Personal Consumer Issues • Tesla robots for homes - are we there?
I don't think Tesla cars are the best achievement of humanity. The Tesla company does more than build Tesla cars. They make batteries, solar panels, robots, and AI. That's just the list of the things...
View ArticlePersonal Consumer Issues • Potential Job Relocation - Washington D.C.
Thanks to everyone who's chimed in. I'm trying to get back via PM or little by little in the thread here. Before anyone can make a recommendation with regards to where to live, you really need to...
View ArticlePersonal Finance (Not Investing) • Any reason NOT to become a citizen?
I grew up in the UK, but have been living in the U.S. for over 30 years. Always thought I might retire back in the U.K., but realistically that’s becoming less likely for a variety of reasons. I would...
View ArticleClik here to view.
Personal Finance (Not Investing) • Financing a new home build—seeking advice
Construction loans are an expensive and troublesome pain with lots of hoops.My last was in 1993, and I vowed to self fund my many builds since then.HELOC, refi existing mortgage, margin loans, stock...
View ArticlePersonal Consumer Issues • Fort Lauderdale vicinity retiree locales
There are so many much more desirable and safer places within an hour north of Ft Lauderdale to check out. Lauderdale has gotten to be an expensive pit.Statistics: Posted by rickcrna — Sun Oct 20,...
View ArticlePersonal Finance (Not Investing) • Write Check from Inheritance Account to...
Got it, and when you write a check that you deposit into your "joint" account. . .do you write anything special on it? (Ex: Gift? Purpose?)I just electronically transfer from my Schwab Inheritance...
View ArticlePersonal Investments • CA intermediate municipal bond fund as a part of EF
I use CA long muni funds as my EF. Overall worked out ok. Similar/same tax brackets to the OP.I also have a smaller amount in vanguard MM.Statistics: Posted by Wannaretireearly — Mon Oct 21, 2024...
View ArticlePersonal Consumer Issues • Struggling with editing a Word doc, help!
Just make a text version first. One that looks OK with no formatting when sent as a text file.The text version gers e-mailed a lot, so that is what many potential employers see.Make the PDF version...
View ArticlePersonal Investments • Selling MCD stock to reinvest in Roth ira
I’m in the 15 percent capital gains tax bracket. So I’ll have to pay some capital gains taxes.Statistics: Posted by Sodak — Mon Oct 21, 2024 12:03 am — Replies 5 — Views 191
View ArticleInvesting - Theory, News & General • Fidelity's pitch for the use of...
That said, I currently don't use an advisor. I already made one mistake in my SS strategy that will cost me some taxes, but it was an error that only an advisor with very detailed knowledge of SS...
View ArticlePersonal Finance (Not Investing) • SECURE ACT 2.0 surviving spouse treated as...
I believe I'm also seeing the following "nuance" in the timing of these issues - Can anyone confirm if this is accurate?Sec 327 of the Secure act already "allows" the surviving spouse to be treated as...
View ArticleNon-US Investing • US Estate Tax on Ireland domiciled ETFs
Thanks for suggesting margin accounts & "swap" function.For anyone who's interested in the swap function, IB has a brief youtube video introducing it https://www.interactivebrokers.com/camp ......
View ArticleInvesting - Theory, News & General • Larry Swedroe on Reinsurance
The "alternatives" that you mentioned and that you tried are basically volatility laundering instruments in the sense of Cliff Asness, possibly with a questionable illiquidity premium but I doubt it....
View ArticlePersonal Investments • Asset Allocation for 90+ year old?
Why a life insurance policy?It sounds like he is going well. I'd just invest it so that he had 50/50 split asset allocation or even a 60% income/40% equity. If taxes weren't an issue with trades, I...
View ArticlePersonal Finance (Not Investing) • Unclear closing dates from the builder,...
Builder is not giving any grace period once they set the closing date that works for them. A daily fine of $500 is charged if we dont close by the date they ask us to do it.You should have pushed back...
View ArticlePersonal Investments • I would really appreciate a review of my investments
My portfolio a year ago was almost as messed up as yours. Too busy earning money and living to properly manage the investments. Here is what I did. Not that what I did was smart for me, let alone...
View ArticlePersonal Investments • Pre-Retirement Q: Pay off mortgage vs Invest???
Generally, I wouldn't pay off a 4% mortgage. It wouldn't make financial sense for me. I have enough deductions that I itemize, so mortgage interest is a whole lot cheaper than the mortgage rate. Even...
View ArticleInvesting - Theory, News & General • Varying asset allocation based on...
My current asset allocation is 85/15 (stocks to bonds). I believe that stocks are overvalued based on CAPE metric. I would like to increase my bond allocation. However, I am unable to figure out how...
View ArticlePersonal Investments • Fiduciary advisor recommending against TIPS ladder
You might want to read this helpful article by Allen Roth, who is certainly a highly respected financial advisor. He understands the value of a TIPS ladder, and knows how to build one. If your adviser...
View ArticlePersonal Investments • Thoughts on Which tIRA Funds to Roth Convert
I think you are asking the wrong question. I think you need to answer only two questions.1. What do you want your total asset allocation to look like? Since all these are in tax-advantaged accounts,...
View Article