Personal Finance (Not Investing) • How close are we to financial independence?
1. No two families are the same. Don’t put too much stock in what other people say since your experience will be unique.2. You’re in great shape.3. Yes. Spend more freely if you want to. Just be aware...
View ArticleInvesting - Theory, News & General • Share your 'reverse glidepath' stories!
Read the kitce’s article a while ago, seemed to make sense. Retired at 58 with 40-60 where most of portfolio is post-tax and have paid expenses out of bonds. Obviously we’ve had a nice run in equities...
View ArticlePersonal Investments • Advice sought on a specific UST bond
Thank you all again very much.Interesting that long term treasuries are not good choices for IRA because of the inflation risk. This was chosen and bought by an FA years ago.There is no urgency to...
View ArticlePersonal Investments • Helping adult'ish kids
Thank you all again very much for the crash course!I will fund all 3 kid's Roth IRA with $7,000 each for 2024.I assume it's too late to also fund it for 2023?Statistics: Posted by josephny — Thu Jun...
View ArticlePersonal Consumer Issues • Water Pressure Regulator
So this morning the static black needle on pressure gauge was still at 72 and the red needle was around 90. If I were to adjust the regulator down to 60 PSI static I am not sure if that means that the...
View ArticlePersonal Finance (Not Investing) • HELOC or savings for remodel, etc?
I see this is your first post. Welcome to the board! Hope you find it as beneficial as I have. Lots of great advice and smart folks here. It's difficult to give advice without asking additional...
View ArticlePersonal Investments • Wellesley's Total Annual Return (Equity only)
According to the Vanguard website for the Wellesley Fund & under “Portfolio Composition”, the stock asset allocation is 37.49%.The Vanguard website has all kinds Wellesley mutual fund “stock”...
View ArticlePersonal Finance (Not Investing) • Car vs Student Loan Prioritization
How much is in your EF?Around $27k in SPAXX/FDLXX. I typically contribute around $200 per month into that as well to slowly grow that account. I've thought about rerouting those funds toward the debt...
View ArticlePersonal Finance (Not Investing) • Interesting estate situation
A number of issues which might be moot, or not. The executor has to be appointed by the Court. Was the Court informed that there were two executors?The "estate lawyer" has to be hired by the executors...
View ArticlePersonal Consumer Issues • Condos across the country - an idea
I would be worried about having to pay multiple sets of owners corporation fees and also land tax. I agree though, it helps to have multiple residences esp with global warming about to become more and...
View ArticlePersonal Consumer Issues • Follow-up Actionable Housing Post / Affordability...
OP you're pigeonholing yourself by following a "rule" you decided you must follow. With this rule in mind, your options are to either buy a smaller home, one in a less desirable neighborhood or one...
View ArticlePersonal Consumer Issues • Food items from Amazon (discovered stale &...
I buy protein bars and trail mix nuts from them. Also canned soups and chili. No problem so far but because of your post I won't try the snack crackers. I've only returned a few items in like 20 years...
View ArticleInvesting - Theory, News & General • 401k vs roth 401k contributions
...the answer always has been pre-tax 401k is better because of the immediate tax benefit.Not always. See Traditional versus Roth.Even if I take the $5.7k of tax that I save and invest it at 8% annual...
View ArticleInvesting - Theory, News & General • Faith-based Investment Options,...
Well, now that the holding list for PTL is available, I did a cross comparison with the holding list for SPY and found that 217 out of the 504 tickers are in PTL. Out of the top 100 in SPY, I count 16...
View ArticleClik here to view.
Investing - Theory, News & General • Can deferred income annuities (DIA)...
Duration matching TIPS with delayed SPIASince one of the key elements of delayed SPIA approach is duration matching the TIPS (whether a single TIPS, a pair or a collection of TIPS funds) being used to...
View ArticleClik here to view.
Personal Investments • Should we buy out co-owners of rental property?
There's 4 primary ways you make money with real estate: cash flow from rents, appreciation, debt paydown, and tax benefits. It doesn't sound like there's much cash flow unless you can step in and...
View ArticleClik here to view.
Investing - Theory, News & General • What's Been The Best Investment of...
My house!Same! Statistics: Posted by YeahBuddy — Fri Jun 21, 2024 4:42 am — Replies 187 — Views 21173
View ArticlePersonal Investments • Best place to park $250k for a year
This is interesting to me. But I'm having a little trouble following the math. For simplicity, let's say I put in $100,000, and don't touch it until I withdrawal it all after 181 days. What would be...
View ArticlePersonal Finance (Not Investing) • Should I cash I bonds and buy T bills
We bought about 60 K of I bonds when the rates were high with no fixed rate . I consider it part of our EFWith rates being low ( I believe 2.96 percent), does it make sense to cash out and invest in T...
View ArticlePersonal Consumer Issues • Under sink water filter power source
With a dishwasher and disposal already on the circuit (already problematic if not using proper gauge wire) , though it draws little power adding the tankless RO will likely not be up to...
View Article