Investing - Theory, News & General • ETF with large unrealized gains -...
What makes you think that the "competitive ETF" (whatever that means) will perform at the same level as the ETF that you originally bought?They both track very similar indexes (not exact though)And...
View ArticlePersonal Investments • Help with bond choices. Total Bond or American Funds...
I am 25-30 years out from retirement. Our AA calls for 10% bonds at this point. We are in the 37% fed tax bracket. I am trying to avoid bonds in taxable, so 401k is my other option. Why are you trying...
View ArticlePersonal Finance (Not Investing) • (Military) Should I purchase Survivor...
I opted in, no regrets, even though similar to the OP we likely don’t “need” it. Very few people here would walk away from a COLA’d federally backed pension, for good reason. I view it as the ultimate...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
I wouldn't call it nonsense. The issue is so prevalent that Fidelity itself has had to officially address a few weeks back (albeit by saying a whole lot of nothing). Just peruse some of the account...
View ArticlePersonal Finance (Not Investing) • Crazy health insurance situation --caution...
I don't understand how this happened either.We have two college age kids that are on our marketplace plan, husband on Medicare. Neither one will be in school full-time next year, so they will not be...
View ArticlePersonal Finance (Not Investing) • HSA payroll deductions: what if you will...
See Payroll - cafeteria plan deductions on the wiki.If you are below the SS earnings limit, you save 7.65% by using payroll deduction. However, this is not entirely a benefit, as contributing less to...
View ArticlePersonal Consumer Issues • EV / Hybrid basics?
For the original poster's questions, also consider the used market, especially for full EV's. Amazing the deals you can get out there right now.As far as calculating your usage, our Taycan is probably...
View ArticleInvesting - Theory, News & General • TOTP Protected by Pin/Biometrics Now...
Why is this better than Symantec VIP? I have the Symantec hardware token and I can use it for both Fidelity and Schwab. The token is kept in a file cabinet beside my computer.It's really a matter of...
View ArticlePersonal Consumer Issues • What Car Should I Buy If Money Were No Object?
Lamborghini CountachHorrible retiree car to get in and out of.That reminds me of the movie "LA Story" in the opening credits at time 2:14 into the beginning, but it was Ferrari:...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Setting aside Tesla and Nvidia, and maybe not even those, the valuation of the "Magnificent 7" is nowhere near what the Tech-Media-Telecoms sector reached at its heights in 2000. Or at least not the...
View ArticlePersonal Consumer Issues • Buying blinds for dealer with personalized in-home...
I brought shades after having new windows were installed. The old blinds didn't fit anymore because the new windows were thicker than the old ones. For me it was easy. I just contacted a company that...
View ArticlePersonal Finance (Not Investing) • If you hit $3M by your 40s, what did you...
I have seen in some threads that $3M is the new new $1 million these days with inflation etc.If you hit $3M by your 40s, what did you do after achieving the milestoneWe never had a particular number...
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
I wouldn't recommend keeping a cash bucket and consuming from that to get through a bear market. Cash buckets can lead to haphazard asset allocation, not to mention a lot of confusion and arbitrary...
View ArticlePersonal Finance (Not Investing) • Heating and cooling system—may need to...
We put in a new gas furnace (Bryant 986TC) & heat pump (Bryant 284ANV, variable speed) last year. The house is single level 2300^2 ft.It switches to heat pump for heating above 45F outside and...
View ArticlePersonal Investments • 403b choice --- one fund/three fund/brokerage link
I know the contribution now will make almost zero differenceAre you able to fully contribute to the max ($23,000)? Can you make Roth contributions? (Can you perform in-plan Roth conversions?)This...
View ArticlePersonal Finance (Not Investing) • Where to find free tax help?
I have a friend of my daughter who is currently unemployed and homeless (long story but not the point). This person had some part time income in 2023 ( they do have w2) but has not filed a tax return...
View ArticleInvesting - Theory, News & General • Can you train yourself to be less...
I am curious, are there ways to make yourself less risk averse to volatility risk? Yes, easy. Take other kinds of risks. I mean, non-financial. Take up a fun and enjoyable hobby where your physical...
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Personal Finance (Not Investing) • Mortgage Payment Grace Period
Does anyone pay their mortgage after the initial "due date", but before the end of the grace period, on a monthly basis?My mortgage specifies when things are due, and they didn't put quotes around it...
View ArticleNon-US Investing • Non-US Investing of USD Mutual Funds
Hi - Looking for advice on parking an emergency fund (liquid, safe assets) in USD based money market funds.Being based outside the US restricts the list of MMFs of which to purchase on Interactive...
View ArticleInvesting - Theory, News & General • Changing asset allocation
My reason is pretty simple. US valuations are significantly higher than average and one would expect a reversion to mean in due course.This is, absolutely, market timing.Statistics: Posted by BirdFood...
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