Investing - Theory, News & General • I ignore EVERYTHING except AA. Am I...
perhaps BHs might find it useful to consider the content of the BH wiki, and indeed all cognitive and behavioral claims, to a little self reflection and analysis...they might find out that...
View ArticleInvesting - Theory, News & General • Rebalancing vs. DCA
Dear Group,Since I've been asking this question myself, I've conducted two hypothetical portfolio (PF) scenarios.Portfolio I:a) Two ETFS, SCHG (US Large-Cap Growth) and VBR (US Small-Cap Value).b)...
View ArticleInvesting - Theory, News & General • Is there a sweet spot for Roth...
I punted on optimizing Roth conversions after too many hours of discussion and analysis without tangible benefits.We have current tIRA of ~3.2M.I see very low risk in converting up to a total income...
View ArticlePersonal Consumer Issues • Creative ways to make an extra $300 a month?
User testing usually comes out to around 50 dollars an hour for the actual work and I actually kind of enjoy it. Basically, they provide you a prototype of a website or app and then get your feedback...
View ArticlePersonal Finance (Not Investing) • "Break-even" on mortgage points:...
Buying down points is a sucker's bet. The no prepayment penalty provision on most mortgages presents free arbitrage opportunities if you're willing to play the game.I currently have a 2.5% rate on an...
View ArticlePersonal Investments • Retiree close to RMD Help with Portfolio and advice
What you sell depends at least partly on what you are going to do with the money. If you are going to spend it, just sell from the side (stock or bond) of your portfolio that you have too much of. Or...
View ArticlePersonal Investments • Roth vs Traditional optimization strategy.
welcome to the group.Roth IRA max is good, but do Traditional 401k, not Roth 401k. Klangfool may come along and say something like until you have millions in your 401k you should do Traditional 401k,...
View ArticlePersonal Consumer Issues • What value have you derived from "identity...
First and foremost, I would never pay for one.I have something through a credit card from Norton, not Lifelock, but Identity Lock or something like that. I did not put a lot of information in, but it...
View ArticlePersonal Consumer Issues • Maverick-like vehicles for $45,000 with great audio?
I am poking around with the Toyota builder, I have until Tuesday to change my mind :happyedit: spec'd out as I'd like the Toyota comes to $36.5k, I'll see if my local Toyota dealer has something I can...
View ArticlePersonal Consumer Issues • Hit a deer. Repair vs trade in car?
I live in a deer metropolis and have hit MANY over the years (at least one every two to three years) and it has never affected my rates. I keep a zero deductible on comprehensive because of how...
View ArticlePersonal Finance (Not Investing) • Why are so many people choosing LTCI
Firstly, most of these policies are capped at close to $1M and all of these people easily have $1M to spare. So wouldn't the more appealing policy have effectively something like a $1M deductible...
View ArticleInvesting - Theory, News & General • Is Primecap open to new investors?
VPMAX and VPMCX are both available at Fidelity for a $75 purchase fee. No fee to sell.This is odd:VPMAX Fidelity minimum purchase $2500 (minimum is $50000 at Vanguard)VPMCX Fidelity minimum purchase...
View ArticlePersonal Finance (Not Investing) • Defining Eligible Income for Solo 401k
When I am calculating my contribution to my solo 401k can I include this W2 income? Negative.Statistics: Posted by runner3081 — Sun Aug 04, 2024 2:27 pm — Replies 1 — Views 47
View ArticlePersonal Consumer Issues • Intel Core i7 vs i5
In December 2022 I bought various components to have my dream computer custom built by someone.I paid $420 for this 13th generation Intel i7.https://www.cpubenchmark.net/cpu.php?cp ... 0K&id=5060I...
View ArticlePersonal Finance (Not Investing) • 529 Max Contribution Limit
Thanks a lot for the clarification. If I keep the money in our Georgia state 529 plan, when it reaches the state max contribution limit of $235K, could I still open a new 529 plan and make...
View ArticlePersonal Consumer Issues • Vanguard, Schwab, Fidelity websites down this...
I went to Vanguard's Message Center to complain about the situation with their website this morning. There appears to be no way to contact Vanguard at their Message Center.Nice timing!Statistics:...
View ArticlePersonal Consumer Issues • Recommendations for cheap beater truck
Find a 1999-2004 F150, V8. One of the most dependable trucks ever.Are there any Ford-specific problem areas to watch out for? Any opinions on *which* V8?I would get the 4.6. The 5.4 is a real gas...
View ArticleClik here to view.
Personal Investments • Is this normal? 529 “age based track” off-track
The rebalancing typically occurs quarterly or bi-annually and not on the date when age changesThank you! This is helpful. I still wish I had rebalanced last month Who is the 529 provider?Statistics:...
View ArticlePersonal Investments • Separating pre-tax and post-tax contributions in...
5. Anything else I'm not considering?Just that there have been thousands of previous posts explaining that many of us have done this.Apologies for wasting your time.Statistics: Posted by heylookltsme...
View ArticlePersonal Investments • Roast my VUL vs Taxable Brokerage Comparison
One problem with your calculations is that stock returns are lumpy. To get to a long-term average of 8%, one has many years with lower or higher returns. I do not know about this particular policy,...
View Article