Personal Investments • Tax loss harvesting VWALX
The point of tax loss harvesting is to take your loss without changing your investments. If you sell this muni fund and buy a different muni fund, and the muni market recovers, your new fund will have...
View ArticlePersonal Consumer Issues • Traveling to Greece and Turkey: What IOS apps...
Airline app.Statistics: Posted by orange96 — Fri Oct 02, 2026 9:54 pm — Replies 4 — Views 96
View ArticlePersonal Consumer Issues • Did you drop AAA?
I keep AAA road service even though I don't think it is cost effective. A dead battery issue or a tow charge would be an incidental expense (even if large) I wouldn't lose sleep over. I keep it...
View ArticleInvesting - Theory, News & General • Treasury Direct [and other...
This morning was my first time logging in since the changeover. I already had an ID.me account so that wasn't an issue for me. I liked it better than the previous log in, and a lot better than the...
View ArticlePersonal Investments • Impending Employee Stock Distribution
Question 1: How do I liquidate this once the shares are in my account?* I read about options. No way I am trying that myself. Seems like a classic example of making it more complicated than...
View ArticlePersonal Finance (Not Investing) • Pesky details of late year Roth...
To add facts, I am not RMD age. I do take RMDs from an inherited IRA though - not sure if that counts, I don’t think it does.I was planning to do an in kind transfer - 401k to IRA in kind, then IRA to...
View ArticlePersonal Finance (Not Investing) • How much should we increase spending?
If there is something you want, or need to do. Just do itStatistics: Posted by dknightd — Fri Oct 02, 2026 9:33 pm — Replies 87 — Views 6168
View ArticlePersonal Investments • Roth IRA Investments
Is the next step to increase my 401k contributionsyes.some people think that once they get the full employer match in their 401k that's all they can do. That's not the maximum; it's just the maximum...
View ArticlePersonal Consumer Issues • Back up passwords to financial sites
I like to use this site for my random words. https://diceware.rempe.us/#dicewareDoes this start to cross the line into hassle factor / too overly concerned? If my.1password.com requires your email +...
View ArticlePersonal Finance (Not Investing) • At what point does PPLI [Private Placement...
If you die shortly after setting this up, how much money does your family get and where does it come from?From my understanding the insured contributes to the policy and has no say or control over the...
View ArticlePersonal Consumer Issues • Passkeys for Login On Vanguard [not working]
As I understand it, you cannot fully turn off SMS 2FA after setting up a passkey under the new system. You can check a preference box that suppresses the prompt for 2FA on devices Vanguard recognizes...
View ArticlePersonal Consumer Issues • Tesla Model Y
Now ready for first car wash. I know there’s car wash mode and I will use it. Gemini 3 tells me I should use a touchless car wash. Thoughts on cleaning?I would never bring a brand new car to any car...
View ArticlePersonal Investments • Authorized account access at TIAA?
Fidelity, Vanguard, and Schwab have a process for a spouse or family member to get online access to accounts, through power-of-attorney.TIAA has a form called "AUTHORIZATION TO ACCESS TIAA ACCOUNTS"...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
East of Eden by John Steinbeck. I was inspired by the trailer for the new Netflix series. It’s so well written, engaging, and easy to read. I highly recommend it. After I’m finished with the book, I’m...
View ArticlePersonal Finance (Not Investing) • Can a person relax if they see the...
A person (other than yourself) can relax when they feel they are okay. What it takes to get there varies a lot. Even if expenses are 0.005% of what the portfolio is returning (let alone the actual...
View ArticleInvesting - Theory, News & General • translate buffers and caps
OP, Buffer ETFs buy options to limit downside losses and sell options to pay for them thus capping gains. The option spread between the two determines the cap and buffer (e.g. a 100% buffer has a...
View ArticlePersonal Investments • Bond funds have jumped the shark
For those that are keeping money in a short fund, like a MM, at what rate do you determine is too low and then start reaching for higher returns? Prior to 2022, MM were paying close to 0%. It would be...
View ArticleInvesting - Theory, News & General • Exponential Wealth - Ibbotson et al
On page 179 (Chapter 10), does anyone understand the following sentence: "In a two-century view, the presence of sustained deflation emerges as a condition required for an excess return on equities...
View ArticlePersonal Finance (Not Investing) • 2027 WellCare Value Script early look
Last year Humana was the best deal for me at $8.40 a month in Massachusetts. Looks like it is going up to $26.10. I see Wellcare is $13.30 a month but I don't feel like going thru the prior...
View ArticlePersonal Finance (Not Investing) • 2027 medicare part D prescription plans
This thread has run its course and is locked (topic exhausted due to lack of ability by the OP to take actions and medical advice on the use of generics). Medical advice posts were removed. Thank you...
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