Personal Investments • Was too conservative at 50/50. How to transition back...
and then not look at it.This is the hardest part. How do you do that?Got to have self control. A bit like when I look at desserts at a bakery. I just look. No touch!I look, and in fact watch it all...
View ArticlePersonal Finance (Not Investing) • HOA restriction on renting property
It’s pretty common policy.It's EXTREMELY common policy and it's a good thing. Renter quality has really gone downhill. I'll just leave it at that ..Statistics: Posted by montanagirl — Mon Jul 01, 2024...
View ArticlePersonal Investments • Portfolio Review for mid 50's couple
Chassis, I appreciate your suggestions on allocation, 401k, Roth conversions and reading Lynch. I also updated my original post based on your questions. Many thanks!Thanks. Your net worth is >35x...
View ArticlePersonal Investments • Exchanging Mutual Funds in Traditional and Roth IRA
Vanguard has an issue regarding Roth IRA rollover from traditional IRA, improperly crediting a roth rollover to my RMD. This year I rolled over a small amount into a new Roth account, and Vanguard...
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Personal Consumer Issues • Brewing different types of tea?
We use this kettle with idiot-proof buttons for the type of tea you are brewing. It is not the biggest or fastest-heating, but it gets the job done.https://www.amazon.com/gp/product/B07T1 ......
View ArticlePersonal Finance (Not Investing) • Question about option trading
I don't see the point of buying this option. Why not just buy the underlying?Statistics: Posted by alpenglow — Tue Jul 02, 2024 7:37 am — Replies 7 — Views 505
View ArticleInvesting - Theory, News & General • Case Study: Broker speed of dividend...
I noticed that dividends payable on the same date appear at different hours of the day. at Schwab eg. today Schwab credited me the dividend for viov, and vbr but has not yet credited the dividend for...
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
Starting place:2015/21yo/graduated college: ~$5000My parents were able to pay for college at my small college and I started with only a small amount saved from internships. Enough to get a downpayment...
View ArticleInvesting - Theory, News & General • Anybody ditching Ally Savings...
Does Ally close accounts if there is no money in them?I've kept an account with a $0.01 balance at ally that I didn't want closed. I don't know if they would auto close an actual $0 balance...
View ArticlePersonal Consumer Issues • Best Grass Seed for Hot Climate and Full Shade?
In our area, long-time nurseries often have their own mix of various seeds. That is what we use in a similar climate to yours. Our experimental efforts failed, theirs worked. You could probably do it...
View ArticlePersonal Investments • Cash vs investment
My wife and I decided to move money to a MM account so we would be prepared to buy a second home. We did this because we are interested in buying this season, and a downturn in the market would be...
View ArticlePersonal Investments • HSA question for NJ
You compute capital gains the same way for your HSA as for federal tax. There is no capital gain on the withdrawal of cash, but all interest earned on the cash (or dividends if you hold a non-Treasury...
View ArticlePersonal Consumer Issues • Fix Electric Kitchen Range or Replace?
Our “element” went out - was really just the knob. Cost <$50 for a replacement knob vs $$$ for a new top (then worry about will it fit in the space, etc.)We also plan to move in a couple years. Was...
View ArticlePersonal Finance (Not Investing) • Trust for a young, healthy, wealthy family
Priority 1. Who would you want to raise your children in the horrible situation of you and spouse passing? Priority 2. Who would you want to oversea the financial situation in that bad situation?...
View ArticlePersonal Consumer Issues • Home Internet Speed Guide
It appears there's a decent number of users who do remote administration of system images that are routinely hundreds of GB or even TB's each. If a coworker or client can't continue their job until...
View ArticlePersonal Investments • Portfolio Allocation Disarray - Set Me Straight
Tax Rate: 20% (I thought this would be higher, but went by the 2023 taxes paid / taxable income calculation)What we are looking for here is your tax bracket. And it probably is higher than 20%. If...
View ArticlePersonal Investments • Gifting low basis stock or cash to children
One question is what would happen to the stock when gifted. Would they sell for funds, keep it or reinvest it? If you are more financially literate then they, it could be better to give them cash if...
View ArticlePersonal Investments • How safe is your financial aggregator?
when my bank account was hacked I had 2FA in place, used a unique password generator, had a VPN, had up-dated malware and virus software, etc. and they still got into my account.Am I the only one...
View ArticlePersonal Finance (Not Investing) • When Can We “Actually” Retire?
I wouldn't worry about it at your age, just save what you can when you can, the earlier the better. Absolutely no calculations you make now are going to be right in 10 years, let alone 25.That was my...
View ArticlePersonal Consumer Issues • Vapor barrier and air sealing, I'm a bit confused...
The easiest way to check is with thermal imaging during a cold snap or hot day. You can get a cheap thermal camera or hire it out. If the air is flowing you’ll see where and can investigate further if...
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