Personal Finance (Not Investing) • Accounting software: any non-subscription...
I have used Xero for one of my small businesses accounting software, but it's had endless issues with syncing in the last 6 months. First, my regional bank stopped automatically syncing. I switched to...
View ArticleInvesting - Theory, News & General • ESG investors: how to start,...
Isn't any ESG fund by definition "active?" Someone has to grade the company on ESG metrics which are arbitrarily selected.Yes it’s very active by definition.I wouldn't consider it active at all. In my...
View ArticlePersonal Investments • Financial Planner in Retirement
So let's do some math. Say your dad has $2,999,999.The first million at 1% costs him $10,000 a year.The second million at 0.8% costs him $8,000 a year.The third million at 0.6% costs him $6000 a...
View ArticlePersonal Consumer Issues • A Day and a Half in Iceland
Iceland has roughly 150 campgrounds scattered around the island (including all their "major" cities and national parks).Wait - Iceland has major cities? I just thought that they had a single mid-sized...
View ArticlePersonal Investments • 401K and overall portfolio advice.
You are right, but if we factor in the salary increases and promotions (in 10 years the original poster might be in a different position), it's doable. Even if it's not, almost $800K is a hell of a...
View ArticlePersonal Investments • What would do you with $1.3M in gains on NVDA...
Mr. Market helped you a bit today with your Capital gains “problem.” NVDA is down 5%.Sure did.........not the help I am looking for but a good reminder that valuations can drop quicklyStatistics:...
View ArticlePersonal Finance (Not Investing) • A Roth Conversion Example
One rudimentary check that can be done is to look at the marginal tax rates (including all tax impacts, such as IRMAA, SS taxation, Loss of ACA credits, etc) across the entire time horizon. In most...
View ArticlePersonal Finance (Not Investing) • FSAFEDS Insolvency?
I too am missing a DCFSA payment and confirmed via chat that payments are paused effective 6/16 for all accounts and they cannot stop the payment notifications.The chat rep said that this pause was...
View ArticleClik here to view.
Investing - Theory, News & General • Variable Percentage Withdrawal (VPW)
If I understand correctly, the core of VPW is a PMT calculation that uses these three main inputs: (1) current portfolio size, (2) remaining withdrawals (based on life expectancy 100), and (3) an...
View ArticlePersonal Consumer Issues • SubZero/Wolf/Cove Appliance Pricing
Forget about the Cove (source, I have one, and is the source of all my life's problems).Statistics: Posted by Jayhawk11 — Wed Jun 26, 2024 8:27 am — Replies 29 — Views 2374
View ArticlePersonal Investments • Asset Allocation - Do You Include Cash?
OP, age matters. We're 70 and 67. We include cash in "fixed income" assets, but I can break it down for you below:65.00%STOCK19.00%FIXED16.00%CASHSo, our target AA is 65/35 if I combine CASH with...
View ArticlePersonal Consumer Issues • Toyota 10,000 mile oil change interval
As you can see this question opens a can of worms even on a financial forum. You should see the explosion of opinions on automotive forums. Even people who are very knowledgeable argue about this....
View ArticlePersonal Investments • Was too conservative at 50/50. How to transition back...
https://investor.vanguard.com/investor- ... allocationOP,The average annual return for 50/50 is 8.1%The average annual return for 80/20 is 9.5%The difference is only 1.4% per year. Why do you think...
View ArticlePersonal Consumer Issues • Best AI for emails?
I have tried a few. The built in AI in Gmail and Outlook is fine for simple things like spellcheck and word suggestions. I like Perplexity best for drafting of emails, letters, essays, and speeches. I...
View ArticlePersonal Finance (Not Investing) • home appraisal contingency
While an appraisal contingency and a mortgage contingency are similar, they're not the same.If I'm the seller, and the contract price is $500,000, I might be willing to agree to a mortgage contingency...
View ArticlePersonal Finance (Not Investing) • Capital gains tax after selling a home
Escrow contract or closing statement has the breakdown of moneys including- sale price - prorations (county prop tax)- payoffs (seller’s mortgage and loans)- commissions (agents fees)- title charges-...
View ArticlePersonal Consumer Issues • Cheapest data card for a tablet
The cheapest option is probably a cell phone plan that supports hotspot, if usages is really intermittent. Otherwise you need a low-usage data SIM but then the monthly minimums usually eat you...
View ArticlePersonal Investments • Help on Self-management of Accounts
With the 300k in cash, you have a good start already on conservative allocation.With the remainder, I would do a 70-30 equity/non-equity (you will still be around 50% of total $$ in stock which is...
View ArticlePersonal Consumer Issues • Considering solo trip to New Zealand
Thanks for all the suggestions, folks. You’ve given me some good starting points. I’ll let you know what develops!Statistics: Posted by fposte — Wed Jun 26, 2024 8:37 am — Replies 8 — Views 672
View ArticlePersonal Investments • Would like to buy a $80,000 SUV
Hey there, I completely understand the struggle! Even if we have the money, parting with it for a bigger purchase can be a mental hurdle. It's totally normal to feel that way. Think about it this way,...
View Article