Investing - Theory, News & General • Gold Beat US Stocks: Last 25 Years
Hard for me to say, subjectively.I held stocks through all of that, so know what it felt like.I wasn't holding gold all that time.right, but don't you think it would have felt even worse to hold gold...
View ArticlePersonal Finance (Not Investing) • Changing beneficiary on account question
You indicated this was a beneficiary on an IRA and/or taxable Payable on Death (POD) account, versus a beneficiary listed in a will. A POD account does not go through probate - there is no court...
View ArticlePersonal Consumer Issues • foreign eSIM vs AT&T international
Assuming you have access to free WiFi at your hotel and other venues, why not connect your AT&T line via WiFi calling. That should allow you to receive and send texts and calls just as if you’re...
View ArticlePersonal Investments • I turn 18 in 2 months and here's my plan to start...
There are always going to be recessions, corrections and even 20% downturns. Having an investment strategy and tuning out the "noise" help immensely. The danger of not investing now is that there is...
View ArticlePersonal Consumer Issues • Buying Bed For Apartment
the best solution for bedding is the european solution: use 2 split mattresses instead a single large one; use a platform+slatted system with thin mattress toppers instead of bulky Box Spring +...
View ArticlePersonal Investments • Overwhelmed with decisions after major life events.
New member here, although I've been lurking for a while before joining. I can be a very verbose person so feel free to skip the prologue… I put all the hopefully properly formatted financial details...
View ArticlePersonal Consumer Issues • 5 Day Trip To London
Thank you all for responding. I can't hit all of these places but I will be visiting a good number of them.This is something I've been considering. We like hiking so we were considering doing a...
View ArticlePersonal Finance (Not Investing) • Medicare Part D and Out of Pocket Cap
I will add one more thing that matters…the formulary for each plan. Some drugs may not be covered by some plans. Generally the more expensive the plan, the better the formulary.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Money Market Optimizer Spreadsheet -...
I believe cell C15 in tab CurrentTreasuryYields is referencing the incorrect column of data. It is referencing T33 when it should be U33. The result is that it is pulling in the 20-year yield instead...
View ArticlePersonal Investments • Drawing down from the bucket that is "up" in...
The scenario I described is not what's happening in a TDF. I understand that a TDF is continually re-balanced to have the desired percentages of stock/bonds/cash. But when a person withdraws from a...
View ArticlePersonal Finance (Not Investing) • Elderly Relative - Planning for the next...
It sounds like you have the coverable bases covered.Best wishes to your relative and to you for things working out happily.As to Factor, we tried Hello Fresh during the Covid and have stuck with it...
View ArticlePersonal Consumer Issues • Lexus 350 NXH
We have a NX350h luxury trim. The NX350h will be a nice step up in luxury rom a Honda CRV. I say go for it. It’s a great vehicle, perfect size for urban / suburban trips, while still feeling roomy and...
View ArticlePersonal Finance (Not Investing) • Pralana Online Released - Impressions
My big need is to handle the relevant factors for Roth Conversions, as I understand it, other programs just don't do what I need. Competitor products are missing preferential placement of bonds in tax...
View ArticlePersonal Investments • Near retirement, portfolio review, please
Some quick takes.Overall with a portfolio of $2.7M and required income of $150k is a withdrawal rate of 5.5% which I think should be doable.At 3.375% I wouldn't be in a hurry to pay off the mortgage,...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
Decided against going out to eat for lunch. Instead, I heated up left over chicken (boneless, skinless) peppers, onions, added seasoned broccoli. I was so full I skipped dinner.Statistics: Posted by...
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Personal Investments • What is the Most % the Stock Market Could Drop?
To stir the pot, I just read a couple of books on the runaway inflation episodes in post WWI Germany and Austria. Where some stocks performed better than government bonds, cigars were a great...
View ArticlePersonal Finance (Not Investing) • Erase and Replace - IRA tax withholding
You don't need to have any earned income to do a 60 day rollover.Statistics: Posted by bberris — Fri Nov 15, 2024 6:22 am — Replies 2 — Views 122
View ArticleInvesting - Theory, News & General • Why is the BH “3 Fund” so far from...
MPT is a single-period analysis (reflected in the duration of the risk-free asset). The market is not uniformly optimizing for a single period.Statistics: Posted by djm2001 — Fri Nov 15, 2024 6:25 am...
View ArticlePersonal Investments • Foolish to consider this fixed index annuity?
My portfolio consists of CDs, brokerage account for stocks and ETFs, and a 401(k) account. I'm looking for a safe investment option for $100K, given that I have a high (probably too high) percentage...
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Personal Investments • Newbie: Portfolio review and retirement planning
His Taxable39.79% AMZN $1.65M37.09% MSFT $1.53M1. Tech concentration - Given large portion of our portfolio is concentrated in AMZN and MSFT stock, I'm looking for advice on diversifying while...
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