Personal Finance (Not Investing) • Slott: The Big Retirement Myth
Over the years watching Ed's Schtick, it has been difficult to take him seriously. I hope that he honestly wants to help people,but he tends to wave his hands and arms like he's selling carpets. He...
View ArticleInvesting - Theory, News & General • Bernstein article - Why Should You...
Some of us don't worry as much about this stuff as much as others though, that's for sure. Every time I read something about LMP kind of stuff I usually conclude "Man, those folks have so little risk...
View ArticleInvesting - Theory, News & General • TOTP Protected by Pin/Biometrics Now...
Out of curiosity, what happens if the hardware key dies? I was thinking of using the Authy app.The usual practice is to set up a primary hardware key, and a backup hardware key. Then store the backup...
View ArticlePersonal Investments • Dividend Income Advice Needed
A relative recently moved into senior assisted living facility. The following six dividend payers (KMI, UGI, Mo, ENB, O, and Vz) were suggested to provide the necessary annual income since she has...
View ArticlePersonal Consumer Issues • Struggling with the Hedonic Treadmill / Wealth...
Having looked extensively and narrowed it down a lot, I have a choice between — and this is my principal wealth effect expenditure, housing - two furnished medium term options in a scenic coastal area...
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Investing - Theory, News & General • Wiki - Prioritizing investments...
Internet access may be spotty for ~a week so silence won't necessarily mean assent....LadyGeek, I am thinking this edit has wrapped up. I think there is good support for the changes that have made it...
View ArticleInvesting - Theory, News & General • The New 60/40
40% in diversifiers: 10% intermediate term Treasuries (IEF), 10% in managed futures (CTA), 10% in a hedge fund tracker etf (HFND), and 10% in gold (GLD)I understand the treasuries but the rest is a...
View ArticlePersonal Consumer Issues • Fun Question: Finding Good Trust Fund Laywer
The best way of achieving anonymity regarding your financial situation is to keep your mouth shut and not be obvious in your spending. Don't have a new Rolls in your apartment parking spot.Statistics:...
View ArticlePersonal Finance (Not Investing) • Delaying paying taxes
That lines up with what I suspected. Thanks for the responses. I tend backload my withholdings at work, but I messed up this year and won't be able to catch up before the end of the year. I guess...
View ArticlePersonal Finance (Not Investing) • Denied comprehensive auto insurance claim...
We have a teeny, tiny Honda Fit for one of our college-age kids. That said child was backing out of a parking space and hit the bumper area of a large SUV. SUV got a teeny, tiny scratch. The damage to...
View ArticlePersonal Investments • Solo 401k Roth to Roth
Assuming these are elective deferrals and not voluntary after-tax contributions then you should not be able to do an in-service distribution of them unless you are 59.5 or it is a hardship withdrawal....
View ArticlePersonal Consumer Issues • Trailer Tire advice please.
I would suggest only considering two brands of trailer tires, Carlisle and Goodyear, based on their reputation for reliability and having fewer unexplained blowouts. Carlisle (may now be rebranded as...
View ArticlePersonal Investments • A positive Fidelity experience
That said, "properly identifying ownership" has become a hot potato with many financial places.I think the financial industry is reacting to the ever-expanding growth of data breaches and the...
View ArticlePersonal Investments • My 5.4% CD is getting called due to rate cuts
Interesting, I didn’t know a CD could be “called” like that. I’m sure I would know if I read the paperwork in detail ha ha. Doesn’t seem fair that they can call it without penalty does it?There are...
View ArticlePersonal Investments • IRA limits for ages 60 to 63
The current maximum IRA contribution (Traditional or Roth) is $7,000 if under 50 and $8,000 for 50 and over. It usually bumps up $500 when inflation has reached a threshhold.I've never heard of...
View ArticleNon-US Investing • Moving from VTI/VXUS to VWCE (UCITS) Ireland based ETF....
For tax reasons in my new country it would be optimal to sell my VTI/VXUS and buy something like VWCE, an Ireland based ETF that doesn't pay dividends. I'll also need to convert USD to EUR. I'm with...
View ArticlePersonal Consumer Issues • Indoor Plants
Be prepared to deal with gnats if you get the plants from a store. Patience and consistency with a gnat solutions usually solves the problem.Fungus gnats can be easily remedied with mosquito bits....
View ArticlePersonal Finance (Not Investing) • Help with understanding inheritance taxes
I was told by an estate attorney that Federal taxes wont apply because the estate is below the $13M limit, and in PA the people receiving the inheritance pay the taxes, not the estate. This...
View ArticleInvesting - Theory, News & General • Why "traditional" asset...
I'll answer your question with a question. What is your goal? To reduce portfolio volatility or to have the highest balance at the end of the game (hopefully)? Unhedged (all-stock) or hedged (67/33...
View ArticleInvesting - Theory, News & General • Is it better to withdraw monthly or...
We spend using credit cards and each month a week before paying those bills sell enough of whatever is more above target weightings to cover the payment. Sometimes we get a 'discounted bill', the...
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