Personal Finance (Not Investing) • Re: Intuit's Mint App Shutting...
So last year I gave Quicken Business & Personal a try. But it's not able to connect to all of my accounts.I turned to Tiller, which has had more success...but not 100%. Some accounts (primarily...
View ArticlePersonal Investments • Re: Explain expense ratio to me
Historical results are net of fees, so for your examples:#1: $100,000*1.1=$110K#2: $100,000*1.12=$112KP.S. Yes, I know about the "return comes and go, fees are forever."Predicting future results, not...
View ArticlePersonal Finance (Not Investing) • Re: My car got keyed....any advice
Just ignore it?My car got hit with something in a parking lot. It’s got a dent in the side. I’ve just left it there for yearsStatistics: Posted by ScubaHogg — Sun Jun 30, 2024 3:49 am
View ArticleNon-US Investing • Re: Do US brokerages demand an IRS Transfer Certificate...
Welcome to the forum.I am the guy behind this post on reddit https://www.reddit.com/r/BEFire/comment ... n_with_us/ and I am in the middle of the situation you're talking about.TLDR: my father passed...
View ArticlePersonal Investments • Re: Dropping Vanguard PAS - need advise
Questions:1.I’m not sure why PAS has some of our funds in both the mutual fund version and the ETF version. Is there any advantage to keeping funds in Admiral Funds? Will we lose access to Admiral...
View ArticlePersonal Consumer Issues • Re: Business trip to South Korea - Tips needed
- Drink 2-3x as much water on the flight as you think you need to. And don’t count on the flight attendants to give you enough. Buy a couple liters at the airport - exercise and sunshine day of...
View ArticlePersonal Finance (Not Investing) • Re: Another “should I pay off my...
Is your marriage going strong? In some states inheritance if kept separate is individual property in divorce. If put into home it would immediately be joint property. If strong marriage pay off home....
View ArticlePersonal Finance (Not Investing) • Re: At what net worth or income should one...
While they usually don't run out of food, they can definitely run out of the reasonable food. I had flown before on Etihad airlines, and they ran out of everything except the vegan option which was...
View ArticleNon-US Investing • Re: UK based new investor
My different 2c.Definitely no bonds until the mortgage is paid off - instead I assume you can pay down the mortgage early to reduce your monthly mortgage payments over time and get the home full paid...
View ArticlePersonal Investments • Re: Vanguard Dividend
Thanks for sharing. I had similar experiences at Edge and Schwab where there was no indication of the dividend. Robinhood did the best.Brokerage: VanguardReinvestment: Dividends set to pay out to my...
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Investing - Theory, News & General • Re: Schwab US Small-Cap ETF: What...
It's been a long time since small-caps have outperformed large-caps. The wait should therefore be much short to get the outperformance that comes from small caps.What is this "should" you speak of?...
View ArticlePersonal Consumer Issues • Re: Home Internet Speed Guide
While you didn't provide details about your home configuration, I'll say that in my experience the vast majority of people who have performance issues actually have issues with their local wifi, not...
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Personal Finance (Not Investing) • Re: keeping assets separate in a marriage
What's the best way to keep assets separate in a later in life marriage. Just get a prenuptial agreement ?By not getting married.This +2Statistics: Posted by ScubaHogg — Tue Jul 02, 2024 2:55 am
View ArticlePersonal Investments • Re: Lost about $200k in stock market now what?
I’m not sure how you can say the 200k did not affect you. It was 28% of your portfolio. This is why people say do not gamble in penny stocks. What are you doing to prevent yourself from gambling in...
View ArticlePersonal Investments • Re: Fidelity CMA to pay bill and Vanguard Cash Plus...
Fraud can happen anywhere, and fidelity is no worse than any other bank, I would assume. I would not bother having a suboptimal vanguard cash account when I could just maximize a money market...
View ArticlePersonal Investments • Re: Withdrawal Strategy - Early Retirement
DW and I retired early.Given the long duration of our retirement, if our withdrawals exceed 3.5% in a year that would be a red flag. Per firecalc 4% has a small failure possibility.We withdraw...
View ArticlePersonal Investments • Re: CD ladder leading to automatic rebalancing
We are retired and reduced our AA to 65/35. We are going out 18 months in treasuries for lumpy expenses that we expect to have. The rest is staying in stocks/bonds. If you are shifting entirely away...
View ArticlePersonal Investments • Re: Variable annuity question
I'd just add that you should be mindful of tax consequences. You don't have to take the $85k out all at once - you could do it over 2 or more years to minimize the tax hit, if necessary. But then of...
View ArticleInvesting - Theory, News & General • Re: Article: Why not 100% equities
All stock 30 year SWR has higher variance/volatility in outcomes that other more balanced asset allocations. Following bad cases typically exceptionally good cases arise, those more extreme exceptions...
View ArticleNon-US Investing • Re: Investing for >70yo relatives
I see in EUR there's only one for Corp bonds and one for Italy Govt Bond. the latter defeats the purpose to me? the whole point is diversification, they should have probably done a 'Ibond Eurozone...
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