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Personal Finance (Not Investing) • Re: This is why I'm glad I started...
Not sure that I understand. Started earlier than the OP, am some number of years older, am doing more or less OK portfolio-wise, long ago passed the 25X or 33X or 50X or whatever ratios folks decree...
View ArticlePersonal Consumer Issues • Re: Is there a fiduciary problem with the Kahala...
It sounds like you're unhappy with this CCRC from your other post. To me, it seems like the Board of Directors gave reasonable and honest answers to the questions about their fiduciary duty. I'm...
View ArticlePersonal Finance (Not Investing) • Re: Checking for frequent Euro traveler
HSBC Premier is very good. All ATM fees reimbursed, very good foreign exchange rates, no foreign credit card fees. I am not sure about any difference with Expat HSBC. There is a minimum account...
View ArticlePersonal Finance (Not Investing) • Double fee for international ATM withdrawal
I am currently abroad and had to withdraw cash twice at an ATM. I just noticed that I've been charged twice for each by my bank - once for "balance inquiry" and once for "withdrawal". As far as I...
View ArticleInvesting - Theory, News & General • Best Bogle Books?
Have been a member of the forum etc for years so I'm pretty familiar with indexing/ index funds but don't think i've read any, what would be the best books to read?Statistics: Posted by alex123711 —...
View ArticlePersonal Investments • Re: Small cap lagging large cap in portfolio
I am 50% invested in large cap and 50% small cap for my 401(k). The crazy difference in return the last quarter has me nervous and wanting to rebalance my portfolio. I don’t want to rebalance now and...
View ArticlePersonal Finance (Not Investing) • Re: How much is okay to tell a prospective...
How much do you have for retirement?Maybe you can retire right now and that should be your question. I’m also a “chemist” but have been in a non-lab role for most of my career.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Re: Retiring to Upstate NY
This has been a rather interesting thread - would anyone have any info on what would be the coolest upstate area in the summer?Statistics: Posted by FireISBorn — Wed Jul 03, 2024 4:23 am
View ArticlePersonal Investments • Re: Talk me out of these USAA annuities
I have not bought in and I'm being pestered.If you're being pestered, I'd tell the agent firmly "no", either on the phone or in writing (or both).And then I'd block further contact with this person.It...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
I agree with what JL Collins had to say about holding international stocks. https://jlcollinsnh.com/2012/09/26/stoc ... l-funds-2/. Namely, you don't really need them because of added risk, added...
View ArticleNon-US Investing • Re: Is It Worth Mixing MSCI and FTSE Funds to Save 0.14%...
I’d like to get your opinion on a small technical question. I follow a global market-cap benchmark like MSCI ACWI IMI or FTSE All-World All Cap in my portfolio. Part of it is custodied at a large...
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Personal Investments • Re: TIAA stopped selling life insurance. Five years ago!
I don't believe that an insurance company is held to the same standard of care on a "closed block" of universal life policies. While the company might not cut interest rates to the guaranteed rate...
View ArticleUS Chapters • Re: Post your Financial Milestone Announcements Here
Just hit $2 million total NW! (And I mean hit, not so much passed. Rounded to the nearest thousand it still rounds down to $2,000,000.)It feels like it took forever because I first crossed $1.99MM a...
View ArticlePersonal Investments • Re: market indexed CD
-Maximum return is 100% participation in S&P 500**What is the actual return that your CD will be credited? Is the multiplier currently 100% of the S&P 500 price change?And does the bank have...
View ArticlePersonal Consumer Issues • Re: Chrysler Pacifica Platinum AWD V6: Experience,...
OP: You mentioned this car was large for you. Have you considered a Subaru Forester or Outback?My MIL just purchased a new Forester. Rides nice; all wheel drive, seems to tic all your boxes.BIL has...
View ArticlePersonal Investments • Re: Is an AUM Fee a Taxable Withdrawal from an IRA ?
Isn't an AUM fee taxable income to the advisor/manager?Statistics: Posted by 22twain — Thu Jul 04, 2024 4:35 am
View ArticlePersonal Finance (Not Investing) • Re: Fidelity as a one stop shop
Caught this in my June statement.Effective August 22, 2024, the bank that issues the debit card associated with the Fidelity Account (R), Fidelity Cash Management Account and Fidelity Youth(R) Account...
View ArticlePersonal Investments • Re: Talk me into diversifying ... (high tax burden)
1. Psychologically convince yourself that you don't really have $5.4M. You only have $3.6M plus an interest-free $1.8M loan from the IRS, and you must repay the loan2. Otherwise look into charitable...
View ArticleInvesting - Theory, News & General • Re: Where My 100% Equities Peeps At?!?
Outside our emergency fund (~18x monthly expenses), we are 100% equities (70:30 VTI:QQQ) and have no intentions of changing anything with our AA.That emergency fund is too big to not be included as...
View ArticlePersonal Investments • Roth IRA, "unrelated debt-financed income...
I received a note from my brokerage saying this regarding my Roth IRA:"According to IRS rules and based on our records, your margin trading activity generated unrelated debt-financed income (UDFI)....
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