Personal Finance (Not Investing) • Am I buying too much condo? NYC $2mm
Am I buying too much home? NYC, Married, both 30-32, at most one kid in the future, but potentially none.This would be our first home purchase after renting all our lives. We do not have any large...
View ArticleInvesting - Theory, News & General • SOXX
SOXX Semiconductor ETF. A good buy and hold or a fad?Top holding is NVIDIA which is pushing ALL tech higher. What happens if NVIDIA goes lower?Statistics: Posted by retireIn2020 — Thu Jun 06, 2024...
View ArticlePersonal Investments • Roth or not?
Arrrgh, sorry I didn't read my W-2 correctly... 2023 Taxable Income was $98,852 (Single Filer)Federal = 24% tax bracket on $95,376 to $182,100 Taxable IncomeState (Missouri) = 4.95% tax bracket on...
View ArticlePersonal Finance (Not Investing) • Buying a Home in SoCal
I should sell a serial... We decided California was too difficult, and I received a job offer I really wanted in Washington State (not Puget Sound). My wife wasn't thrilled, but went along with it. We...
View ArticleInvesting - Theory, News & General • Expectancy of selling options
Writing options is similar to writing insurance. On average one makes money.Statistics: Posted by Thesaints — Sun Jun 09, 2024 1:04 am — Replies 40 — Views 4123
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US Chapters • Roll Call for the Retirement Class of 2024!
Change of plans. I am not retiring this year. In fact, I do not now have a targeted date. Things are far better at work, with some interesting and challenging projects, yet with a very low stress...
View ArticleInvesting - Theory, News & General • Considering Schwab
Generally for me though, if the sale executes on the first, it will be available on the second to move to checking before my credit card makes its auto debit on the second.So do you actually return on...
View ArticleInvesting - Theory, News & General • Why (or at what YTM) does it make...
Thought Exercise: $100K invested for 20 years that you're not allowed to touch.$100K at 2% = $148K real...but wouldn't ($320K real, invested at 6% US/Global Average) be kinda nice...?Especially when...
View ArticlePersonal Finance (Not Investing) • Best credit card to use to rent a car for...
Yes, I do own a car. It is in the shop and won't be repaired in time for this trip. I would rather not buy a last minute flight. Thanks for your reply.I think the intent of this post might be to...
View ArticlePersonal Investments • Best International Fund in Taxable
There was a prior thread stating that VT/VTWAX deducts foreign taxes paid from the dividend for tax reporting purposes. If that is correct, then while you don't get the FTC back, you are not having to...
View ArticlePersonal Finance (Not Investing) • HDHP always better than PPO? What am I...
OTOH, I contributed a tax-deductible $4850 to my HSA last year and I haven't used a dime of it. This has nothing to do with the OP's situation, as the OP is looking at $15K+ in charges. The FSA is...
View ArticlePersonal Finance (Not Investing) • At what point can I buy an expensive car?
Rule of thumb is useless because the cost of the car is a function of what you buy it for and what you sell it for. If you buy a $200k 911 and sell it a year later for $200k, is that worse than buying...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Making progress on PR status for DW. She's up to platinum status. Slowly but surely getting to the PH level. 50% bonus for the time being to the 2% (or 2 points on the PR card), and the 3% (or 3 pt on...
View ArticlePersonal Finance (Not Investing) • Reinvest Dividends During semi-FIRE?
Sorry if this has been defined before, but what is SEMI-FIRE?Is it when you could retire early, but choose to work half time?Statistics: Posted by VanGar+Goyle — Sun Jun 09, 2024 2:38 am — Replies 32...
View ArticlePersonal Finance (Not Investing) • Asking for my brother questions about...
My niece and nephew didn't go to college and both had dead-end jobs. My niece had some kind of certificate training that she did online. My nephew did online training for a line of work he was...
View ArticlePersonal Finance (Not Investing) • Which Midwestern markets have...
It’s always tough to assess where and why real-estate will go up or down over a given period.For example, I am surprised to see Floridians go to great lengths including self-insuring their homes while...
View ArticlePersonal Investments • Long-term capital gains on sale of index funds
How about filling out a mock tax return with your tax-prep software and add some fund sales to see what happens?Statistics: Posted by livesoft — Mon Jun 10, 2024 1:15 am — Replies 1 — Views 225
View ArticlePersonal Investments • Why employer caps after-tax 401(K)?
Compliance testing concerns see this thread: viewtopic.php?t=408789Statistics: Posted by placeholder — Mon Jun 10, 2024 1:21 am — Replies 1 — Views 196
View ArticlePersonal Investments • Valur , charitable remainder trust
I am in the same boat. See viewtopic.php?t=430457 for some commentary but essentially there are just a few options to diversify. FWIW, I spoke to Valur and they seem reasonable and competent. I havent...
View ArticleInvesting - Theory, News & General • How much portfolio loss can you...
During accumulation, it would not be unusual for someone to shrug off a 50% decline. With decades to go and a steady paycheck, that decline is just a bump in the road. When you are retired, you will...
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