Personal Finance (Not Investing) • Re: Mortgage
“Credit unions usually don't have the most competitive rates. It's up to you to decide if it's worthwhile to trade 0.25% (sometimes 0.375%) for a non-local lender. If proximity of lender is an issue,...
View ArticleInvesting - Theory, News & General • Re: Is this fair to say about...
My wife and I use an advisor for advice only. She will manage money for an AUM if you want, but we choose advice only. Her hourly rate seems high, but her rates escalated a few years ago because of...
View ArticlePersonal Finance (Not Investing) • Re: Check my Roth Conversion...
..take a look at Whether, when, and how much to convert (and the rest of that wiki article).Which one is the "..A useful spreadsheet for generating these plots is the Personal Finance Toolbox...
View ArticleInvesting - Theory, News & General • Re: Y'all may be missing the point...
The degree of precision in some of these strategies is startling -- especially in a crowd that normally goes for "good enough". That some of the same people are claiming their TIPS ladders are a...
View ArticlePersonal Investments • Re: I made a huge blunder - Roth IRA - I want to avoid...
I have no limit on the SPAXX settlement fund inside Roth IRA that I can contribute to but I cannot buy anything in FZROX anymore since I maxed at $7k. When ever I want to contribute to FZROX in Roth...
View ArticlePersonal Finance (Not Investing) • Re: Solicitation from Fisher Investments
"It takes skill, perseverance and savvy to be counted among the wealthiest Americans. To have out-saved and out-invested your peers speaks to the kind of individual you are. It should also explain the...
View ArticleInvesting - Theory, News & General • Re: "What Goes Up"
The cover essay of this month's Harper's MagazineEntertaining read. Thanks for sharing.Statistics: Posted by CFM300 — Mon May 20, 2024 7:55 pm
View ArticlePersonal Finance (Not Investing) • Re: Suggestions on Executrix of Estate
DH and I rewrote our wills within the past few years and in the process learned that our CU offers an executing function for wills. Honestly, having navigated closing out my dad's estate (and he died...
View ArticleInvesting - Theory, News & General • Re: New version of PortfolioVisualizer?
Or maybe someone who works in the UI/UX design profession can chime in and explain these proliferating aberrations?The unfortunate answer is that you're an outlier. Most people prefer this style of...
View ArticlePersonal Investments • Re: Help me with AA, tempted to be aggressive
OP, how would you feel if you took more risk in pursuit of higher expected returns, only to encounter a market crash? I would say 60/40 or 70/30 allocations might be reasonable if you have a high...
View ArticleInvesting - Theory, News & General • Re: I Bonds Mega Thread (I Bond...
I do NOT understand why I was told to use Form 5511. It makes no mention of death of a bond holder. Further scrutiny reveals this paragraph: 3. TRANSFER TO ANOTHER TREASURYDIRECT ACCOUNT I...
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Personal Consumer Issues • Re: What non-frugal thing did you do today?
Driving kid to school instead of making her ride the bus Statistics: Posted by runner3081 — Tue May 21, 2024 8:17 pm
View ArticlePersonal Finance (Not Investing) • Re: Bank of America/Merrill Edge -...
Does anyone know how to order free checks as a preferred rewards member? My platinum honors status just posted and I need some paper checks. When I try to order them online it still tries to charge me...
View ArticlePersonal Investments • Re: I thought I had made a mistake - Roth IRA - I want...
Why doesn’t the system auto buy the fund once the funds transfer from my checking account?The system is likely not designed to do that. The system is likely designed to have cash transferred to an...
View ArticlePersonal Investments • Re: Evaluating our current bonds/fixed income holdings.
To educate yourself about bonds and learn more than you probably need or even want to know, you could read The Only Guide to a Winning Bond Strategy You'll Ever Need: The Way Smart Money Preserves...
View ArticlePersonal Finance (Not Investing) • Re: Low Expenses, How?
Seems hard to believe a couple can have expenses under $50K or $60K. That's more than many family/household incomes in the US. Location is certainly one factor in the variance, but there are plenty of...
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Personal Finance (Not Investing) • Re: Property Manager Recommendations in...
I've been using Real Property Management Legends based out of Farmers Branch to manage my sfr in McKinney for the last year. It's not a huge firm (I think they manage about a hundred rental houses...
View ArticlePersonal Investments • Re: Help me invest $10m ...
And avoid any type of private investment like the plague...take it from an older, but wiser investor.You don’t make 1000x by investing on the S&P…As I wrote, having 10M opens up new opportunities...
View ArticlePersonal Investments • Re: Roth conversion tax using indirect rollover
Inform the receiving Roth custodian that the contribution is a conversion so they can report it correctly on Form 5498. Otherwise, even if you tell them it's a rollover, they won't know if the funds...
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Personal Finance (Not Investing) • Re: What to Do with Mom's House
SELL! SELL! SELL! Why on God's green earth would anybody do anything else? Statistics: Posted by FreddieFIRE — Wed May 22, 2024 8:19 pm
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