Personal Investments • Re: How do I keep pre-marital 401k separate?
It seems that you are planning on marrying someone with significantly fewer assets than yourself. Yes, my partner has significantly fewer assets than myself as they have only been working for three...
View ArticlePersonal Finance (Not Investing) • Are we saving enough?
1/ By enough, I mean ... good enough so that we can retire and be able to afford to live the same level of lifestyle with a conservative withdrawal rate. 2/ By retire, I mean ... I want to have the...
View ArticlePersonal Finance (Not Investing) • Re: Wills, TODs, and promissory notes
Being both beneficiary and creditor, you can simply consider the debt repaid via the house transfer. However, you’re still at a dilemma as to the excess. It’d be yours to do with as you wish, but your...
View ArticlePersonal Finance (Not Investing) • Re: Term Life Insurance for mid 30s
Based on both the replies, it seems to me term-life insurance is best for short-term protection like 10-20 years.Are you both suggesting that having a life insurance at old age is a bad idea ? If so,...
View ArticlePersonal Consumer Issues • Re: Renting a SUV/Van in Italy
I agree completely with seriously considering hiring a driver/van while in Italy. We did that on our most recent trip there with the family, and it was an excellent decision.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Re: United Credit Card or Chase Sapphire for...
I never really understood the point of the United card. If you fly United frequently, you could argue that the free bag and group 2 boarding is helpful, but then again you probably have at least...
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Investing - Theory, News & General • Re: Vanguard Notice - Update to...
Fidelity keeping it real by funneling business to a competitor. https://www.fidelity.com/news/article/i ... TH38738050Statistics: Posted by whodidntante — Mon May 13, 2024 6:46 pm
View ArticleInvesting - Theory, News & General • Re: Would TIPS behave any...
That is the whole point of buying an individual long dated tips vs a nominal treasury— protection from unexpected inflation. You might get different results with a tips fund as if there is unexpected...
View ArticlePersonal Finance (Not Investing) • Re: How do seller credits work on a cash...
So for the most part, it sounds like closing credit limits only apply in a lender situation. And they don't apply in a cash purchase scenario.Where did you get that idea? Did you see the sample...
View ArticlePersonal Investments • Re: Novice on Roth conversion could use some insight
I will read that, thanks!Statistics: Posted by dano257 — Mon May 13, 2024 6:47 pm
View ArticlePersonal Finance (Not Investing) • Re: Amazon One Medical offer
Any recent experiences, a year later? I received an email promotion today reminding me of the availability of One Medical for $9 a month (Prime members):* 024/7 on-demand care via Video Chat or...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
Comparing Aspida (A-); 6.15% for 5 years to Canvas (B++); 6.25%If the amount is well below the state insurance fund limits, it seems like the company rating wouldn't be a significant factor, although...
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Investing - Theory, News & General • Re: Andrew Lo on AI for financial...
Any robo can tell me VTI and age in bonds. Or whatever. Why pay % for that?I didn't read the article Statistics: Posted by ctfish — Mon May 13, 2024 6:48 pm
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
After some more follow up, I've quoted you once again. Indeed, my auto insurance policy provides no coverage in Europe, so I only have coverage of the car itself via my credit card; it does not...
View ArticlePersonal Investments • Re: FZROX - Fidelity ZERO® Total Market Index Fund -...
An additional note about portability of Fidelity funds. I recently contacted Schwab about transferring Fidelity Total Market (FSKAX) or Fidelity S&P 500 (FXAIX) to a brokerage account, and the...
View ArticlePersonal Consumer Issues • Re: Need Lighting Specialist Help
OP here. Many thanks for all the suggestions. I’ve just covered half of the light with carpenter’s tape that I covered with a white electrical tape. I will test it out tonight to see what effect it...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
One hour in the branch. $3500 bonus secured.That's only if there's a branch near you for me it would be half a state away to get to one so no.Are we talking Texas or Rhode Island? Fun day trip for the...
View ArticlePersonal Consumer Issues • Re: What do you all pay for TV and internet? rates...
Dropped ATT cable in 2017. $50 a month for Xfinity Internet, we have Amazon Prime and Paramount. Hubby gets Freebee and Roku on one TV. More than enough reruns.Statistics: Posted by Lalamimi — Tue May...
View ArticleInvesting - Theory, News & General • Re: Vanguard Preparing to Tap Former...
We don't really know why Buckley is leaving VanguardWasn’t he canned?Statistics: Posted by WhitePuma — Tue May 14, 2024 6:58 pm
View ArticleInvesting - Theory, News & General • Re: I don’t understand why tax loss...
That's fine but there are scenarios where TLH loses. YRMV.Name one.When your tax bracket goes up significantly in the future.If this is the case, it means you have significant non-taxable account...
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