Personal Consumer Issues • Furnishing a rental apt on the cheap?
College seniors often unload furniture at graduation time. Thrift stores near the colleges might work too in May/June (but not Aug/Sep).My son was literally happy to give stuff away in the 3 days...
View ArticleNon-US Investing • Parents’ Home Purchase
Note that market rent will need to be charged otherwise it will definitely be considered a reservation of benefit, ie as if any gift never happened.Statistics: Posted by Genghis — Tue Jun 04, 2024...
View ArticlePersonal Investments • Should I stop 529 contributions?
No one has a crystal ball so we don't know for SURE if the current funds, grown for 9 and 13 years respectively, will be enough to pay for the 4y University of their choice. Given education-specific...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields have...
Here's hoping yields climb further.Why? If yields go higher, the NAV of your LTPZ will decline. If the fund duration matches the duration of your proposed ladder, there is nothing to be gained by...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
You can ask Fidelity to increase ATM cash limit. I have debit cards for two CMA accounts with limits of $1000 and $1530. By default Fidelity cards come with $520 limit. If you have Premium or Private...
View ArticlePersonal Finance (Not Investing) • How to teach your 20 year old to be Frugal?
The exception seems to be the kids pursuing the trades. One boy I know is training to be an auto mechanic and details cars for a living. He nets a cool $75K/year which makes this "doable". However, he...
View ArticlePersonal Investments • Backdoor Roth IRA - Need to create new Roth IRA account?
The irs considers you to have just one roth ira regardless of the number of accounts it's spread over.Statistics: Posted by placeholder — Tue Jun 04, 2024 1:09 am — Replies 15 — Views 613
View ArticleInvesting - Theory, News & General • Arithmetic Returns vs. Geometric...
Using arithmetic mean on most financial data is almost always wrong. Not different, just wrong.https://www.skewray.com/articles/change ... are-ratiosStatistics: Posted by bh1 — Tue Jun 04, 2024 1:10...
View ArticlePersonal Investments • Roth IRA basis question: no direct contributions, all...
I have moved roth iras many times over the years and never once had a custodian want to know about the basis.Statistics: Posted by placeholder — Tue Jun 04, 2024 1:11 am — Replies 17 — Views 708
View ArticlePersonal Investments • Full Scholarship - What to do with 529?
Lots of good advice. Thanks.To answer a few questions. It's about 100k in the 529. Started it 17 years ago. Looks like it qualifies for the Roth conversion. So that will be a good chunk. I guess leave...
View ArticlePersonal Consumer Issues • Good Modern Science Fiction
The Greatwinter Triology by Sean McMullen. Souls of the Great MachineThe Miocene ArrowEyes of the CalculorBasically after a long ago conflict no electric or electronic machinery works. Any built is...
View ArticlePersonal Finance (Not Investing) • Sale of Business Scenario Help
I am selling a small percentage of my business to my business partner for roughly $1 million. She has asked to give me half now and finance the other half over the course of the next 12 months at 8%...
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Personal Investments • 401K vs ESPP
The joke among us engineers is that we would contribute 100% of our salary into ESPP if we could (and meanwhile, borrow the six months of living expense from the bank). Alas, my current stinking...
View ArticleInvesting - Theory, News & General • Anyone holding VTV as sort of a tech...
I have about 10% of my equity portfolio in VTV ( value index ) vs VTI . Would be comfortable with more there.Statistics: Posted by Parkinglotracer — Tue Jun 04, 2024 2:05 am — Replies 3 — Views 398
View ArticlePersonal Investments • Investing for Mom
Need more information on your mom’s situation to determine the best way to invest for her.I manage my parents money. They are in their mid-80s and are very, very risk averse. I have them in only...
View ArticlePersonal Finance (Not Investing) • Wells Fargo Visa Signature Card
I have that card and chose to keep it because, even if the vash back is just 1%, it has a few hard-to-duplicate features. First is cell phone insurance, which would cost a few dollars a month per...
View ArticleInvesting - Theory, News & General • Can vanguard force transition to...
How much of a cost saving are we expecting? Will the admiral class expense ratio equal the ETF class?RonThe cost savings for the investor may be in avoiding increases in fees to stay on the MutF...
View ArticlePersonal Investments • TSP F fund question
viewtopic.php?t=126127You have a one-fund portfolio, and nothing could be simpler than that. If it makes you happy knowing you've got a pinch of this and pinch of that in your portfolio, all good. You...
View ArticleInvesting - Theory, News & General • Expectancy of selling options
The historical returns were positive for call options writing too, which cannot be interpreted as "insurance" against the stock market risk......I hear that retail brokers make a ton of money in...
View ArticleInvesting - Theory, News & General • Wes Gray is my "Bogleheads on...
Great episode Rick.Statistics: Posted by Fat Tails — Wed Jun 05, 2024 1:19 am — Replies 16 — Views 2305
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