Personal Finance (Not Investing) • using the same company for both...
...So essentially, do you avoid using the same company for checking accounts and credit cards that you use for investing?...Absolutely I avoid it. All bill paying is done out of our B&M bank...
View ArticleInvesting - Theory, News & General • Tips Ladder Placement Dichotomy
You can take money out of your IRA outside of RMDs.You can also rebalance across accounts, as in you can sell equities in a taxable brokerage for living expenses and buy equities in an IRA using the...
View ArticlePersonal Investments • 457 B plan
It is a non-governmental 457(b) plan and the funds are considered owned by the employer and subject to its creditors until you withdraw them. There are likely withdrawal restrictions that cannot be...
View ArticlePersonal Finance (Not Investing) • Pralana Online Released - Impressions
I requested an ability to set a specific % of taxable withdrawals that is gains. This was some time ago, and it's still "open." They have since replied to and addressed several other feedback items of...
View ArticlePersonal Finance (Not Investing) • Anyone willing to share their retirement...
Our fixed income, mostly from SS, not including retirement savings, leaves us about 5k extra a month after recurring bills, so it accumulates quickly. We have no loans with a paid off 2018 lake house...
View ArticlePersonal Consumer Issues • Oil change interval for low-mileage vehicles
Once a year regardless of miles drivenThis is what I do too. We have 2 vehicles that only see 800-1000 miles a year and we change the oil every March.Statistics: Posted by toomanysidehustles — Mon Jul...
View ArticlePersonal Consumer Issues • $1000 pizza oven?
Clueless as to what a “wsm” is. You are very likely not going to use it as much as you think but can sell it again if you choose. Wait a few weeks and see if you still have the hots for it before...
View ArticlePersonal Finance (Not Investing) • Cash plus account. What is the advantage?
One advantage for me is that monthly bills can be paid with ACH transfers in the Cash Plus account. I used to do that with my local bank, but now I get 3.5%+.Statistics: Posted by tony17112acst — Mon...
View ArticlePersonal Finance (Not Investing) • If you had to do it again, how would you...
Two time founder here. The first startup was the typical investor driven approach and failed. The second was boot strapped from month one and is my primary source of income 10+ years...
View ArticlePersonal Investments • 20 Year Treasury 4.82%
Serious answer: because they're marked to market just like any other bond. Their duration is 3x BND. If you thought your BND losses were bad, triple them.I think this is a key reason why. Unless you...
View ArticlePersonal Finance (Not Investing) • [Should I put 20% down to avoid PMI?]
Let's use below example - house price say $1M, with 20% down payment say interest rate is 2.8%. So $200k down. Now, if we go with 5% down which is $50K, assuming same overall mortgage rate, say PMI is...
View ArticlePersonal Consumer Issues • Best Zester?
Happy with our OXO zester-grater. https://a.co/d/gjN4PPQStatistics: Posted by bobn60014 — Mon Jul 14, 2025 8:13 am — Replies 10 — Views 434
View ArticlePersonal Finance (Not Investing) • Need a better bank... What is the best...
At our asset level, foreign ATM fees are reimbursed and exchange rates are superb.Medallion Signature GuaranteesSuperb smartphone appBest dividend payment timing, see the Case Study thread.Real-time...
View ArticlePersonal Investments • How best to protect a long-term emergency fund from...
"How best to protect a long-term emergency fund from inflation erosion?"Maybe by not having one?Thanks, thought did cross my mind. Perhaps best to draw down from the overall portfolio (currently 60-40...
View ArticlePersonal Finance (Not Investing) • I am thinking of leaving my 457 for Roth
My thought was that my pension would be 100% of my income.Let's start with this. Are you thinking your pension will be 100% of your income? Or do you know your pension would be 100% of your income?...
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