Personal Finance (Not Investing) • Re: Legal ways to protect money after...
Sorry for your situation. I can't speak to anything else, but I can tell you from 1st hand experience that you don't have to claim any taxes on gifts if it's below $18K. My grandfather has gifted the...
View ArticlePersonal Finance (Not Investing) • Re: A Roth Conversion Example
"What reason would the user have to be in doubt?"Make a few runs with Pralana and we can disccuss the resulting outputs. Hopefully we'll soon know the OP's experience with Pralana, and we have the...
View ArticlePersonal Consumer Issues • Re: Being Frugal
Being frugal is to utilize financial resources efficiently and effectively with little or no waste.This is fun to think about.. It seems quite inefficient to use the word frugal, when we could just...
View ArticlePersonal Investments • Re: I’m new to investing; here [is] my portfolio. Help!
Having the same investments in both personal brokerage account and Roth IRA account exposes you to the dangers of wash sales rules. These rules say that, if you were to sell an investment for a loss...
View ArticlePersonal Investments • Re: Forced brokerage transition: Other low cost MF...
Northern trust. They have the basic set of core index funds all with fees in the .05%-.15% range.Statistics: Posted by the_wiki — Wed Jun 26, 2024 2:48 am
View ArticleNon-US Investing • Re: Unhedged bond fund for European investor?
Hedging is usually recommended for your bond fundThe Vanguard website used to ,probably still does have a good explanation for hedging Perhaps some one could provide a link?xxd091Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Re: As a practical matter ... what is...
There is some general advice that probate is not too bad in most states, but is particularly bad and expensive in California and New York. Unfortunately those are the 2 most populous states. So find...
View ArticlePersonal Investments • Re: Time to go 90/10?
You are OK to do whatever you want, 100-0 or 0-100.Why? You are 100X.If I was 100X, I'd be 0-100...all Ts and CDs.Why take any risk?Its not clear to me whether stocks, treasuries/CDs, real estate are...
View ArticlePersonal Investments • Re: Asset Allocation - Do You Include Cash?
I am in the cash is just part of fixed income camp.Statistics: Posted by halfnine — Wed Jun 26, 2024 2:56 am
View ArticlePersonal Finance (Not Investing) • Re: Are solar panels a good investment
I suspect that many of the solar warranties will prove useless. Not that the products will fail, but thr companies behind them won't exist when/if needed.Many electronics have a "bathtub curve"...
View ArticlePersonal Consumer Issues • Re: Where to Purchase High End New Sport Coat....
shopthefinest and yoox, both fully legit long-time online seller of italian ready to wear garments. Shopthefinest has a stringent return policy (no refunds, only store credit) and the sizes of most...
View ArticlePersonal Consumer Issues • Call Centers--Track How Often Call?
What percent of companies with call centers in your opinion track how often a customer calls in? By track I mean each time a customer has called in the past, that information is displayed on the...
View ArticlePersonal Consumer Issues • Re: At what point do you replace your HVAC system?
We have a Goodman 2.5 ton AC that was manufactured in 2002. We have lived in this 1800 SF, single level, house since 1993 so I was the one who had the current unit installed. About every 2>4 yrs...
View ArticlePersonal Consumer Issues • Re: Call Centers--Track How Often Call?
Pretty sure any place you have an account with they have records of every call you’ve ever made to them.Statistics: Posted by ClassII — Thu Jun 27, 2024 2:44 am
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Investing - Theory, News & General • Re: Modified versions of HFEA with...
Hey folks! Thanks for all the research and discussion you've all documented here.I've been making my way through the thread, but has there been much discussion about using treasury spreads to hedge...
View ArticlePersonal Finance (Not Investing) • Submaximal Estate Tax Brackets Moot after...
Trying to simplify estate tax Form 706 in my estate planning spreadsheet. In 2002, the estate tax exclusion amount ( $12.92M for single decedents dying in 2023) was increased above the highest estate...
View ArticlePersonal Investments • Re: NVDA Windfall: How much to sell?
After seeing all the chatter about NVDA, I decided to check our investments. We bought this stock years ago for about $700. I was pretty shocked to see that it is now worth almost $300K! It is now a...
View ArticlePersonal Consumer Issues • Re: 1984 speculative fiction
A Canticle For Leibowitz. I first read this in 1965. Found the audiobook at the library five years ago.I don't see the thematic connection to 1984?One is a post nuclear war novel about the...
View ArticlePersonal Finance (Not Investing) • At what net worth or income should one...
I was just listening to (an American) couple sitting next to me, while eating breakfast at a hotel restaurant in Europe. They went on a memory lane about an economy seat flight experiences with their...
View ArticleInvesting - Theory, News & General • Re: How are gold/silver different...
Gold isn’t subject to a 51% hack. While bitcoiner’s say that it’d be too expensive to pull off, wait for the day when they are no new coins to mine and all miner revenue must come from transaction...
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