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Personal Consumer Issues • Re: gas stoves leak gas even when off?
...but don't let an article without real data sway your thinking. Just my opinion.You must have missed the reference and link in the article to the Stanford study from which the details of the article...
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Personal Finance (Not Investing) • Re: Prepaid credit cards or debit cards...
With the Apple Card, you can add them as authorized users and set the monthly and per transaction limits. The iPhone wallet app will breakdown their spending per category and give you the ability to...
View ArticlePersonal Investments • Re: Thoughts on bonds vs. cash
Bond funds are risky, as myself and others have discovered recently. I reviewed the Wiki perspective on bonds to see where it led me astray. Here is a quote from the Wiki: "You want your risks on the...
View ArticlePersonal Investments • Re: VMFXX vs VUSXX
Liquidity issues which affect the operation of the fund. Likely why VUSXX went to repos last year. Those types of problems are less likely for the next two years.Seems fine to me.VUSXX as of 11/30 is...
View ArticleInvesting - Theory, News & General • Re: Vanguard is creating a T-Bill ETF
That's what I was thinking..0007 X $100,000 is $70 a year...every year.If you buy your own T-Bills, you can control the durations and pick the best available payouts.ER=0Eh, if I spend an hour doing...
View ArticlePersonal Investments • Re: De-risking bonds as I approach retirement fund...
Principal can be protected by both reducing the risk of default and also shortening the term. Yes, I have suggested both in one topic which might be too much.Not too much. Credit risk and term risk...
View ArticlePersonal Finance (Not Investing) • Re: Headache with balancing everything in...
At some point you are going to learn what happens when you try to balance too many things: one of them falls to the floor and smashes.You cannot balance all these things. You have to prioritize. No...
View ArticlePersonal Investments • Re: Safe retirement income plan?
A historical model like FireCalc estimates that 5% of initial investment, not inflation indexed, taken from a 100% stock portfolio, has a 2% chance of running out of money before 30 years. If the...
View ArticlePersonal Investments • Re: Traditional TSP or Roth TSP?
In 2023 I switched all my TSP contributions to Roth but the match goes into Traditional. Once the Roth conversions are available in the TSP, I plan to convert until I get a 50/50 split.Would you...
View ArticlePersonal Investments • Re: Why VTI if VOO outperforms historically?
I look at it as strategy vs outcome. Just because you have the best strategy doesn’t mean you always win the battle. I think VTI is the better strategy over VOO, but it’s not a big advantage. If all...
View ArticleInvesting - Theory, News & General • Re: Bill Bengen: We Should Market...
But as I keep pointing out, ad nauseum, TIPS don't work well for large taxable portfolios in the high inflation they are meant to protect against. If we knew FOR SURE that we'd have high, long...
View ArticlePersonal Finance (Not Investing) • Re: Uninsured Motorists Bodily Injury
What's your UMBI premium for the coverage period (usually 6 or 12 months)?$148 per 6 months.Statistics: Posted by slippinsurlies — Wed Dec 11, 2024 7:14 am
View ArticlePersonal Consumer Issues • Re: Genealogy research
On the free side I was able to get a lot from FindAGrave.com, which Ancestry links to. Again, I was very familiar with the places, and was readily able to find most all the burial info that was...
View ArticlePersonal Investments • Re: PE investing in SpaceX
I am new to private investing, and just reached accredited investor status this year, thanks.This is not a knock on you, but would you think this was a good idea if you had not reached accredited...
View ArticlePersonal Finance (Not Investing) • Re: Which cash back visa to pay Medicare...
Wells Fargo, Fidelity (Elan) and Citi doublecash all offer 2% and are pretty standard. I have all 3. With Fidelity, open a cash management account with automatic deposit of rewards to guaranty you get...
View ArticleInvesting - Theory, News & General • Re: Is the asset allocation skewed...
Consider a portfolio of $100You have a Roth with $75 worth of Equities.You also have a tIRA with $25 worth of Bonds.On the surface, this looks like a 75/25 AA. But...The $25 worth of bonds in the...
View ArticlePersonal Consumer Issues • Re: gas stoves leak gas even when off?
+1Our natural gas standby generator wouldn’t run an electric stove, induction or otherwise. With our gas appliances, when the electricity is out, we can cook, wash and dry clothes, and have heat and...
View ArticleInvesting - Theory, News & General • Re: Comments on paper "The...
OK I read it and can spare others the trouble by sharing this post from the White Coat Investor that I keep bookmarked for exactly occasions like this:https://www.whitecoatinvestor.com/safe- ......
View ArticlePersonal Investments • Re: Is Physical Gold and Silver Still a Smart...
Is investing in physical gold and silver still the best way to protect wealthWas it ever the best way to protect wealth?Statistics: Posted by Rocinante Rider — Thu Dec 12, 2024 7:21 am
View ArticlePersonal Finance (Not Investing) • Re: Can a non-account holder have use of a...
Remember that the purpose of this forum is to educate. If a member doesn't understand what's wrong, we will show them how to do things right.Here's an explanation on Medicaid eligibility: IRS Gift Tax...
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