Personal Finance (Not Investing) • Is your Bank/CU offering FedNow instant...
more exposed you are.My bank MUST have my bank acct # on their website or I can't do online banking, but why does my electric company need to have my checking acct # on their website ? No reason is...
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Personal Investments • Today I gave up on factor investing
I believe in the value factor; the cash flow value factor that is. 30% COWZ/COWS/VFLO > 30% AVUV/AVDV et al. PE has realized 99% of the available value factor premium by taking public small caps...
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Investing - Theory, News & General • Flexibility in portfolio withdrawals...
I'd agree - even a small amount of flexibility is useful in terms of portfolio survivability. While I have only covered scenarios where the flexibility factor is fixed, it can also change with...
View ArticleInvesting - Theory, News & General • Is the Value Premium MIA due to...
The publicly traded company is disappearing. In 1996, about 8,000 firms were listed in the U.S. stock market. Since then, the national economy has grown by nearly $20 trillion. The population has...
View ArticlePersonal Investments • Sell stocks to pay down mortgage above 750k?
The advice to maintain liquidity, now, seems relevant.I have a concern that if the stock market were to enter a prolongued downturn, you would be in a position where you have a big mortgage, and no...
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Investing - Theory, News & General • Tesla Stock Skyrocketed After...
I'm mostly a passive investor, but I do sometime following financial news mostly for fun.Recently have been following Tesla stock and was expecting it to crater after the horrendous report: Tesla's Q1...
View ArticlePersonal Finance (Not Investing) • Confusion About TIAA IRA Inheritance Options
Click/tap the "!" button at the top right of a post in this thread, and explain your situation in the message box that appears.Statistics: Posted by 22twain — Thu Apr 25, 2024 2:18 am — Replies 3 —...
View ArticlePersonal Finance (Not Investing) • BoA Questions: upgrading Travel Rewards...
If one spends enough on travel, the reason to hold the Premium or Premium Elite cards is for the 2.625%/3.5% cash back in a simple one card set up. So you would want the Platinum Honors level if...
View ArticlePersonal Investments • Newbie portfolio review and questions
Thanks for the responses.Which fund company is your employer's SIMPLE IRA with? Is that a 5304 plan or a 5305 plan?Company is Ameriprise. I asked if it was 5304 vs 5305 and they said my advisor would...
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US Chapters • Roll Call for the Retirement Class of 2024!
This is the first week of my retirement.Congratulations LaramieWind! How does it feel to have that work behind you and the work stress lifted from your shoulders? What are you enjoying now? We wish...
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Personal Consumer Issues • Which wheel/tire combo offers the most protection...
You're talking about less than 5% changes in width, sidewall, and clearance. IMO not enough to make a difference.I appreciate your opinion on this! The reason I actually posed the question here was...
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Personal Consumer Issues • Making Windows 11 Look Like Windows 95?
I have recently read about some companies which are able to make Windows 11 look like older versions such as 95 and so on. My questions are:How do they actually do this from a tech perspective?How are...
View ArticlePersonal Finance (Not Investing) • Feedback on relocating(CA to VA) for...
Congrats on your savings to date. Do you have a job in CA now? Do you have health insurance now? If not I’d likely try it out if it won’t affect your health adversely. You can always resign if its not...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
Well schwab is no go for me. Do not recommend. Complete waste of time trying to open brokerage account to test them out. Lengthy online application glitched out right before the end. Phone rep says it...
View ArticlePersonal Consumer Issues • Is Tesla really low maintenance?
For sure the operating cost differences is a primary motivator for considering EVs. The baseline differences are so great that its hard to believe the (recent) change in the price of gas materially...
View ArticlePersonal Finance (Not Investing) • We want to retire?
11k*12 = 132k annual needed.Let us subtract 50k pension so additional income needed is 132-50k = 80k.80k * 25 = 2M portfolio is needed. You are already there.Let us say you retire at ages 57 and 51....
View ArticlePersonal Consumer Issues • Seriously considering an EV
I see Ford lost $132,000 per EV sold in Q1 2024. Ouch. Growing pains.The problem of incumbency in an industry which is undergoing radical change. The dominant paradigm for cars was determined over 100...
View ArticleNon-US Investing • US Green Card Holder Relocating Back to the UK
Hi Everyone,I'll be relocating with my partner around the end of August back to the UK from Colorado, after 7 years in the US, under our own steam. I've dug into the resources on this site and the tax...
View ArticleNon-US Investing • Best UCITS ETF for global stock exposure? (MSCI ACWI IMI)
Careful with new funds and bid/ask spreads and liquidity!There is some risk that it it doesn't take off, Amundi will just close it/merge it and you might be subject to some realized gains (losses)...
View ArticlePersonal Finance (Not Investing) • Leaving California Moving Overseas - Tax...
I think that you have to be out of CA for a minimum of 540 days before declaring yourself as a non resident. In that 540 days, you will owe CA taxes. Also, don’t own any house or car in the state...
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