Personal Finance (Not Investing) • Re: Updating Cost Basis at Fidelity/Schwab
I found it very easy at Schwab to update cost basis for securities without any. I was able to do it online. For shares that already had cost basis but needed correction, I had to use a form.Schwab...
View ArticleInvesting - Theory, News & General • Re: Ultra-Short-Term Treasury Index...
.Toddthebod, How do you make it search all the fund families available? I can only get it to search one fund family at a time. It looks like there are almost 400 fund families available.Vanguard has a...
View ArticlePersonal Consumer Issues • Re: Best Cellular Provider To Prevent Sim Swapping...
Resurrection a really old thread.Anyone heard of or use Efani? They claim to be the most secure service. Any truth to that claim?https://www.efani.com/Statistics: Posted by anoop — Mon Mar 03, 2025...
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Investing - Theory, News & General • Re: A time to EVALUATE your BOND...
I serendipitously moved into an allocation with bonds in January due to my age and potential upcoming retirement. I'm glad to see they have been chugging along but I'm not under any illusion that I...
View ArticlePersonal Finance (Not Investing) • Re: Life Estate - House will be vacant...
Another thing to consider is whether your father may need to apply for Medicaid. A life estate is a common way to shield a house from Medicaid claims, as long as the life estate can be established at...
View ArticleInvesting - Theory, News & General • Re: Expense Ratio
Lots of ETFs would track almost exactly with VTI without being VTI and have very low ER. Like ITOT, SPTM, even VOO or SPY. A Russel 1000 ETF like Vanguard's VONE. Or the Russel 3000 Vangaurd etf VTHR....
View ArticlePersonal Consumer Issues • Re: Any music production people here (recording...
Professional musician and music teacher here. I’ve begun to feel more and more inept in the industry as I’m not very familiar with ProTools/Logic. I can kick butt at Finale or Sibelius, but...
View ArticleInvesting - Theory, News & General • Re: Tax Loss Harvesting Specifics
Buy ITOT with the proceeds. There are at least a dozen reasonable TLHing partners for VTI.Do you have another total US ETF you like that's substantially different from the two in case of a big drop...
View ArticleInvesting - Theory, News & General • Re: How do other wealthy families...
I suspect it gets harder for the 2nd and 3rd generation. But reducing complexity definitely has value. < $5 million doesn't call for a very complex solution though IMHO. How many trusts and...
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US Chapters • Re: Seattle Area Chapter Meetings - Master Thread
For people who are in Seattle/Bellevue, would you like to meet at the end of March (Sunday 3/30) ? I figure we should have pleny to things to talk every three months ? ... Please response if you are...
View ArticlePersonal Consumer Issues • Re: South Florida spring break …help me plan
Keys are great, but I haven't been there recently. Other things to do within an hour or so from where you're staying:Naples has a nice car museum:https://revsinstitute.org/Venice area has shark teeth...
View ArticlePersonal Investments • Re: [Safe Withdrawal Rate] Are you 3% and why/why not?
I won't be spending anywhere near 4%, but not because I don't think I could if I wanted to. Our challenge is getting our giving level up that we're spending or giving at least 4%. If something crazy...
View ArticlePersonal Finance (Not Investing) • Re: Fire at 42 - this time in Spain
Looks that you have a good plan then, if you stick to normal apartments and don't have super expensive habits. I recommend that you keep learning the language and you'll enjoy it even more.Yes,...
View ArticleInvesting - Theory, News & General • Re: Edward Jones rep giving out free...
I work in a professional services industry (not financial services) and am constantly exhorted by business managers to "just grab a coffee!" with prospective clients to drum up business.It has never...
View ArticlePersonal Investments • Re: Advice regarding overly complex Cash Balance Plan
What is the end goal of your cash balance plan? Is it to be used as a pension eventually or will it ultimately be closed and you will roll your contributions into an IRA or 401k?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Re: What is your favorite Retirement...
I really like maxifi planner. Once it is properly set up it is easy to run what if scenarios, and to stress test my plans.Statistics: Posted by friendlydave — Wed Mar 05, 2025 11:40 pm
View ArticlePersonal Investments • Re: Questions to ask at a dinner given by an insurance...
Is this wild caught, or farm raised salmon?Statistics: Posted by StevieG72 — Wed Mar 05, 2025 11:46 pm
View ArticleInvesting - Theory, News & General • Re: Why equity allocation makes so...
I think the problem is that you are frestiricting the model to bonds and growth funds. Those are not the only investmatnes available. You can replace bond with dividend funds to resolve the...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Anyone tried to have P1 and P2 shared the same brokerage account with $100K in total while applied for their own Smartly card separately and still qualify for the 4% cashback on both Smartly card?...
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Personal Consumer Issues • Re: At what point do you give up on your old car
Living in the rust belt, cars around here usually rust out before they are mechanically unsound. When the frame gets holes they are shot.Fluid film the car's undercarriage every 2-3 years, double the...
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