Personal Finance (Not Investing) • How did you (or how would you) purchase...
This is an issue that I’ve been mulling recently, as we are considering a second home.My thought was to obtain a mortgage for the second home with as small a downpayment as feasible.In the case of...
View ArticlePersonal Investments • Vanguard Joint Brokerage Account Q
Update: I spoke to the Vanguard representative. They have to verify your state recognizes tenants by entirety and once confirmed, they will open your joint brokerage account and title it TBE. Went...
View ArticlePersonal Consumer Issues • 2025 Toyota Camry
If you are in the market for a car and want something reliable and economical - I wouldn't hesitate to get one.Redesign was minor I believe and has Camry ever suffered from major 1st year redesign...
View ArticleInvesting - Theory, News & General • Why are there not 0.03 ER MMFs?...
I'm suggesting money market funds are more expensive to run. You are now bringing up funds that aren't money market funds, which almost surely have low customer turnover (you should look at annual...
View ArticlePersonal Finance (Not Investing) • Perspective on Upgrading 2019 tesla model 3
I recent got a '24 M3, it didn't so much replace my '19 as it added to it since we needed a 3rd car for my daughter (it became hers). If it weren't for the needed 3rd car (and it being better...
View ArticlePersonal Investments • Bonds, again
Thank you for the replies. It will take several years but I plan to hold the fund till it recovers. Then ask for help in picking the right fund. In about two years I'll have to take RMD. Thanks,...
View ArticlePersonal Investments • Any compelling reason to consolidate 401(k)s?
Many reasons to transfer. I did and regretted it after my employers plan started charging sizeable fees. I transferred out of Fidelity but do my banking and have my Roths with them. If you have other...
View ArticlePersonal Investments • Fiduciary advisors vs not - how important do you think...
I hear the term “fiduciary” used a lot, very loosely, in a lot of different contexts. And by some salespeople who seem to use it to convince me that they have my best interests. Like an Edward Jones...
View ArticlePersonal Consumer Issues • Fidelity Credit Card for Best All Around Card?
I am still a big fan of the Fidleity 2% card.No annual fees, no hoops to jump thru to get it, good customer service in my experience, etc.I had the citi 2% card - had major problems with it and...
View ArticlePersonal Investments • at Fidelity - CMA or Brokerage?
I use CMA for direct deposit, bill-pay, check writing, ATM, etc. It has limited amount for safety concern. I use brokerage to trade MF and ETF. It has more amount.What is the benefit to separate...
View ArticleInvesting - Theory, News & General • Tracking Dividends/Interest with...
You can see dividends via the Fidelity website (don’t know if there’s a similar view in the app). After logging in, navigate to Portfolio>Positions>Divdend view and Fidelity will show you...
View ArticlePersonal Finance (Not Investing) • Parent expressed desire for me to manage...
Hi,One of my parents has her money managed by a financial advisor (when they started a relationship with a financial advisor, I was a child. now I am in my 30's). They acknowledge that the fees are...
View ArticlePersonal Finance (Not Investing) • Revised FAFSA - 529 Loophole?
Parent assets don't have that huge an impact and the CSS counts all 529s anyway.Statistics: Posted by avalpert1 — Sat Aug 31, 2024 8:03 pm — Replies 6 — Views 692
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Just got a heads-up from a bud about WeBull 3x IRA referral bonus from last Nov-Dec 2023 (1-year hold):For any folks who may have participated in this WeBull bonus from last-year, was told the Rewards...
View ArticlePersonal Consumer Issues • Backpacking: National Parks vs Wildernesses
Am I just a cranky (middle aged) man - CMAM? Or do others share my experience?eaNot at all. I love national parks. They are in their specific area for a reason. I love hiking and backpacking in them...
View ArticlePersonal Investments • Anyone Glad they took Social Security Early?
My brother took it early, at 64, when his health went south, the original plan was 66. He passed away a year or so later.Statistics: Posted by Padlin — Sat Aug 31, 2024 8:11 pm — Replies 103 — Views...
View ArticleInvesting - Theory, News & General • Can you train yourself to be less...
Arr? How is suggesting that it's possible to retire with a lower target number ($3.2 million is a high number) telling people to make more money?$3.2M supports $128k retirement for 30 years, hardly a...
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Personal Finance (Not Investing) • Another should I upgrade my house question
1. Bigger home will improve quality of life for everyone - specifically kids, easier to host play dates etc vs This is clearly a want and not a need - don't tradeoff a high likelihood fatFIRE by age...
View ArticlePersonal Finance (Not Investing) • Do CCRCs run credit checks?
My mom entered a CCRC in 2008. While they didn't run a credit check, they did require me to produce her previous year tax return. They felt this would show her income and prove she could pay the...
View ArticlePersonal Investments • Any consequences for changing funds in an old 403b...
I think it might depend on the custodian and whether the investments are locked-in variable annuities or not. Normally, there should be no consequences, but one can be surprised by some restrictions...
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