Investing - Theory, News & General • New Vanguard PAS Service?
We have discussed Vanguard PAS many times in this board. However recently their ad popped in my screen and they claim to cover:When should I claim Social Security?Should I take advantage of Roth...
View ArticlePersonal Consumer Issues • Hire a mechanical engineer for heat pump?
My thanks to everyone who has weighed in so far. I was not considering mini-splits, due to concerns about esthetics, and the difficulty of drilling through concrete block walls.But it seems like the...
View ArticlePersonal Investments • sequence of withdrawals during retirement--differing...
"There are some articles on this subject that are also typically addressed by CFP's - here is one from Vanguard:The traditional wisdom has been that higher future tax rates make conversion more...
View ArticlePersonal Finance (Not Investing) • Investing advice for K-12 private school...
I don’t love the investment options in my 529 but I do love the tax free growth.Let me get this straight: the state of Washington does not give any tax deductions for your 529 contributions. So, you...
View ArticlePersonal Consumer Issues • Suggestions for BH-approved (as in good value for...
Well .... the larger sensors are better in low light, generally. True. But, for equivalent DOF the larger sensor camera lens has to be stopped down, negating some (all?) of its ISO advantage ...... if...
View ArticlePersonal Finance (Not Investing) • Should I buy the $1.5M home in cash?
If you do the math, leaving your money invested comes out a bit ahead over the long run. But with your income, there is no way you can afford a mortgage on a house like that unless you put at least...
View ArticlePersonal Investments • What would S&P500 be if market valuations returned...
Current Shiller P/E (10 year rolling average) is 36.3 for the S&P500. The 100+ year average is 17.1. The S&P500 currently trades for 5,580.That would suggest the S&P500 is 52 percent...
View ArticlePersonal Finance (Not Investing) • How much cash do you save each month?
OP,I believe in saving 1 year of expense every year. Aka, save as much as you spend.The saving is automated by send the amount to be saved into the taxable brokerage, 401K, HSA from the...
View ArticlePersonal Investments • Next 12 Months: What Key Economic Indicators Do You...
They will all change. Some will change more than others.Statistics: Posted by Tycoon — Wed Jul 10, 2024 10:12 am — Replies 6 — Views 173
View ArticlePersonal Finance (Not Investing) • Patelco Credit Union Ransonware Attack
I think it's worth considering bank diversification these days. Agree, with ransomware attacks moving from educational institutions and medical providers to financial institutions there will be an...
View ArticlePersonal Finance (Not Investing) • Urgently need advice regarding Universal...
A lot to unpack here! Thank you all for taking the time to provide considerable insight! Follow-ups:1. Assuming continuous payment, is there any point where the policy stops accruing cash value?...
View ArticlePersonal Finance (Not Investing) • moving DW to rehab center, need advice
I’ve had three different family members go to a rehab facility after a hospital stay; mom, dad and sister. The goal of rehab is to allow someone to return home after a hospital stay where some level...
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
Looking back I think you did, too, I just found the explanation hard to follow-- that's on my level of knowledge, not yours. And to that chart you posted above that I shared on X - it's from Antti...
View ArticlePersonal Finance (Not Investing) • Question - Opened Vanguard account and...
Vanguard has a set of "rules" around new accounts that protects them and allows them to pull that amount from the new account. Specifically, you aren't able to transfer the money to other bank...
View ArticleNon-US Investing • Will InteractiveBrokers deduct US tax witholding...
Hi,I am a non-US person. Other financial institutions will auto deduct US tax withholding from my accounts automatically? Will InteractiveBrokers do that for me? I ask the support of...
View ArticlePersonal Investments • Retirement Strategy
How much do you guys account for SS in your strategy.Thanks!All of it because I am collecting it already. But if you go back two or three decades we are getting exactly the SS we thought we would...
View ArticlePersonal Finance (Not Investing) • Vanguard's $100 fee for account transfers?
Does anyone know if the $100 fee is imposed if I were to transfer less than the total amount in my Vanguard IRA to my Fidelity IRA? I'm not clear on the conditions for this fee.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Any Paint Experts Among Us? Sales tactic?
One or more if you mentioned using Sherwin Williams and just curious as to the knowledge to make such claims that it is a better product than Dunn Edwards.I would have no problem using a normal Dunn...
View ArticleInvesting - Theory, News & General • How do you deal with the all time...
No longer at all time highs. You can take a long deep breath and enjoy a red day.looks like we had some Really Bad Minutes mid-morning; or maybe they were just Sorta Bad.Or deflation all over the CPI...
View ArticlePersonal Finance (Not Investing) • Mortgage Terms on first rental: Need help...
I don't think the spread on the 10/1 ARM vs the 30 year fix is worth the risk. I'd opt for the fix over the ARM although statisically you'll probably wind up refinancing or paying off the loan within...
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