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Personal Investments • Just invested at all time market high
We started investing in 1986. Since that time, the S&P500 Index has reached a total of 143 all-time-highs (as of yesterday, September 30, 2024).Invest for the long term, whenever you have money to...
View ArticlePersonal Consumer Issues • Prepping Kit for a Disaster
I'm not much of a prepper but after hearing stories from Hurricane Helene, I'm thinking having some emergency necessities on hand could be worthwhile. First simple step is that I hardly ever keep cash...
View ArticlePersonal Investments • Breaking up with my financial advisor pep talk
So I'm gearing up to end things with my financial advisor. I'm really bad at this stuff, I get too emotional and sensitive about hurting his feelings and all that stuff. I know, it's ridiculous. But,...
View ArticlePersonal Consumer Issues • Looking to move to NC
Winston-Salem keeps popping up as a nice place to live. Are there any gems or recommendations that you can make for cities/towns that we should look at?Thank You!It's off the subject a little...One...
View ArticlePersonal Investments • Bond Choice
I would only put the kind of bonds funds I mentioned - something jazzier than a total U.S. bond index - in a Roth.I just discovered that what I really need in life is a jazz tilt in my fixed income...
View ArticlePersonal Finance (Not Investing) • Mortgage Payment Grace Period
OP, what you described is how ThirdFederal works for mortgage payments. For me, the main advantage is that my mortgage is set to autopay and a portion of a paycheck is deposited into the ThirdFederal...
View ArticlePersonal Consumer Issues • new portable generator vs the one in the van
I would first determine what the wattage of the concentrator is. Start by looking at the label on the device to see if the wattage is listed. If so, it's probably the max wattage and the device might...
View ArticlePersonal Finance (Not Investing) • 2025 FEHB and PSHB Rates Posted
UHC has interesting language on that issue. "Flexibility to see any provider—in-network or out-of-network—at the same cost share, as long as they accept Medicare and are willing to bill...
View ArticlePersonal Finance (Not Investing) • Companies that have a pension and 401k?
The State of Utah for state employees offers both a pension and a 401k. My brother-in-law is an IT analyst with the State of Utah and he makes $210k per year, including benefits, according to the...
View ArticleInvesting - Theory, News & General • The One-Fund Portfolio as a default...
Using tax-efficient asset location usually means keeping mostly (or all) stock in the taxable account. Wouldn't switching to an "equal location" (mirrored allocation) setup or a single fund would mean...
View ArticleInvesting - Theory, News & General • Morningstar redefines growth/value...
So now if you look at the historical style, it says in 2023, it was large growth and now it's large blend. How is that helpful with no context that it shifted because they changed the...
View ArticlePersonal Finance (Not Investing) • Shift from tax-deferred to taxable to...
You might read through this:https://www.madfientist.com/how-to-acce ... nds-early/I would keep doing the tax deferrals regardless as there are ways to get your money.Is there no 10% penalty converting...
View ArticlePersonal Investments • TIAA Funds
Is there a reason tho hold TIAA traditional during accumulation, it looks just like a stable value fund that seems a been inappropriate before retirement.When you go to annuitize it at retirement, you...
View ArticlePersonal Consumer Issues • Southwest airlines (2024) Get Away Plus fare rules
Southwest has all the rules and procedures: https://www.southwest.com/airfare-types ... away-plus/I had read that, but for example:For same-day changes, on your day of travel, if there's an open seat...
View ArticlePersonal Investments • Questions on Mega Backdoor Roth
I suspect #1 is the best strategy to reduce tax consequences of the built up after-tax contributions but would love any input from this group. I suppose the advantage of #2 is creating a 'cleaner' tax...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
I tried calling Fidelity today about some funds left in a closed account. I have premium services or whatever the higher tier is. I was on hold for 20 minutes before I hung up because no one answered....
View ArticlePersonal Finance (Not Investing) • Depositing a check by mail: How to...
Are you thinking of a risk specifically with the postal service?if it is a substantial amount of money - I wouldn’t mail itI have had several pieces of mail lost over last year or two. Not worried as...
View ArticleInvesting - Theory, News & General • Does anyone on this forum feel...
Vanguard shows the 2022 performance of total us bond (VBTLX) and total international bond (VTABX) to have been basically the same: -13.16% vs -12.92%Yeah, I was looking at the USD Hedged Global Bonds...
View ArticleInvesting - Theory, News & General • Downtown Josh Brown is my guest on...
Best one yet!Statistics: Posted by Ferdinand2014 — Wed Oct 02, 2024 9:06 pm — Replies 7 — Views 821
View ArticleInvesting - Theory, News & General • Great innovations in investment
Since every financial concept introduced in the last 200 years has appeared in this topic as an innovation, I would like to add credit default swaps. This brilliant innovation allowed those of us with...
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