Personal Consumer Issues • Google Fi Problems
Good luck you are likely going to need it. I have been on Google Fi since late 2016 (I travel internationally a lot and don't use a lot of data--mostly telework at home) so it is perfect for me....
View ArticlePersonal Investments • 2.5% withdrawal rate forever?
A 2.5% withdrawal rate should be a sustainable withdrawal rate for a very long time particularly now that interest rates have returned to more normal levels after many years of the Federal Reserve...
View ArticlePersonal Consumer Issues • Best All-Season tires for F-150
I am a big fan of BF Goodrich All-Terrain T/A KO2. Great in the ice and snow, off-road, durable and long lasting. If not interested in off road or snow I would find something else though. Good...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
FYI:I recently purchased an annuity from Athene with ACH transfer. I could see the money was withdrawn from my bank, and when I logged in to the Athene website I could see that the contract was...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Interesting takes on this thread.The more I read about investing in general, the less confidence I have about any assertion about the future, including assertions of my own.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • TMNT not Teenage Mutant Ninja Turtles
I, too, like to jump on bandwagons and invest in stocks after they've grown 3,000% in five years.Statistics: Posted by toddthebod — Sat Jul 06, 2024 9:03 am — Replies 4 — Views 359
View ArticlePersonal Investments • Roth IRA withdrawals - help me understand
But ... do I have to report it? ...If your Roth IRA is qualified, you do not have to report it. See instructions for Form 8606 Part III. If the Roth distribution is qualified, then Form 8606 does not...
View ArticlePersonal Investments • Rebalancing Between Accounts
I achieve my target allocation across ALL accounts. I do not try to maintain that allocation in EACH account. Depending on your holdings, that may or may not mean you have to hold bonds in your...
View ArticlePersonal Consumer Issues • Medicare Advantage Reigns. So Who Still Buys...
I actually pay a consultant to help me chose the right plan. She's never mentioned the "PPO" option, but I'll be sure to ask her about it next year!Statistics: Posted by Small Law Survivor — Sat Jul...
View ArticleInvesting - Theory, News & General • Article: Why not 100% equities
All stock 30 year SWR has higher variance/volatility in outcomes that other more balanced asset allocations. Following bad cases typically exceptionally good cases arise, those more extreme exceptions...
View ArticleInvesting - Theory, News & General • AQR's Cliff Asness Preaching the Gospel
Dont forget ,Larry Swedroe left as well, because of the way he was treated.Some financial "gurus" prefer venues where they won't be challenged.Swedroe had pretty sharp elbows. He got pushback, but he...
View ArticlePersonal Finance (Not Investing) • Letter from debt collector - didn’t renew...
1. Yes, I got an electronic copy of notice of cancellation from GEICO. 2. Yes, it went to collections. The letter I got from collection states the amount that would have been the new premium if I had...
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Personal Consumer Issues • How did you learn and play music, and what...
thanks for asking and sharing. Please take my comments with large grain of salt Given a guitar at 14 and been playing ever since but all self-taught. Rock and a bit of jazz (love the classic Miles...
View ArticlePersonal Consumer Issues • HVAC decision help please
Current system is 15 years old. It does need to be replaced. 2nd story is more difficult to cool each summer. Ducting is part of the answer, to redirect the order the air flows to which rooms.Before...
View ArticleInvesting - Theory, News & General • Individual Bond vs Bond fund and the...
Why would you be limited to cash? You can reinvest TIPS coupons in a TIPS fund, you can reinvest treasury coupons in a treasury fund, etc. Then you can periodically sell the accumulated fund shares...
View ArticlePersonal Finance (Not Investing) • Hire lawyer for simple probate in Florida?
You can’t spend from a joint checking account. Those are owned by your brother.You can with your brother’s help. I know this forum talks a lot about contentious families, but most just want to do the...
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Personal Consumer Issues • Whole house ELECTRIC backup - PowerWall?...
Looks like we used 47 kWh per day per last electric bill. Not sure if this is how one estimates load?Starting with kwh, look at KW usage (peak power usage) to size your generator. So, if you used all...
View ArticlePersonal Investments • Leaving an AUM Financial Advisor
I left a high fee company known as Ameriprise years back. Have been better as a result.My experiences, they may charge you “account closure fees”, these are insidious. I had four accounts (2 taxable,...
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US Chapters • Post your Financial Milestone Announcements Here
Today I passed 1M in my 401k. Woohoo! Congrats! I came here to post the exact same milestone! My spouse started saving earlier in life and passed this a long time ago, and we have joint investment...
View ArticleInvesting - Theory, News & General • I am having FOMO. Please remind me...
However I have read stories about bear markets, like 2008-09, and how punishing they can be. I couldn’t imagine our emergency funds going through that. Here's one "famous" discussion from that time,...
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