Personal Finance (Not Investing) • Basic tax question regarding PayPal fees
I report $103 with a $3 expense. If this is your only Paypal sale it probably doesn't matter since it won't be reported to the IRS so all they have to go on is what you tell them. If you do get a...
View ArticlePersonal Finance (Not Investing) • Reverse "Snow Bird": Insuring an...
Michigan has the highest rates in the country.Rick, I'm hoping the highest rate in the country, applied to my car only when it is "in service" will still be economically favorable to the way the...
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Investing - Theory, News & General • HEDGEFUNDIE's excellent adventure...
I have some issues about understanding the variation of bond ETFs like TMF or more precisely its underlying ICE 20+years Treasury Bond Index : 1 - I often hear that bonds vary with interest rates but...
View ArticleInvesting - Theory, News & General • Does the FIRE movement lead to...
OP,1) Any simple math calculation will show you that you are less than 10 years from reaching 33X.2) Anyone with basic common sense will tells you that it is too risky to be 95% stock when you are...
View ArticleInvesting - Theory, News & General • What does a bond ETF price actually...
Among all the other great points made, thanks to those pointing out that bond ETFs don't necessarily hold bonds to maturation (with the exception of things like i-bond ETFs). (It seems silly in...
View ArticlePersonal Finance (Not Investing) • Net worth anchoring - in retirement
This is why you need to have a withdrawal plan. Such a plan should allow you to sleep comfortably at night knowing your plan is built to withstand these kind of market fluctuations. FWIW, we have a...
View ArticlePersonal Consumer Issues • Toyota Camry vs Camry Hybrid
For what is worth, I have a 2022 Camry LE regular. On roadtrips I can easily get over 40 miles per gallon. In fact, last summer, I traveled to Midwest I averaged 43 mph and change. I was curious to...
View ArticlePersonal Finance (Not Investing) • Close to FIRE number but burning out at work
Where do you live? Could cut those costs significantly by moving to a cheaper area then you don't have to work so hard anymore.Statistics: Posted by z3r0c00l — Wed May 01, 2024 6:17 am — Replies 56 —...
View ArticlePersonal Investments • ACATS transfers and propriety funds
You have have two choices: sell the non-transferable security and transfer cash, or leave the security with your old firm.If you want to cleanly sever relationship with the old firm, sell first and...
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Personal Finance (Not Investing) • [Credit Card reward strategies at Costco]
This may have already been said, but to my knowledge this one is easy and has a hands down clear winning method:1. BoA Custom Cash rewards credit card2. BoA Preferred rewards (75% rewards bonus...
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Investing - Theory, News & General • Now that long TIPS yields have...
whodidntante now has north of 300k invested in TIPS. Some of them are even long dated TIPS. High octane nightmare fuel.Well, some people like living on the edge. Just don't watch them.I assume you...
View ArticlePersonal Finance (Not Investing) • Budget for healthcare
By contrast, I didn't want a "plan" that made assumptions about what our medical costs "might be", which put everything at risk if those assumptions were flawed. A "plan," being free, cannot put...
View ArticlePersonal Investments • Still worth it to buy iBonds yearly?
I don't think so, because right now you can get about a 1% real yield premium acrross the board over the I-bond fixed rate by buying TIPS instead. For me, that more than offsets the disadvantages of...
View ArticlePersonal Consumer Issues • Smoke Detector Without Low Battery Chirp
Second the 10 year detectors. Our chirping issue went away only after that.Statistics: Posted by steadyhand — Wed May 01, 2024 6:30 am — Replies 9 — Views 681
View ArticlePersonal Finance (Not Investing) • ACA and College Graduate
I suggest reviewing Form 8962 carefully. The latter part of the form allows for quite a few allocation scenariosStatistics: Posted by EricGold — Wed May 01, 2024 6:31 am — Replies 7 — Views 721
View ArticlePersonal Investments • Paper stock certificate
OK, I want to post an update and ask for some help.So, we got the paper certificate back from Lord Abbett and it had been marked as if it had been turned in, then the paper had to be made good again....
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Personal Investments • Possibly moving to Fidelity - ETFs?
Because of estate planning issues, my DH and I are considering moving from Vanguard to Fidelity.What "estate planning issues" do you speak of ?I had a non-trivial estate plan created last year and...
View ArticlePersonal Investments • Accruing Significant Wealth from Modest Beginnings?
OP,It is very simple.A) If someone is saving 20% of gross income and assuming 30% taxes, the person is saving 20%/50% = 40% of their annual expense every year.B) Every year, the person is saving 4.8...
View ArticlePersonal Investments • Fidelity mutual fund FSKAX “short-term trading or...
...I found this and it looks like there is a fee called “ short-term trading or redemption fee”. See below:Footnote 1. No Transaction Fee Fidelity funds are available without paying a trading fee to...
View ArticlePersonal Investments • Opinions on 90/10 Portfolio by Warren Buffett
It’s an aggressive Boglehead portfolio. Jack Bogle wasn’t a fan of international investing either. His bond choice is not particularly diverse but he’s using it as a substitute for cash so he’s not...
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