Personal Investments • E-Money Free Access
Food for thought - it's likely you gave access to your data to this company...eMoney isn't a "generic" platform, but it's one used by financial planners for their clients. I have access to eMoney...
View ArticlePersonal Investments • New to investing stocks (non retirement bucket)
Do I purchase ETFs or mutual funds? I just opened an account with Vanguard to fund my ROTH. Does this give me ACCESS TO BUY NON-RETIREMENT STOCKS OR DO I HAVE TO OPEN UP SOMETHING SEPARATE?You need to...
View ArticleInvesting - Theory, News & General • We need to talk about Vanguard...
I tend to think Bogleheads posts are informed, logical and save. The posts in re Wellesley make me question that the wise sages that tend to frequent this site are either dead or on vacation. What are...
View ArticlePersonal Finance (Not Investing) • 1st Time Home Buyer Questions
That restriction is something I missed. Yeah, single income calculations are the way to go. Or buy “in town” with the intention of swapping for the larger property in ten years or something. Or find a...
View ArticlePersonal Consumer Issues • Wood floor installation questions
Do you recommend putting underlayment under engineered hardwood? We’re in the planning stage of replacing our 1400 sq foot second floor carpet with engineered wood. The contractor’s proposal is to...
View ArticlePersonal Finance (Not Investing) • FERS Disability with Part Time Service
That's an interesting suggestion. I have not begun the application process, wanting to understand the financial impact first. But I have just written a letter to OPM's underground mine in PA where...
View ArticlePersonal Investments • 401k or SIMPLE IRA for my small business?
Between the two I think you'd be better off with a 401k with Safe Harbor provisions.In addition to the higher limits, a 401k won't interfere with the "Backdoor Roth" as a SIMPLE-IRA (and your existing...
View ArticlePersonal Investments • Vanguard to start charging fees/penalties for...
The irony of the low cost champion charging fees left and right these days. My 403b added a monthly fee. $100 account closing fee. Excess calling fee. What's next? Servers cost a lot to run. Excess...
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Personal Finance (Not Investing) • At what net worth or income should one...
I'd probably ride with the luggage if it saved me a dollar I flew first class once and didn't think it was that great of a perk. The biggest benefit may be less of chance of being close to a crying...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
I have a Canvas MYGA maturing the third week of September and will probably do a 1035 exchange from Canvas into a Gainbridge MYGA. @Woot & Stinky Does the 1035 exchange from one insurance...
View ArticlePersonal Consumer Issues • monument valley AZ anyone stay in a hogan house or...
Seconding Sunflower's point that the View really lives up to its name. We stayed there for two nights in January 2020, and the weather and light changed so much -- from fog to light snow to blue skies...
View ArticlePersonal Investments • An initial plan for someone in their 40's
sure that is fine. they simply need to live below their means and invest the difference. the more they invest the faster they win the game. they need to read and learn more too. for starters check out...
View ArticlePersonal Finance (Not Investing) • What is next for us?
You don't mention asset allocation. Do you have one that satisfies the risk tolerance of both of you, understanding that the stock portion of your AA could drop by 50%+ at any moment and stay down for...
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Investing - Theory, News & General • Vanguard to start charging...
I can't blame Vanguard. When I see some posts here with the most inane questions and the poster deciding to call Vanguard...I think Vanguard shouldn't have to cater to these customers. One poster here...
View ArticlePersonal Investments • Best Retirement Calculator
When I was looking at my "Can I retire?" question I did several things;1) I looked at half a dozen free "percent of success" calculators to make sure they all gave me a general "OK to retire" result....
View ArticlePersonal Consumer Issues • Best Place for New Car Batteries w/Installation
I've bought Interstate batteries that were reconditioned. 1 year warranty instead of the longer one for new. About half the price of new. I always take the battery into Interstate's parking lot and...
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Personal Consumer Issues • Keep a high mileage old car or get a better used one?
You "imagine" the insurance is low? You have an 11 year old vehicle with high mileage as your only car? I would keep it as a 2nd or 3rd car, but not an only car.You stated it won't last another 50,000...
View ArticleInvesting - Theory, News & General • Need help understanding why bonds in...
With a bit of planning and attention, you arrange life such that the tax rate on withdrawal is substantially less than what it was at time of deferral.I pulled money out of taxable (equity) for ten...
View ArticlePersonal Investments • NVDA Windfall: How much to sell?
I'd sell enough to pay off the mortgage and a small present to yourself for such a lucky investment choice. Congratulations!Could have been some skill rather than luck. Don't know why the initial...
View ArticlePersonal Investments • Newly "Retired" and have done poor job of...
I agree with this advice to delay the SSDI benefit to age 70, if possible, for the largest inflation-adjusted monthly benefit guaranteed for life.SSDI does not increase past FRA. Regular retirement...
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