Personal Finance (Not Investing) • Re: Is DIY replacing a...
Seems you would be a good candidate for law school. I've replaced light switches and outlets and they are not hard to do. You can probably look up on youtube. When my ceiling fan busted I hired an...
View ArticlePersonal Investments • Re: Fido advisor said I don’t need bonds at 34yo
Hi All. I’m 34 years old and recently had a free consult with a Fidelity advisor who mentioned that at my age I don’t need bonds. My overall investment portfolio is allocated 5% to bonds (including...
View ArticlePersonal Investments • Re: SEP vs solo 401k
Thank you! I think I’ll probably go the 401k route so that I can put more away for retirement. I’ve heard there’s a way to contribute also to a Roth solo 401k- I would ideally like to try to do both...
View ArticlePersonal Investments • Re: Tax payment on Roth Conversion
Thanks for the replies. I'm pretty well caught up on the tax due for all my non Roth conversion income. None of Safe Harbor criteria are applicable. This is my first Roth conversion, so I was unsure...
View ArticlePersonal Finance (Not Investing) • Re: California small estate process -...
You might find the following published by the California Courts to be helpful: https://selfhelp.courts.ca.gov/probate/small-estateStatistics: Posted by SuzBanyan — Mon Dec 23, 2024 9:31 am
View ArticlePersonal Consumer Issues • Not-great remote optometry experience
Don't want to name the firm because it is a startup, the location only opened recently, and there could be teething pains. It was also unusual in that I had just had an exam by an ophthalmologist,...
View ArticleInvesting - Theory, News & General • Re: Modified versions of HFEA with...
Your asset allocation sounds reasonable to me for a person near or in retirement but with a long runway to go and with a goal of continued high expected capital returns for funding a lifestyle in the...
View ArticlePersonal Investments • Re: Does Margin Investing Make Sense?
Hi everyone,Thanks so much for your replies and input. To be clear: I understand that this is risky and, in fact, I am currently unwinding my positions to get out of margin debt.My question is...
View ArticlePersonal Consumer Issues • Re: Proactive HVAC Replacement or "getting...
We're in the middle of a replacement of a long-dead unit and the HVAC company has been pretty clear that all prices are going up soon. Our original quotes expired and some of the units had gone up...
View ArticlePersonal Investments • Re: Advice 457 plan Self Directed to Schwab Target 2045
The fee is $50 quarterly and I have around 30k over 5 yrs.Statistics: Posted by Mr.B0213x — Mon Dec 23, 2024 9:34 am
View ArticlePersonal Finance (Not Investing) • Re: Feeling Unable to FIRE and even Coast...
Out of curiosity what do you plan to do if you do Coast Fire or full time Fire?You're 38, which is young, your child will eventually be in school for 35 hours per week, what would you do to fill the...
View ArticlePersonal Consumer Issues • Re: gas stoves leak gas even when off?
As far as imperceptible unobservable leaks of tiny molecular amounts natural gas, that is not the issue because methane is non-toxic. However that is not to say natural gas is not without...
View ArticleInvesting - Theory, News & General • What about Warren Buffet?
Anyone else ever get just a little exasperated when you talk about index funds, only to hear "What about Warren Buffet?"Here is a great video about that:https://www.youtube.com/watch?v=32SnTUtdsOII...
View ArticlePersonal Finance (Not Investing) • Re: Seeing your financial situation in one...
I have an excel spreadsheet that i update monthly. I manually enter those values. I also use Bolden and a few other (paid) calculators and use my xls for manual entry into those paid...
View ArticlePersonal Consumer Issues • Re: Costco rotisserie chicken in new bag - still...
Only used one time and it was fine. We bought one for Christmas so hopefully it is good. I can say they seem to sell as good as before.Statistics: Posted by carolinaman — Tue Dec 24, 2024 9:39 am
View ArticlePersonal Investments • Re: Equifax Settlement: How to invest windfall?
Immediately bought an Amazon gift card to easily get the balance off their card and will apply it on my next purchase at Amazon.Statistics: Posted by stan1 — Tue Dec 24, 2024 9:40 am
View ArticlePersonal Investments • Re: $10M Windfall in 40s
You have an unrealistic goal. First, you should be thinking in real dollars. Then you should be considering your risk tolerance. The risk-free real return right now is about 2-2.5%. If you really need...
View ArticleInvesting - Theory, News & General • Re: 60/40 Balanced ETF
Testfolio back testing (VG Wellington, VG Balanced, AOR). AOR performance is subpar compared to the VG funds.https://testfol.io/?s=3DIMPSGDsQuWhat your backtest really shows is the recent...
View ArticlePersonal Investments • Re: How Do You Determine Your Portfolio Yield?
I just use the total dividend amount from the previous year for tax planning in the current year. It is close enough for me.I have no need for yield. I assume my yield is somewhere between 1.5-4.0%. I...
View ArticlePersonal Investments • Re: Target Date 2025 Vs. Vanguard Advisors Allocation
Don't use a total bond market fund if you do not want any long term bonds. Use an intermidate Treasury fund and the ST TIPS. With an IT Treasury fund you do not have long term bonds or the credit...
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