Personal Consumer Issues • Home Generator - Worth It?
The article didn't say the west coast of Washington would disappear into the ocean.It says "everything west of Interstate 5 will be toast."Seismologists that study this fault laugh at that statement,...
View ArticlePersonal Investments • Self-directed 401(k) providers?
We started using Guideline this year, available through quick books. It's roughly $100 a month and I believe $10 per user per month. You can customize your investment options, and they have all the...
View ArticlePersonal Investments • Thoughts on bonds vs. cash
Yeah, "TBM is all you need. TBM is your risk control knob. TBM is for ballast". I drank that KoolAid and preached it too.Statistics: Posted by lakpr — Sat Dec 21, 2024 11:53 am — Replies 280 — Views...
View ArticlePersonal Consumer Issues • Flaunt Your High-Mileage Car
2002 Toyota Sienna 202k miles. This one is starting to become a big money pit despite being a Toyota. The catalytic converter doesn't work but it's exempt from smog. The evap system is busted. The...
View ArticlePersonal Finance (Not Investing) • Transfer on Death Deed
The same reasons that TOD designations are generally not a good idea for taxable accounts apply to real estate.Statistics: Posted by bsteiner — Sat Dec 21, 2024 11:58 am — Replies 2 — Views 136
View ArticlePersonal Finance (Not Investing) • Wthdrawal Strategy: Divide By 30, Then...
What if I said I misspoke and meant to say just divide by 30 every year? I was trying to get a handle on Amortization Based Withdrawal (ABW).What I've been doing is withdrawing just what I need and...
View ArticleInvesting - Theory, News & General • how should I invest in bonds?
I believe SWAGX and SWRSX are mutual funds. (This ought to be explicit somewhere. Get a prospectus.) As such they are bought and sold at NAV and there is no bid/ask spread to worry about. They have...
View ArticlePersonal Investments • How to optimize a single person - or LLC With Spouse...
Hello Bogleheads,DW started her single-person LLC for online tutoring and consulting. It has gained some traction and revenue has started to trickle in. I plan to join it next year and offer technical...
View ArticlePersonal Finance (Not Investing) • Victim of Bank Fraud and the Aftermath...
Did you really call 911 for this?Statistics: Posted by Nate79 — Sat Dec 21, 2024 12:06 pm — Replies 4 — Views 122
View ArticlePersonal Finance (Not Investing) • Zelle fraud lawsuit - anything users need...
I wonder how much money has been lost due to fraud where people used cash? The Government should sue the Treasury for printing and distributing cash without providing adequate safeguards.^^^This right...
View ArticlePersonal Finance (Not Investing) • Free things to enjoy in Kauai
We're going over to Kauai for a week, the weather looks great, and heard lots of state parks and trails to enjoy. We are staying in Princeville area, heard the Anini beach close by is good. Not...
View ArticlePersonal Consumer Issues • Appropriate Medicare choices for UHNW couple
While perhaps true, you need to recognize that many/most seniors are in ill health -- taking on average, 4+ prescriptions for chronic conditions -- so, on average, an HD plan won't net much savings.If...
View ArticlePersonal Investments • Hold mini bonds in taxable if I have enough 401k space...
I live in Oregon with a marginal tax rate of nearly 50%. If I have enough space in my 401k for my entire Bond allocation, does it still make sense to hold tax-exempt bonds in a taxable...
View ArticlePersonal Investments • Portfolio Review Request - Bringing to the top for...
HiI originally posted in November and I received several great replies. I needed to update the information in order to provide relevant data for people looking to help. I posted that data, but the...
View ArticlePersonal Finance (Not Investing) • Estate Income Tax Question
Most of the estate assets have been distributed. We held a little back in case the estate has to pay income tax. That's why we are trying to get this resolved...so we can distribute remaining assets...
View ArticlePersonal Investments • Multiple 529’s for same child to set desired asset...
Thank you aerosurfer and Tramper AI, you mention additional advantages I was not thinking about.Statistics: Posted by miningspace — Sun Dec 22, 2024 12:01 pm — Replies 8 — Views 338
View ArticlePersonal Investments • Streamlining investments --suggestions please?
OP, your extensive individual stock holdings are the equivalent some type of tilted stock index fund. Carefully research how much cap-gains your tax bracket can annually tolerate with your retirement...
View ArticlePersonal Finance (Not Investing) • Umbrella Insurance Policy
Data point: Until 3-4 years ago, you could get $2M in coverage in my state for about $180. Same this year is about $600. It's not as cheap as it used to be.Thank you for saying this. Every time a...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
I just deposited a check at Fidelity using their mobile App. The check was from a relative that also uses Fidelity, so the same bank. Fidelity is saying 4 weeks to withdraw the funds. I know they've...
View ArticlePersonal Consumer Issues • New TV: OLED vs QLED
Bought the LG C4 83 inches yesterday, for $3299. That's down from $4500 from a few months ago. Great TV, great price reduction, same price as its main competition (Samsung S90D which has also been...
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