Personal Investments • Re: Backdoor Roth after Purchasing Mutual Fund in...
I would lump sum. If an emergency comes up, you can always take contributions out of the Roth to handle the emergency.Statistics: Posted by mhc — Tue Dec 31, 2024 11:21 am
View ArticlePersonal Consumer Issues • Re: All fire alarms going off at my house.
3At certain times of the year there are "nats/Knats" tiny flying things that get into the detectors and set off the photoelectric sensor. They are attracted to the tiny LED light in the detectors. Why...
View ArticleInvesting - Theory, News & General • Re: How Do You Like My New 'Doo
Morningstar Stock Stylebox24 25 1208 08 0408 07 03Morningstar Bond Stylebox08 59 1104 15 0201 00 00US Stocks 47.89%International Stocks 16.87%Bonds 32.59%Cash 1.38%Other 1.26%Top 10 Holdings...
View ArticlePersonal Investments • Re: Kids accounts
I agree!You can prepare but cannot always predict how responsible an 18 year old is. So of course it's their money but it would be nice to say at some other age (say 25) "Hey, guess what you have X...
View ArticlePersonal Consumer Issues • Re: US Mobile vs. Mint - anyone here tried both?
Thanks! I’m trying them out now. I did the $15 for 2GB and am testing out ATT to see if they have better service. They let you get a new number.Are you on the Light plan? That's 2GB for only...
View ArticlePersonal Finance (Not Investing) • Re: Prescription Drug [Pricing - cash...
A couple of things:-It is contracts with insurance companies that keep pharmacists from telling you if the cash price is lower unless you ask AFAIK. I believe these clauses are prohibited in some...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Are there purchase limits on these offers?Yes - I saw $20 cap for "Groceries" (not a particular vendor) -- and McDonalds (not that I'll eat there in 2025</resolution>) had a $3 cap.Statistics:...
View ArticlePersonal Finance (Not Investing) • Re: Need some retirement advice, please.
Gentlemen, I believe this conversation needs to come to an end. I hadn't meant to insert so many personal details about my family and that's totally on me. I really appreciate all of your advice and...
View ArticlePersonal Finance (Not Investing) • Re: Recast Mortgage?
I would not prepay a dime on a 3.1% mortgage. An added benefit to carrying a mortgage is that it provides an inflation hedge. Continue to shop around for the best current yields. Vanguard Fed Money...
View ArticlePersonal Consumer Issues • Re: Sabbatical/Time Off Between Jobs
I would ask my kids what they want to do this summer with the time off and spend it in that way making memories.Absolutely this is what we did with our daughters when they were growing up. We would...
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Personal Finance (Not Investing) • Re: Is $4M enough?, age:40, valedictorian...
[/quote]I never would have questioned the work ethic of someone who amassed $4M by age 40 To the OP, go plug it all into TPAWplanner.com and look at the various spending paths to see if it satisfies...
View ArticleInvesting - Theory, News & General • Re: Annuity concerns with Bermuda...
Although I am thankfully not affected by issues with this company - it brings up questions re: state guarantee that I wonder if someone (ie Stinky!) can answer. (I did follow the link but don't think...
View ArticlePersonal Finance (Not Investing) • Re: Estate Planning to ensure Non-Spousal...
thanks for the comments. Food for thought!Statistics: Posted by mbt863 — Thu Jan 02, 2025 11:30 am
View ArticlePersonal Investments • Re: 30 percent equity allocation in retirement
This is a question without any right or wrong answer.If 30% equity suits you, it suits you. But I would run some Monte Carlo projections to make sure I have enough to last the estimated time frame of...
View ArticlePersonal Investments • Exploit an HSA loophole or take advantage of Employer...
I am starting a new job and one of the benefits is a $1,000 annual employer contribution to an HSA account. I currently have my health insurance through my domestic partner, and because we are...
View ArticlePersonal Finance (Not Investing) • Re: Online Service to Issue & File...
Check out Track1099 - have used it for years with good successStatistics: Posted by ILnative — Thu Jan 02, 2025 11:31 am
View ArticlePersonal Finance (Not Investing) • Re: Collective Investment Trusts vs....
If you know the index followed, that is sufficient. An advantage for CIT’s is there are no explicit dividends, which makes bookkeeping simpler, and can help avoid wash sales in some circumstances. I...
View ArticlePersonal Investments • Re: Portfolio/Plan Review Please
3.Our financial planner recommended overweighting small and mid-cap equities by adding VIMAX and VSMAX to the mix, which I realize doesn’t reflect purist BH ideas about keeping things simple. Does...
View ArticlePersonal Consumer Issues • Re: African Safari and Victoria Falls Adventure
Also, canoe in the Zambezi river. Which was terrifying. Hippos are no joke. I wouldn’t do that again.The scariest rafting stories I've ever heard took place on the Zambezi. Elephants trampling camps,...
View ArticlePersonal Investments • Re: Changing the AA in an Investment Plan?
Is there an ideal strategy or theory for making a change like this?Do we pick a date and change everything at once or do we spread it out and sort of dollar cost average over time?Since there are no...
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