Personal Finance (Not Investing) • Fidelity as a one stop shop
In the wiki on Fidelity as a one stop shop is states: Theoretical security concerns involve unauthorized access to the CMA account by debit card or checks/ACH, and the risk that the CMA and a linked...
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Investing - Theory, News & General • What do you think is the bare...
What do you think is the bare minimal you should know as a investor? The ideas that pop into my heads are:Living below your means and save some of your income.How compounding worksHow stocks and bonds...
View ArticlePersonal Consumer Issues • Albuquerque 5 days
Two good restaurants in Albuquerque:The Frontier, a campus eatery adjacent to UNM.https://www.frontierrestaurant.com/Indian Pueblo Cultural Center at the Indian Cultural...
View ArticlePersonal Investments • 529 Plan - How much more to contribute?
Hello Bogleheads:My son is 2 and half years old now and the 529 account balance is ~12,000. I currently contribute $500 monthly.By reading below from CNBC:"Using your kid’s current age in years,...
View ArticlePersonal Investments • Fidelity SE 401(k) - Managing Dividends
Which is the one vanguard fund because fidelity has a number of good index funds.Statistics: Posted by placeholder — Wed May 29, 2024 12:44 am — Replies 9 — Views 391
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Investing - Theory, News & General • Is a money market fund a good choice...
Try this past post viewtopic.php?t=411917Cash is a terrible long-term investmentSince I retired in 2007 (I have one IRA in STIG)All of that overperformance occurred in the first 10 years. Ans since...
View ArticleNon-US Investing • UK passive wealth manager recommendation request
Oh, interesting ... sad to see it going the way of customer service all over the world. Last I spoke to Vanguard US was before Covid. Great experience. Back in 2013 timeframe just as I was about to...
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
Thanks for posting these and the ZT comparison. I would guess the 3-5 year index benefits a bit from heavier weighting in the outperforming 0-3 segment of the curve than ZF has.Could be; but on the...
View ArticlePersonal Investments • Approximately How Many Total "Accounts" Do...
I’ve consolidated several over the last couple of years but still some ways to go:- Primary checking and savings- Another checking (not used much but free so have kept it open)- His IRA x 2- Her IRA x...
View ArticlePersonal Finance (Not Investing) • Retirement Options for Sole Proprietor...
Don’t be an employer, with all the attendant duties. Hire an HR firm to hire and fire your paralegal, and make sure that their benefits are paid. Look at retaining an Employment Administration...
View ArticleInvesting - Theory, News & General • Can real estate reasonably be...
Real estate is one of few assets subject to a confiscatory tax, namely the property tax. It is possible to impose tax liability that accumulates to exceed the value of the asset and without regard to...
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Personal Consumer Issues • Getting rid of stuff
Now if I can just get rid of the big box of Beanie Babies our daughter accumulated when she was young.How old is she now? When I bought a house, my parents started sending me pictures of my old crap...
View ArticlePersonal Finance (Not Investing) • Rent vs. buy in VHCOL city with $150k from...
With tenure and the description you've given, the assistance is a decent deal.However to take best advantage of it you need to make sure you find a house you won't want to move from for basically...
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Investing - Theory, News & General • What's up (or down) with TIPS?
I feel buying TIPS ladder is a sure losing game.If inflation goes up, your holding loses value in the secondary market. Do you mean if interest goes up?And you’re assuming that value in the secondary...
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Personal Finance (Not Investing) • Life Advice Needed - Software Engineer to...
Waiting for my books to be written…. Guilty as charged.Maybe you should work out how much to hire a ghostwriter to write your five novels. Probably could find someone for $25k or less for all five....
View ArticlePersonal Investments • Why companies don't allow post-tax 401k contribution?
You can't Safe Harbor your way out of discrimination testing with after-tax contributions. Typically, only the highest-paid people will take advantage of them, making it difficult to pass the...
View ArticlePersonal Consumer Issues • Summer Reading - Teenage Boys
So many good suggestions.+10,000 for Lois McMaster Bujold; she's my favorite. The Vorkosigan series has a great amount of character development. Agree with starting with Shards of Honor and Barrayar;...
View ArticleInvesting - Theory, News & General • Gary Smith: LLMs Can't Be Trusted...
Agreed; thus my comment about failures in translating English to formulas. Computers can solve complicated equations, but they cannot convert the text of a problem into the equation that needs to be...
View ArticlePersonal Investments • Individual 403(B) Rollover
You don't pay 20% tax they withhold 20% and at the end of the year you'll add all that money to your ordinary income and pay whatever taxes your particular situation requires but converting is a...
View ArticlePersonal Finance (Not Investing) • Larger downpayment or not ?
Hello,Could you please share the pros and cons of doing a significant mortgage downpayment (40-50%) by selling stocks versus doing 20% down and not touching the stocks, in today's time when interest...
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