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Personal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
tl;dr: I think the Smartly card will be great if you want to park > $5k in the Savings account to enable 2.5% cash back on a free card. If you want to push beyond that to the brokerage, buckle...
View ArticleInvesting - Theory, News & General • Can someone explain what happened...
Could be someone exercised ITM call optionsStatistics: Posted by learningcc — Thu Oct 10, 2024 11:02 pm — Replies 28 — Views 3052
View ArticlePersonal Finance (Not Investing) • Seeking Advice: Rent or Sell the House
Looking at it from a purely financial perspective, putting the the TH into service as a rental property will allow you to keep the amazing 3% interest rate and let you write off your insurance,...
View ArticlePersonal Consumer Issues • What are you listening to now
Foggy Mountain Breakdown — Flatt & ScruggsStatistics: Posted by Nicolas — Fri Oct 11, 2024 10:28 pm — Replies 6966 — Views 804210
View ArticlePersonal Consumer Issues • Tile Roof Question
Concrete tiles have wood battens. They have to be removed and reinstalled, either the same ones or new, when replacing the felt.If your roofing felt/underlayment is 28 years old, it is likely asphalt...
View ArticlePersonal Investments • Why do people tell you to assume 7% YoY growth in your...
7% real (10% nominal) is roughly the long term historical average market return. That’s why people use it. Problem is it inherently assumes 100% equity and a more or less infinite time horizon,...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Prior to pandemic (or just in early stages) - got bitten by Citi’s (then) inept and much-delayed processes and lack of customer service.Heard it has improved somewhat - but prolly still far-behind...
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Personal Consumer Issues • Best Purchase < $1000?
- Franker mutt from the shelter, $65. Has cost well over $1000 by now in year 3, but has not damaged a single thing. He is the best boy. - Ipad- Recent- Greenworks battery-powered chainsaw....
View ArticlePersonal Finance (Not Investing) • TD Bank hit with money laundering
No, I wouldn’t worry about it at all. What exactly is your concern? What bad thing is it you think might happen?That I will lose access to our money. The bank may close and cut off all contact. Should...
View ArticlePersonal Finance (Not Investing) • Letter From Social Security Cutting Social...
I would call them and ask at: 1-800-772-1213.Statistics: Posted by Dave5280 — Fri Oct 11, 2024 11:02 pm — Replies 14 — Views 2422
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Which B of A card should I use for charging L.A. County property taxes? I have the Premium Rewards, which would be 2.625% reward. I assume I could get a Cash Rewards card and pick the right category...
View ArticlePersonal Investments • Invest in dual health coverage to get HSA access?
It's legal so long as the healthier spouse is only covered by one healthcare plan - he can't be enrolled in an HDHP plan and a PPO plan at the same time. He's also not permitted to fund it at the...
View ArticlePersonal Investments • Ok to retire? and Golf Club?
>We expect to work for health benefits until Medicare.Which is 65yo, isn't it? Then you also wrote;...and transition into full retirement over the next 2-3 years:So at less than 60.What did I...
View ArticlePersonal Finance (Not Investing) • IRA after the death of the owner
According to this article, if there there isn't a "designated" beneficiary, you may not get to stretch the IRA under the IRS guidelines. The custodian can choose to make a taxable distribution to the...
View ArticleInvesting - Theory, News & General • Why hold nominal bonds at all? Why...
Your $100 in a tax deferred account with a 25% tax rate is only worth $75 post tax (after withdrawal) not $100. To me you need a $103 pre tax, not post tax, which is exactly what you have. You need to...
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Personal Investments • I will contribute too much into my HSA this year....
Should I take it out every 2 weeks when they deposit it when I'm paid until the end of the year? I think I'm only supposed to take it out if it's for an approved medical expense. Do I somehow have to...
View ArticlePersonal Investments • When should I convert to Roth, if at all?
One thing new users commonly miss - if you are holding bonds in tax deferred and stocks in Roth/taxable, in Pralana Online, you should use Build-Advanced Portfolio Modeling-Asset Allocation/Location...
View ArticleInvesting - Theory, News & General • Some of my friends are hesitant to...
May I suggest getting one of these things, and you will never have to rely on online calculators again. Best thing I ever bought. https://www.amazon.com/Hewlett-Packard- ... r=8-3&th=1You can go...
View ArticleInvesting - Theory, News & General • HSA Bank eliminating investment options
HelloI also have HSABank through my Fed Gov HDHP. I have small amount at Schwab and looks like everyone is moving that to Fidelity. I understand that it can be done through Fidelity account and just...
View ArticleInvesting - Theory, News & General • 16 years before Dow came back??!!
1966 - 1995 represent pretty much the darkest path in Bill Bengen's 4% rule. From 1966 to 1985, S&P 500 returned a 6.8% on an inflation of 6.8%, giving a real return of 0%. The damage was bad...
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