Personal Investments • Re: Soon-to-be-divorced portfolio & spending check
You make over $200k and you are asking permission to spend $50k? Yeah, you're good, go for it. Honestly you could retire now if you want and likely never need to work again.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Re: Unsolicited "real estate" cellphone...
Recently I've been getting calls, up to ten per week, from self-described charity PACs, employing a newer tactic: playing what are obviously recorded messages, but with someone listening in and...
View ArticlePersonal Finance (Not Investing) • Re: Dad wants Wife to live in house left...
Can dad put his estate in a trust and find an attorney to serve as the trustee? The trustee would have instructions to care for the house and provide a minimal income for the wife and then distribute...
View ArticlePersonal Investments • Re: ETFs vs Direct Indexing
Thanks everyone for your replies!Statistics: Posted by Bitzer — Mon May 27, 2024 9:06 pm
View ArticlePersonal Consumer Issues • Re: New iPad Air or 10th gen iPad?
We will travel this summer and next summer (and probably more after that) and dh was thinking that maybe a tablet would be better than taking our laptop. I am sure the iPad 10th generation would be...
View ArticlePersonal Finance (Not Investing) • Re: Serving as executor for a friend
Are you prepared to locate and reimburse an attorney in each respective state to take the wills and associated estates through probate? Have your two friends provided you with printouts of all their...
View ArticlePersonal Investments • Re: 401k: Roth or Traditional?
I will be the contrarian here and say to the OP, you have done exactly what you should have done. An apocryphal story: two investors, Adam and Bob. Adam invests $10k per year for ten years, and never...
View ArticlePersonal Investments • Re: 100% in stocks. 15 years to retirement. Too risky?
But why plan for the worst case? That seems really paranoid. What’s the basis for this?Because if your savings rate is good enough to get rich even in the worst case, you almost, almost, not 100%, but...
View ArticlePersonal Investments • Re: Does an estate have to pay CGT on precious metals
I don't know anything about Washington state income or estate taxes. I can speak to only IRS taxes.Re: WA/USA IRS taxesQuestion: Given an estate has a lot of assets in precious metals. The owner of...
View ArticlePersonal Investments • Re: Which Virginia 529 "account" to withdraw...
Thanks for your thoughts, everyone!The allocation we have to stocks is pretty conservative. Considering you can easily move money between kids' accounts (and my son has a like a 6-8 time horizon until...
View ArticlePersonal Investments • Re: TIAA "guaranteed" annuity is not all...
FWIW, back in December 2019 I initiated a one-life, five-year annuity, which was the fastest way to cash out some non-liquid TIAA trad I had in an old GRA plan. Additional amounts were paid every...
View ArticlePersonal Consumer Issues • Re: Unexpected hard credit inquiry
Why ask for advice and then completely ignore it? I find this thread rather fascinating.Do you take 100% of advice you get from folks on the internet? There’s a lot of useful info on this thread.The...
View ArticlePersonal Consumer Issues • Re: Starguard or Lo jack worth it?
Isn't almost every new car connected to cellular service/GPS? The last three cars I've owned you can track on an app and they can be remotely shut down. I suppose if you're dealing with really...
View ArticleInvesting - Theory, News & General • Re: The 60/40 Portfolio Is Not Dead;...
The issue is people treating TIPS as reliable inflation protection when the fundamentals of the instrument are dubious for that purpose. For mild inflation TIPS are a nice variant on treasuries,...
View ArticlePersonal Investments • Re: Best way(s) to fund grandchildren's college
Years ago, a financial advisor told us to save the money using a equity index fund in a taxable account. Then, gift the money to the grandchild after the last college year's FAFSA form is filled out...
View ArticlePersonal Investments • Re: Windfall Allocation and Retirement
3. Even if I fill up my Traditional IRA with bonds, I'll still need to have some Bonds in my Taxable to reach my AA. I'm wondering if a tax exempt bond fund like VWITX ( Vanguard Intermediate-Term...
View ArticlePersonal Consumer Issues • Re: What Are Your Simple Pleasures?
Enjoying excellent coffee, reading non-fiction books, listening to music (jazz, 60-70’s era rock, Baroque period classical), enjoying a McDonald’s Egg McMuffin or Sausage McMuffin for breakfast about...
View ArticlePersonal Consumer Issues • Re: So what are you cooking
Shake & Bake pork chops for dinner tonight, with salad and mashed potatoes.not throwing shade, but Shake and Bake has partially hydrogenated oils (trans fats, known to not be good for you). Here's...
View ArticleInvesting - Theory, News & General • Re: Filling the TIPS gap years with...
I think there are multiple goals in attempting to duration match a new issue TIPS with bracket year TIPS, which isn't the case when duration matching using all secondary market issues; i.e., using...
View ArticlePersonal Consumer Issues • Re: Fruit wipes for international use?
The term "international" covers a lot of territory, even if it is "tropical". I would not be afraid to eat the skin of fruit in, say, Grand Cayman. Sub-Saharan Africa, different story.Statistics:...
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