Personal Consumer Issues • Re: Greece in August 24
We just got back from a wonderful Greece trip in May / June. We got euros from the Alpha Bank in Athens. We have the Schwab debit card so it was no problem...I agree with others, do not get a car in...
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
Installed a GFCI outlet and crawl space dehumidifier as the final step in encapsulating the crawl space. Also installed a PVC pipe to drain the condensate from the dehumidifier pump.The relative...
View ArticlePersonal Finance (Not Investing) • Re: moving DW to rehab center, need advice
Hi OPIt’s important to know which type of rehab your spouse is going to , an inpatient rehab facility /acute rehab(IRF) vs skilled nursing rehab e.g nursing home type (SNF) as they bill differently...
View ArticlePersonal Finance (Not Investing) • Re: Co-own Mortgage after... [divorce]
Your divorce agreement or judgment needs to spell out what happens to the house. Ownership is separate from the note. Generally one ex quit claims ownership to the other. But both would remain legally...
View ArticlePersonal Investments • Re: How to invest in an account that must be zero in...
If you want a guaranteed payout in 10 years, take the money and buy either a 10 year U.S. Treasury note or an intermediate bond index fund - total bond market or treasury fund. If you want to roll the...
View ArticlePersonal Investments • Re: Characterizing if SORR Materializes
Thanks for the replies. But my question gets more to how does one quantitatively determine in real-time (as opposed to a Monte Carlo projection at year 1 or a historical lookback at year 30) that they...
View ArticlePersonal Consumer Issues • Re: Airport lounges - what's the value?
The domestic lounges are useful if you’re a business traveler and need a quiet place to make a call, get on wifi/send or receive email, charge electronics, grab a quick bite or drink, use a clean...
View ArticlePersonal Consumer Issues • Re: Why is this Samsung TV so cheap?
Easy answer is you are buying from Walmart. Here are places to learn about TV features and see...
View ArticlePersonal Finance (Not Investing) • Re: SSA now requi-Login.gov or ID.me acct...
If you go to the social security office to update your address on file with them, and are not yet actually drawing any social security, I would wait another week after that before you try to link up...
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Personal Consumer Issues • Re: Costco hikes membership fee for the first time...
Hmmm, an increase in membership fee yet no change in membership benefits. 1st my Costco CitiCard decreased benefits and now this increase in membership fee. Thinking I'll just dump my Executive...
View ArticlePersonal Finance (Not Investing) • Re: $3200 a month to feed a family of 5????
If the food is very healthy and fresh $3,000 for five people seems reasonable. We spend about $1,500 in a VHCOL area between the two of us but we eat very little processed food. We could probably...
View ArticlePersonal Investments • Re: Yield to Maturity versus Coupon Rate on Bonds--new...
Thank you to the previous answers I have received. I do have a wrinkle in the equation, however. I am buying a bond that will be inside my traditional IRA. I will also no be re-investing the interest...
View ArticlePersonal Finance (Not Investing) • Re: Keep or sell rental property?
The cap rate isnt 7%. You need to calculate based on the value not your purchase price. Return on Equity is the number you want to be looking at. You own the homes outright and they're worth 1.1m. Add...
View ArticleInvesting - Theory, News & General • Re: The Perfect Portfolio
Interesting concept. Are the bonds hedged?Indeed they are! As per some of the global fixed income research from firms such as Vanguard. https://www.vanguard.co.uk/content/dam/ ... en-pro.pdfWe tested...
View ArticlePersonal Investments • Re: Rainy day check in - Should I reallocate now or...
As other mentioned, you just need to establish a rebalancing and consistently stick to it. You want to avoid a situation where you start to second guess when to rebalance. This can create unneeded...
View ArticlePersonal Consumer Issues • Re: 1 month in California, Hawaii, Greece or ____?
Thanks all. That makes sense and helps narrow things downStatistics: Posted by ThankYouJack — Sat Jul 13, 2024 5:51 am
View ArticlePersonal Finance (Not Investing) • Re: Strategies for minimizing lifestyle...
We never budgeted.When working we paid ourselves first in the forms of savings we needed to retire in our mid-50's and spent the rest like drunken sailors. Now in retirement and still not budgeting....
View ArticlePersonal Investments • Re: Conversion from mutual funds to ETFs: details?
Oh i see. We did some Vanguard to Vanguard too. Like a poster said it happens behind the scenes staying invested along the way. Update for others reading who might have dame scenario Etrade didn't end...
View ArticlePersonal Consumer Issues • Re: How Often Is Your Credit Card Compromised?
I think every sit down restaurant we go to in the US now uses payment devices that are brought to the table and accept contactless payments. So no more server taking card back to the register where it...
View ArticlePersonal Investments • Re: Why I am thinking of not doing Roth...
So, by the time I'm 75, the combined income of my pension, SS and the RMD still won't currently change my 22% federal tax status.In addition, if you move into the next bracket due to higher than...
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