as most are - you are looking at a 22.22% yearly...
View ArticlePersonal Finance (Not Investing) • What was your effective tax rate in 2023?
48% here in California, 36% is federal. And no... this is not marginal, this is average or effective.Congratulations!! Even without any deductions, you must have made a killing. It gets even better...
View ArticlePersonal Consumer Issues • Banking apps on your phone?
I have multiple banking apps on my iPhone because its convenient.Statistics: Posted by djplourd59 — Sun Apr 21, 2024 6:22 am — Replies 44 — Views 2482
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Personal Finance (Not Investing) • Cons of buying a property without much...
I would absolutely take the ugly house in the great neighborhood. The old adage for Real Estate "Location, Location, Location" is quite true. Overtime you can likely make some changes to improve curb...
View ArticlePersonal Consumer Issues • Portugal Travel Tips?
We enjoy wine, but I don't want to spend too much time on the road, and obviously very limited on how much tasting one can do if self-driving.I am going to offer a thought that will likely go counter...
View ArticlePersonal Finance (Not Investing) • To What Extent Do You Subsidize Adult...
My parents were extremely generous throughout my childhood and continued through early adulthood. After college was debt free and even had small savings account from money I made through work. They...
View ArticlePersonal Finance (Not Investing) • Breaking the golden rule.. House > 401K...
Given the extenuating circumstances of 2 special needs children, I personally think taking some financial risk is worth it for your family’s mental and physical wellbeing. I’d trade some financial...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
... The pain for me is that I would have to now switch from Vanguard mutual funds to similar Fidelity/Schwab mutual funds that do the same thing as the ones I currently have in Vanguard. So now, in...
View ArticlePersonal Consumer Issues • A Wealth of Well-Being (Meir Statman book) Opinions?
I have read his "Finance for Normal People" which I enjoyed and quoted it on BH.org. I will eventually read this one when it shows up in the public library. Thanks for bringing it to my attention....
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Personal Investments • Investing advice for newbie/catch up
Welcome to the forum .What are the ticker symbols and expense ratios on the funds you are using in your 2 accounts, and in the funds offered on your employer's plan?What are the ticker symbols and...
View ArticlePersonal Consumer Issues • Paris 3 full days - Help plan please
I would recommend Versailles on Day 1 rather than the long day as planned. On our last trip we did a day trip to Normandy from Paris (we were in Paris for a week) which was great but it is a long day...
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