Personal Investments • Re: Retiring in 6 months (off TSLA options); Plan...
Yep. We have to come to terms with a few things First the fact that direct to consumer AI has been a complete disaster. Gemini is a laughing stock. Every company that decided to do AI search results,...
View ArticlePersonal Investments • Re: If you were in my shoes how big would your...
Age: 25. Unemployment would take off about $3.3k but I don’t know if I would get it if I’m fired for cause. Not that I would try to have that happen.I don't believe you'd get unemployment if you were...
View ArticlePersonal Finance (Not Investing) • Re: Considering Retirement - help running...
Your tax person can help there but avoid bothering that person before and after the end of each quarter.My tax person is TurboTax but perhaps that is worth considering a change. Some professional help...
View ArticlePersonal Finance (Not Investing) • Re: What's Your Credit Card Rewards Strategy?
I did not see that anywhere in the terms, but it does say you already need an account to apply online. They say you can apply over the phone or in person if you do not.Sorry I was not clearer,...
View ArticlePersonal Investments • Re: IUL Policy Investment guidance
A problem with all forms of whole life insurance is that you probably do need life insurance; pure life insurance, i.e. term insurance, is cheap during the time when you need it, which means you can...
View ArticlePersonal Finance (Not Investing) • Advice for Mom - Convert to Roth or not?
Hello all,I'm trying to help my Mom make the most of her retirement savings in a somewhat complicated, to me at least, situation. I'll try to leave out (most) of the complicating factors that I don't...
View ArticlePersonal Investments • VUSXX vs VBTLX
I believe I understand the psychological concerns behind the mantra among many to try to stick close to your investment strategy fundamentals—especially when it comes to allocations. However, what are...
View ArticlePersonal Finance (Not Investing) • Re: Ocean City MD condo rental -VACASA?
I can say I had zero issues with my 2022 Vacasa rental in Virginia Beach, VA.PaunchyPirate, thanks for your reply-Did you rent directly from Vacasa?Wondering if renting the unit through VRBO/Airbnb...
View ArticlePersonal Consumer Issues • Re: Anyone Into Archery?
Find a place that offers archery lessons in your area. There are many many variations of archery equipment and shooting styles you can try. I started with home made stick bows as a kid and have been...
View ArticlePersonal Investments • Re: Going to a 100% Stock Asset Allocation Due to Nice...
Same situation, but at 40/60 and the 40 is entirely U.S.If you've won the game, why keep playing?Who’s in the game? I’m at 95/5 and my children are in the on-deck circle, and we feel we’re investing...
View ArticleInvesting - Theory, News & General • Re: Sell Total bond fund (BND) to...
If you're into market timing, I'd guess that since you missed the peak rates, you should stay in BND which does well in a falling rate environment.Statistics: Posted by popoki — Sun Sep 08, 2024 8:52 pm
View ArticlePersonal Investments • Re: Does opening a 529 account as a California...
I like tax sheltered growth, but it is up to you!I agree, which is why I'm maxing out all except 529 (Pre-tax 401k + Mega BackDoor Roth IRA + 2 Roth IRAs).But 529 will be useful for college and...
View ArticlePersonal Finance (Not Investing) • Re: Trying to Understand Estimated Taxes...
Is your wife paying social security contributions? If she doesn’t, that would also impact your taxesWas that not included in 2023 total taxes paid? I just want to be in the safe harbor - I fully...
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Personal Finance (Not Investing) • Re: Please help me overcome fear of...
$420K in 529 Plans for 2 kids currently ages 4 and 8? Is that accurate or is there an typo of a zero in there?If no typo, then are you planning on using 529 proceeds to fund private Primary or...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
I had posted the below in a different thread, figured I'd quote it here...FWIW, my initial estimate is this would be a positive $1,000 - $2,000+ a year with our spending, cost avoidance, etc.Well this...
View ArticlePersonal Consumer Issues • Re: Life in 50s, 60s, 70s, 80s, 90s, 100s (the...
Op, not everyone gets a full, enjoyable life, sounds like you're doing pretty well, be grateful.Statistics: Posted by mark_in_denver — Sun Sep 08, 2024 8:57 pm
View ArticlePersonal Finance (Not Investing) • Re: choosing a part D Medicare plan?
...The discount plans that nisiprius mentioned, do not report to CMS. However, I use Publix Pharmacy and they maintain subscriptions to GoodRX, Paramount, and other discounters. Whenever I pickup my...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity as a one stop shop
Thanks everyone for the insight! Seems like my CMA (Checking) and Brokerage (savings) set up will work just fine.Statistics: Posted by Friz — Mon Sep 09, 2024 9:09 pm
View ArticleInvesting - Theory, News & General • Re: Help with theories of...
I need some help conceptually with how funding ratio works with PV, NPV, inflation, income & expenses (read a LOT about them including viewtopic.php?t=407798&start=50)Let's take some very...
View ArticlePersonal Consumer Issues • Re: What Movie Have You Recently Watched?
Another one is Idiocracy (trailer https://youtu.be/6lai9QhBibk?si=2vuRl4rHAlZD5C84). Entire cast is from Saturday Night Live. It is a satirical comedy.Only person from SNL I see on the cast list is...
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