Personal Finance (Not Investing) • H&R Block 2024 software offer
I get Deluxe + state every year for $20. I have never bought it on black Friday. I go to BensBargains where I see it posted a few times per year.SlickDeals for me.Statistics: Posted by urban — Wed Oct...
View ArticleInvesting - Theory, News & General • Shiller PE now near 37 - 3rd highest...
I personally think that taking into account metrics like Shiller CAPE goes against the bogleheads philosophy.We essentially believe the efficient market theory, that active traders tend to make fair...
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Personal Finance (Not Investing) • HDHP and HSA for Family or Free Health...
Here is how the math works.HSA next year will allow you to contribute $8,550 of your own money to invest. This privilege will cost you $3,900 per year, for the sake of tax free growth in your HSA...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
My credit union account makes deposits available within a day or two.My credit union used to make deposits available immediately. After the shenanigans that have been going on with widespread check...
View ArticleInvesting - Theory, News & General • Is a government bond an asset and a...
It's mainly #2, because they print money in the form of more bonds. Issuance of govt bonds and printing of money are two different things.Only depending on what definitions you use. If you're using...
View ArticlePersonal Finance (Not Investing) • Refinance - Payoff amount on CD does not...
Hi All,I recently refinanced my loan which closed on 10/15 as scheduled. When reading the final CD, i noticed that my payoff amount seemed too high (even accounting for any daily interest through...
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Personal Investments • How to Avoid Having Your Bond ETF Sink As the Yield...
We are seeing an unprecedented steepening of the Treasury yield curve especially from the medium (3 years onward) to the the long-end (the 30-year mark). The long-end portion is gonna be heavily...
View ArticlePersonal Consumer Issues • Heat pump question
So we keep out HPWH in the garage. The heat pump function alone just isn’t powerful enough, even in mild weather. I’ve got to schedule it into high demand during the, well highest demand part of the...
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Personal Consumer Issues • What Movie Have You Recently Watched?
Smile and Smile 2 when it came out in the theater the next day.Good plot and keeps you interested, not good for getting a good night's sleep though .Statistics: Posted by retireIn2020 — Wed Oct 23,...
View ArticlePersonal Finance (Not Investing) • Did your retirement go as planned?
I FIRE'd during the pandemic... much earlier than I thought I would after getting furloughed first than laid off. I had no intentions of retiring and thought I would rejoin the work force, but the...
View ArticleInvesting - Theory, News & General • Emergency fund break even point
The break even point is when you have an unexpected expense and you can easily cover it.Statistics: Posted by the_wiki — Wed Oct 23, 2024 11:48 pm — Replies 8 — Views 1250
View ArticlePersonal Finance (Not Investing) • Estimated Taxes Payment
Opinions vary. See How do I legally reduce my withholding to zero? and Reducing W4 withholding to reduce safe harbor surplus for some perspectives, and then the choice is yours....Statistics: Posted...
View ArticlePersonal Investments • VBTLX into BND
As others have said, dollars not number of shares matter It's a Roth IRA so there is no cost to exchanging VBTLX for BND but they are virtually the same thing. You do have a smaller expense on BND...
View ArticlePersonal Finance (Not Investing) • Yet another can I retire question
wasn't the 4% rule based on retiring at 65? Or does it work for retirement at any age?I will say I think it's pretty close but in the end, I'd rather be conservative in a recommendation, let the OP...
View ArticlePersonal Finance (Not Investing) • Becoming a financial advisor
Without any certification, I think you'd open yourself to being sued. There are strict do's and don'ts when it comes to giving "financial advice" and you learn those as part of the CFP course. There's...
View ArticlePersonal Investments • Did anyone here get caught holding Russian ADRs (YNDX,...
My YNDX turned into NBIS and started trading Mondayhttps://finance.yahoo.com/quote/NBIS/history/?ltr=1Statistics: Posted by bongo — Thu Oct 24, 2024 12:42 am — Replies 7 — Views 2079
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Personal Finance (Not Investing) • Those with assets - what do you leave your...
DW and I fully intend on leaving a considerable amount for our two kids. Currently around $2MM and if all goes to plan in about a four decades (I hope) we're looking at $10MM at a minimum. Of course,...
View ArticlePersonal Investments • Is 4% SWR for FIRE still viable under these circumstances
Think long term not just a few cycles of boom n bust. 4% is just fine. Remember that fear sells so there is a bit of conflict of interest when it comes to all those gloom n doom articles and YT...
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Personal Consumer Issues • What are you listening to now
Drops of Jupiter by Train Statistics: Posted by srt7 — Thu Oct 24, 2024 12:50 am — Replies 7125 — Views 811481
View ArticlePersonal Finance (Not Investing) • Medicare Part D-2025 $2,000 OOP Limit
As a data point, the two plans in my area with the lowest combined cost, using my medications, both hit the TrOOP limit at something less than $2000; I infer this because the drug cost for December is...
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