Personal Investments • Finally fired my Financial adviser.
It could have been worse- at least I was I could afford to retire, having been a big cheapskate all of my life. Plus I still have my legs and I really like hiking and biking! Here is the ETFS I have...
View ArticleInvesting - Theory, News & General • Concentration Risk in the S&P500
That the concentration risk of individual stocks in the tech sector is at the described level amplifies the concentration risk of the large allocation to tech in the S&P500, so I will stand by the...
View ArticlePersonal Consumer Issues • TiVo vs Xfinity set top boxes
... I believe my Xfinity bill that Xfinity is discontinuing cable cards starting in October. In fact, per some online discussion, you can't get a replacement cable card as they no longer have them....
View ArticlePersonal Investments • 10 Year Plan
The portfolio contributions would be $6MM by Jan 1 of 2030, plus whatever value it gains ... or loses ... during that time. At the end of this 5 years, contributions would be $4.5MM plus whatever...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
...However, the one thing that banks could do a lot better on is verifying who their Zelle customers are. You shouldn't be able to open a bank account, set up Zelle and them immediately receive a...
View ArticlePersonal Finance (Not Investing) • Umbrella insurance and revocable trust
on a related matter, i understand that most umbrella carriers now will not write umbrellas only on your HO, or only on your auto. they require that the umbrella be on top of both those...
View ArticlePersonal Finance (Not Investing) • Using HSA funds "immediately"
If you are going to use the funds "immediately", you may want to verify that your out-of-pocket medical costs are "best" covered by a HDHP & HSA, or if they'd be lower if on a non-HDHP plan. (As...
View ArticlePersonal Finance (Not Investing) • Savings Account, Money Market, &...
i suggest that you will get a more useful answer if you calculate the after tax return on these instruments; the idea is that income from treasuries are exempt from state income tax, while income from...
View ArticlePersonal Investments • TIAA Funds
I use TIAA Traditional for almost all my fixed income. In the long run, I think the return will be slightly below TBM but it smooth out the curve.Statistics: Posted by student — Tue Oct 01, 2024 9:56...
View ArticlePersonal Investments • Optimal way to reallocate large account to 3 fund...
It's not super over-weight in any individual stocks (2 at 12%, the rest are under 10% of the portfolio), but I don't want to have to pay attention to the individual securities and worry about the...
View ArticlePersonal Investments • Which tool do you use to measure your asset allocation?
Current AA and drift from a target is calculated in my personal spreadsheet on GDocs. However I don't rebalance as its something like 95 ITOT / 3 BND / 2 cash. I will start building the short term...
View ArticlePersonal Investments • Rebalancing Portfolio Help
After some help here, I have a rearranged ask:Emergency funds: 3 months Debt: Mortgage $125.5k 3.875%Tax Filing Status: Head of household (divorced)Tax Rate: 24% FederalState of Residence: TXAge:...
View ArticlePersonal Consumer Issues • Neighbors Visiting Open Houses
Photos, no matter what quantity or quality, are no substitute for an open house where you can get inside and really look the place over.Statistics: Posted by rogue_economist — Tue Oct 01, 2024 10:03...
View ArticleInvesting - Theory, News & General • The One-Fund Portfolio as a default...
Using tax-efficient asset location usually means keeping mostly (or all) stock in the taxable account. Wouldn't switching to an "equal location" (mirrored allocation) setup or a single fund would mean...
View ArticlePersonal Investments • Exchange to vanguard institutional shares
Do not exchange from one fund to the other. That is a sale and a purchase.I would call Vanguard and ask if they can upgrade to the better share class without a taxable sale.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Morningstar redefines growth/value...
So now if you look at the historical style, it says in 2023, it was large growth and now it's large blend. How is that helpful with no context that it shifted because they changed the benchmark??It's...
View ArticlePersonal Consumer Issues • CA Sent me Tax Bill on House Sold 2 Years ago!
I’d ask the county tax assessor to cite the laws and rules that support this issue. Do you still live in California? If not, tell them to go pound sand.RTC § 11318 allows escape assessments going back...
View ArticlePersonal Finance (Not Investing) • Companies that have a pension and 401k?
DeloitteStatistics: Posted by bubbly — Tue Oct 01, 2024 10:12 pm — Replies 70 — Views 5862
View ArticlePersonal Consumer Issues • When and how much house exterior to repaint
Have you thought of vinyl siding?I bought my house in 1982 for $30,000.I wait until things really need to get done. Had my house painted in 1988 for $2,000, about two years later than when it should...
View ArticlePersonal Investments • Need help with Roth conversion
This is usually the point in the thread where we get the "oh and we'll have $200k/yr in COLA'd pension income; does that matter?"Statistics: Posted by tibbitts — Tue Oct 01, 2024 10:14 pm — Replies 11...
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