Personal Consumer Issues • Street Lights and "Double Power Poles"
State is Ohio.Curious what laws or rules are in place that require the electric company to maintain street lights mounted out their power poles. I frequently turn in burned out lights and they've been...
View ArticlePersonal Investments • 403b contribution
The tax rental value is actually added to my income (so lets just say my gross is $130k to keep things simple). My work also contributes 10% of my salary each month to the retirement plan (I didn't...
View ArticleNon-US Investing • US Nonresident Aliens - Vanguard freezing legacy accounts
Your Schwab experience sounds positive. Thanks. I have not called the London investment professional from Schwab. I sent him a long mail with a list of questions and waiting for him to get back. Maybe...
View ArticleClik here to view.
Investing - Theory, News & General • Who looked at their portfolio today?
Yes, I peeked and totaled NW this morning. People are jumping up and down on how great Nov 6th was. I'm in the meh corner. DW & I, with our 60/40 portfolio, are basically back to NW where we were...
View ArticleClik here to view.
Investing - Theory, News & General • Cash is a terrible long-term investment
Those arguing that MMF have lousy long term returns relative to nominal bonds should take a look at VGLT, Vanguard's Long Term Treasury ETF. Its current principal value is more than 5% less than it...
View ArticlePersonal Investments • Investment Questions
You can simply move assets around within an IRA or within a 401k, if your IRA account or 401k account has choices. If your accounts do not have choices, you should be able to transfer your IRA to a...
View ArticleClik here to view.
Investing - Theory, News & General • International (Non-US) versus US...
Yet another instructive chart this time from WisdomTreeI think the diligent and undeterred US/international rebalancers among us can need some comforting after Trump's election induced yet another...
View ArticleInvesting - Theory, News & General • Historical perspectives on effects...
Perhaps you can go look for yourself.https://www.wsj.com/market-data/bonds?m ... subsectionWhy such an answer when I ask a legitimate question regarding: "yes, there has been a feeding frenzy in the...
View ArticleInvesting - Theory, News & General • Why the difference? Overnight...
Election results were known and incorporated before the markets opened.Yes. Short term traders (primarily institutions) had new information and were reacting to it before markets opened.Thus a very...
View ArticleClik here to view.
Personal Finance (Not Investing) • Is the Time Not Right For VTSAX Roth...
If you sell and rebuy the same or a similar fund, it does not matter what fund you pick. True. But if I feel that VTIAX is going to outperform VTSAX (since it's at record highs), I'd want to Roth...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
A compromise - which I'm going to go with - is to go back to the good old days: Keep your investing at Fidelity, but do your banking with a bank. Seems simple enough, at least if the problem is making...
View ArticlePersonal Finance (Not Investing) • Use lender from the home builder?
So, I am meeting with another lender- my bank- Navy Federal Credit Union.They offer to you that you can do a no refi- rate change as many times as you like for only $250 each time for the life of the...
View ArticlePersonal Consumer Issues • At home wifi coverage
You can spend a lot of time figuring out the Ethernet solution, or you can buy the Eero and be done in 30 minutes. Your choice.Also, you're being ripped off renting the router from the ISP, and...
View ArticlePersonal Finance (Not Investing) • Fed Health Benefits/Medicare/Plan Year
When you have both, in retirement, Part B is primary and FEHB is secondary. You want to research this for sure. Some FEHB plans “play nice together” with Part B and some do not. Three popular ones...
View ArticlePersonal Consumer Issues • No-Dig Mailboxes?
This VA's rules on it: https://www.vdot.virginia.gov/media/vdo ... elines.pdfMy mail post was painted with stripes and had reflectors. But a plow will knock down most things. I once asked the county...
View ArticlePersonal Investments • Too much 401k balance?
Speaking of SS - How is the amount calculated for an early retirement?It's convoluted, but here are some potentially helpful links.https://www.freefacts.org/resources/how ......
View ArticleClik here to view.
Investing - Theory, News & General • Treasury Direct, buying after issue...
While this is an advantage of purchasing at TreasuryDirect, it does not, in my opinion, outweigh the main disadvantage: you can't sell before maturity without transferring the security to a broker....
View ArticleUS Chapters • Post your Financial Milestone Announcements Here
Hit $20m+ mark today. Seems crazy to even type that out. Almost entirely on the back of some individual stock investments in MSFT, NVDA, TSLA and others almost 10 years ago. But that's it. I'm not...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
A couple of comments that were tending toward political were removed. As a reminder, please do not use a book review to bring items into the discussion that are not allowed under forum...
View ArticlePersonal Investments • Fidelity equivalents to vanguard
Why is portability not a concern in IRA accounts?So in future, if I want to move the Roll over and Roth IRA having fidelity funds from Fidelity to vanguard, do I have to sell the fidelity funds within...
View Article