Personal Consumer Issues • Re: How do you utilize AI (artificial intelligence)?
I don't. I'm a professional writer and despite my boss persistently needling me to do so, I neither need nor want it. If someone doesn't really know how to write and wants to lean on it, whatever,...
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Personal Investments • Re: Portfolio review and practical advice for recent...
I agree with bonesly that your EF may not be large enough if you're worried about the length of time to find a job.How many months of expenses (net of your spouses income) is your 70K EF? Is this...
View ArticlePersonal Consumer Issues • Re: Sauces
for balsamic: we do around a pound and a half I think. Enough that there are four servings so we have leftovers. Whatever fits in your largest frying pan. For the tangy ranch we fill up a 8x8 inch...
View ArticlePersonal Finance (Not Investing) • Re: Parents CPA
I appreciate adult children helping their parents with tax preparation. Discussing the returns is tricky when there is no POA on file due to confidentiality issues. In addition, I am always concerned...
View ArticleInvesting - Theory, News & General • Re: Why Roth conversions always pay...
If a person stuffs money into reasonable investments in a tax sheltered account, whether it is ROTH or pretax, they will benefit. Sometimes it seems people get wrapped around the axle about which is...
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Personal Consumer Issues • Re: Cost of dental visit
Just had cleaning, exam and bitewings $245 in Boulder, Co.Dental insurance, if you are paying out of pocket, rarely makes sense.You cannot make such a broad statement without knowing individual...
View ArticlePersonal Consumer Issues • Re: New home security - overkill?
Keep the burglar alarm sign and remove the alarm system and or stop paying. Why.?? if your neighbor does not have a burglar alarm and you do or a sign that says you have one, guess where they will...
View ArticleInvesting - Theory, News & General • Re: “100% stocks for retirement? A...
I only have access to the Morningstar article, which doesn't have the full detail. It's not clear to me if they did 100% for the enire lifetime and the other use a fairly aggresive allocation and then...
View ArticlePersonal Finance (Not Investing) • Re: Robinhood SGOV substitute payments in...
When you have a margin loan they can lend out your shares (it's called rehypothecation) with share lending turned off, and you get PIL instead of dividends. viewtopic.php?p=8253157#p8253157In other...
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Personal Consumer Issues • Re: Current Appliance prices - should I wait?
I need to buy a dishwasher, and I saw the same thing. Speculation on causes would be pointless coming from me, but I suspect prices will not come down if people buy appliances at their new prices. On...
View ArticlePersonal Investments • Re: Portfolio backtesting BND needs to go
Seems like an apples to oranges comparison if you are comparing BND (intermediate bond ETF) to SCHD (US Dividend Equity ETF). If you are seeking safety in the Fixed Income portion of your AA, perhaps...
View ArticlePersonal Consumer Issues • Modern Insulation On Old House while Re-Roofing.
Small old house in seattle, built before 1910. Single floor with a full attic. True sized 2x4 rafters with 4" of fiberglass batt stuffed between them. Above the rafters is lathe, 3/8" plywood sheet,...
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Personal Consumer Issues • Re: Privacy comparison to SMS?
I stumbled across an anti-SMS YouTube video. But it doesn't tell me if WhatsApp (an obvious alternative) is better than the ol' Short Message Service. Which is better for privacy? The last thing I...
View ArticlePersonal Finance (Not Investing) • Re: Best Cashback Credit Card Thread......
For many years, I've only used a single card - Capital One Rewards. Originally, it was a flat 2% back. It dropped to 1% some time ago.A few weeks ago, I decided to reorganize. I buy a lot of stuff...
View ArticlePersonal Consumer Issues • Re: Attic and home insulation
I dont know... I read a number of times now that if you change your insulation and make changes to the air tightness of your house, chances are you can create mold along the way. This is hearsay and I...
View ArticlePersonal Finance (Not Investing) • Re: Most cost effective way to exchange...
Most cost effective is to find somebody you trust and send the money via remitely to their bank and then they withdraw it at their bank. I do this with my finance at it is the cheapest...
View ArticlePersonal Finance (Not Investing) • Re: HSA "shoebox" documentation
Thanks all for the insight and conversation. For some additional background, I've been contributing to my HSA for 4+ years now, but just recently getting around to the "shoe box" documentation for a...
View ArticlePersonal Consumer Issues • Re: WhatsApp - messaging platform
Y'all do realize that there are approximately 17 trillion cat videos accessible online without an instagram account, right?Statistics: Posted by snic — Mon Feb 17, 2025 8:42 pm
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Personal Investments • Re: De-risking a portfolio at retirement
We're entering retirement this year at ages 66 and 69. Our investment accounts hold: <snip>We have 30x expenses now, taking SS at 70.Do both of you have a SS worker's benefit? What age is the...
View ArticlePersonal Investments • Re: Fresh meat! Questions from a new guy...
We visited a financial planner recently, a very close and trusted friend of my brother. Very nice guy, small shop, personal touch sort of thing. This usually doesn’t end well.Can you elaborate why...
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