Personal Consumer Issues • Need advice on negotiating new car purchase -...
[Topic is now in Personal Consumer Issues - car purchase. mod mkc]We plan to buy a new 2025 Toyota Crown Signia XLE for my wife. It is a fairly new model that I don't believe to be in high demand. I...
View ArticleInvesting - Theory, News & General • That TIPS thing, again
...This seems to me to be risky, as you are making essentially a forever bet on real rates all at once...No, no, no. Stop thinking in nominal dollars and start thinking in real dollars. Real dollars...
View ArticlePersonal Finance (Not Investing) • Do Agents Make More $ Selling Advantage...
If you call the company directly you'll deal with the company's (captive) agent. Either way, (independent/captive) you'll pay a commission.Statistics: Posted by VCC — Tue Oct 22, 2024 12:11 am —...
View ArticlePersonal Consumer Issues • Converting an outside light to dusk-to-dawn
I have all of our outside front lights on smart switches (Lutron Caseta) hooked up to Apple HomeKit, with an automation that turns them on 30 minutes before sundown, and then either off at a set time...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
mentioning the Merrill Edge offer, they're matching it.Care to share a link to Merrill Edge offer?Statistics: Posted by RookieElmo — Tue Oct 22, 2024 12:27 am — Replies 9163 — Views 1695486
View ArticlePersonal Consumer Issues • Help choosing a vehicle for RV'ing
Ok, lets call it RV'ing. Up to $150k, 26 feet or less (no trailer) . There are a gazillion choices out there, just wondered if anyone here had an RV they really like that might fit the criteria...
View ArticlePersonal Consumer Issues • Fixing dead TV
Samsung TVs are notorious for going out. I've had a couple of them that went out within a year of each other. Never again, and don't get me started on the Samsung refrigerator or washer/dryer.In my...
View ArticlePersonal Finance (Not Investing) • Pralana Online Released - Impressions
Regarding the optimization for Roth conversions, I think you are not understanding how this feature works. I agree, Timmar misunderstands the Roth conversion feature. He said Pralana is "suggesting"...
View ArticlePersonal Finance (Not Investing) • K1 tax form
I have been a DIY tax filer using turbotax. I am contributing some stocks with huge capital gains into an exchange fund (provided by the likes of Eaton Vance, Goldman Sachs, Cache) which will issue an...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
At Fidelity/Schwab/Etrade you can use their funds/ETFs for similar/lower ERs, and 0 in solo 401k fees. If you use mysolo401k, you'll pay $125/year, plus $525 setup. That's probably higher than...
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Personal Consumer Issues • What are you listening to now
The first is "Way Over Yonder in the Minor Key" by Billy Bragg (backing band is Wilco, with Natalie Merchant on harmony). This song has an interesting history as the lyrics were from none other than...
View ArticlePersonal Investments • First time selling fund shares--taxes
1. I really don’t need to be concerned with the cost basis and lots when I’m selling this year. Retired@50 gives good input. I'd only add that the above troubles me. I'm not sure what you mean. In...
View ArticlePersonal Consumer Issues • Kitchen Range Replacement 2025
Mountain or molehill, one interesting factor will be how to convince my wife to consider an induction range. In our previous home, she was fine with a gas range, though thought it more difficult to...
View ArticlePersonal Investments • Any reason not to cash out Whole life?
The forum here is automatically biased against life insurance, without even thinking it through. I would regard the cash value of your life insurance as a bond, even better than a bond because it...
View ArticlePersonal Investments • When should I convert to Roth, if at all?
What happens if...?Good question(s). The extent to which you "should" model all (reasonably) possible future combinations of tax law, investment returns, personal situation, etc., vs. making one best...
View ArticleUS Chapters • Post your Financial Milestone Announcements Here
Retired in 2019 with 3.2M and with no new contribution, it's now up to 6.5M. Total NW is now above 10M.Amazing. How has your AA changed from 2019 until now?Prior to 2019 I was 100% in stocks, then I...
View ArticleInvesting - Theory, News & General • Double.finance - Direct indexing...
I don't see this firm listed on Finra Broker Check, it looks like they are an "Investment adviser firm", was anyone able to find what brokerage is holding/trading the assets? Or does this work by...
View ArticlePersonal Investments • How does your plan account for Go Go years?
I plan to ignore SS altogether in the ‘ top down’ plan. Get me to 30-33X and I’m so done. We spend quite a lot I’ve found out recently, so that’s one ironic thing where X keeps your budget/spend...
View ArticleInvesting - Theory, News & General • 16 years before Dow came back??!!
During it Andrew Tobias talked about remembering the day in 1966 when the Dow hit 1,000 for the first time. It did not finish there, hit it intra trading day.He said it did not hit 1,000 again until...
View ArticlePersonal Investments • Bond Fund
All, I had a good chunk of money in VBTLX, and as the market rose it was falling. In fact, how it behaved felt completely random, and no matter how much I read or watch youtube, I can't get my head...
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