Personal Finance (Not Investing) • To What Extent Do You Subsidize Adult...
I have one child. He is 27, graduated from college, lives at home, and works part-time as a tutor to local high school students -- not enough income to support himself. He wants to pursue a more...
View ArticlePersonal Consumer Issues • Help with leisure car budget
Lightly used Toyota Corolla for this purpose.I genuinely thought this was a joke.Statistics: Posted by London — Sun Apr 21, 2024 7:07 am — Replies 9 — Views 504
View ArticlePersonal Finance (Not Investing) • The cost of not using credit cards with...
If the merchants feel that that they will end up with x% profit margin, why go through the song and dance?Because profit margin is the goal, profit is and you aren't accounting for quantity - when...
View ArticlePersonal Investments • ESPP advice
Does this plan make sense and what am I not seeing or factoring in. Thank you.Wash sales. If you sell at a loss within 30 days (before or after) the ESPP purchase date, the loss is disallowed and...
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Personal Investments • Die with Zero - opinions?
This is not a “Go light your money on fire” type of philosophy. Clearly—especially in times like we’ve been through recently—it’s important to have a safety net. The “die with zero” philosophy does...
View ArticlePersonal Finance (Not Investing) • Death Book and Safe Deposit Box
...The rep asked me if I have a safe deposit box, which I do not. He said that it would be important to include that in my Death Book -- the fact that I do not have a safe deposit box. ...Are there...
View ArticlePersonal Finance (Not Investing) • New Mortgage - Pay Extra or Invest
Your mortgage is large enough that any paydown is deductible. Thus the return on a paydown is 4.51% if your state doesn't allow a mortgage deduction against state tax, and 4.18% if it does. This is a...
View ArticlePersonal Investments • Is it a good time to put money to 529 plan? Anyone...
With three years, I would personally be very conservative. And look carefully at the so-called "conversative" options - if they are heavily in bond funds, you still run a non-insignificant risk of...
View ArticlePersonal Consumer Issues • Travel insurance: why ever buy a stand alone...
Read the fine print. Our biggest risk right now is death or illness of a parent - upon reading the definitions of "family member' for the insurance provided by our platinum amex - it does not include...
View ArticlePersonal Consumer Issues • Which Kindle?
Only one strong selection tip. Get an e-Ink Kindle. Not a general-purpose Android tablet (I lived with that as an e-Reader for a couple of years). And DEFINITELY not a Kindle Fire (color screen with...
View ArticlePersonal Consumer Issues • Ideas for short summer trips
Coastal Delaware sucks. Don’t go there.Statistics: Posted by Wanderingwheelz — Mon Apr 22, 2024 7:20 am — Replies 11 — Views 934
View ArticlePersonal Investments • Newbie Portfolio Question
I am trying to select Specific ID as my cost basis for the brokerage account so I can sell my Tot Bond Funds and buy more SP500 funds in that account.I am receiving the following message:Specific...
View ArticlePersonal Consumer Issues • Good Quality Leather Slide Belt
https://slidebelts.com/collections/new- ... in-leatherFolks,Slide belts on sale today only for Earth Day at 44% off for selected belts. So, I bought two.KlangFoolStatistics: Posted by KlangFool — Mon...
View ArticlePersonal Consumer Issues • Any tile experts? Discolored Cleaning Porcelain Tile
https://www.johnbridge.com/vbulletin/+1, ask the pros.Statistics: Posted by bob60014 — Mon Apr 22, 2024 7:21 am — Replies 4 — Views 317
View ArticlePersonal Finance (Not Investing) • Purchasing, financing or leasing an EV......
https://www.youtube.com/watch?v=C7fh7Usd4v4Ok. Perhaps the news I got was wrong. Above is where it came from.Wow...I mean, just wow. If red flags weren't going off for that as a reliable source of...
View ArticleInvesting - Theory, News & General • Sales Charge - Good Rate or Bad?
are you saying they charge you 2% of the value of every purchase? If so, zero should be your goal and easily achieved.Statistics: Posted by jebmke — Mon Apr 22, 2024 7:23 am — Replies 1 — Views 36
View ArticlePersonal Finance (Not Investing) • What was your effective tax rate in 2023?
Our effective federal tax rate for 2023 was around 20%. Thanks to a large collection of qualified dividends and some ltcg s.Statistics: Posted by bltn — Mon Apr 22, 2024 7:27 am — Replies 99 — Views...
View ArticlePersonal Investments • Risks of Grandparent 529?
???? We are grandparents and we have contributed to the grandkids' 529 plans. The plans belong to the grandkids, and were set up by the kids' parents, who also put money into them. Our only...
View ArticlePersonal Investments • 401k transfer to SDA
Yes, you are a little bit "all over the place". But there is no rush because you have some time.In addition, can we keep the Trad/Roth as is, or do we have to pay penalties when we rollover.You can...
View ArticlePersonal Investments • Portfolio Review - New investor looking for a sanity...
Welcome to the forum!!I would not overly complicate your investing by selling the 80/20 life strategy fund to get to 70/30- one fund is working for you - keep after it. Go with the life strategy fund...
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