Personal Investments • FIT Guaranteed Income policy
Thank you for your responses Stinky and Harmanic,I don't see the pencil icon to edit my subject but I will keep looking. I don't know the answer to many of the questions so I will look for the...
View ArticlePersonal Investments • Moving from Managed to Index during Low Market?
Hey, all!Probably a naive and silly question, but my wife and I are planning on leaving our financial advisor/managed funds in favor of an index fund (probably VTSAX. We want to go with the original)....
View ArticlePersonal Consumer Issues • Interviews went well...two months have now passed...
And sometimes it can be effective to explicitly foreclose possibilities to allow you to focus yourself.My son was waitlisted by a possibly better college than the one that accepted him. I looked at...
View ArticlePersonal Finance (Not Investing) • Estimating Future Tax Rates for 24%...
I’d look at the possibility of tax cuts reverting in the near future. Otherwise, I’d use current ones. Those are the two scenarios I would model.The best part is that anyone can model any and all of...
View ArticlePersonal Investments • anyone wish they hadn't converted Fund to ETF?...
What?! Where? They've certainly offered recurring investments for some time. But where are automated withdrawals listed? Have you used this functionality?Yes, it’s under Reoccurring transfers. It’s...
View ArticlePersonal Consumer Issues • "Self care" gift package ideas
Pay to have his car detailed.What amount were you thinking? It’s kind of hard to make suggestions without an idea of your budget.Statistics: Posted by PoppyA — Fri Aug 02, 2024 10:27 am — Replies 2 —...
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Personal Consumer Issues • Recommendations for cheap beater truck
One thing I've seen recommended if you really want a cheap beater vehicle that can haul things is to get full size van.The era of a cheap truck to keep around just seems gone.It's basically a truck,...
View ArticlePersonal Investments • Financial Advisor Question
Also, does anyone have any suggestions on the best way to diversify based on account types including a brokerage account? Maybe recommend a good book.Welcome to the forum. I don't know what to say...
View ArticlePersonal Investments • Opinions on 90/10 Portfolio by Warren Buffett
I think the investment strategy is acceptable but it is significantly leaning into the domestic equity market rather than everything else. Of course, this shouldn't be too bad because you are fairly...
View ArticlePersonal Consumer Issues • Where to buy Windows 11?
They are legitimate keys, just not originally intended for retail sale in the US. It is technically not within the terms of use, but they do work. Pretty low risk, worst case it gets invalidated after...
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Personal Investments • Started a new role w/limited 401k options.
I probably won't be staying in this role for more than 2 or 3 years. I have no experience with any of these funds which brings be to my question. Which funds would be a good choice in this...
View ArticlePersonal Consumer Issues • Walking routes in NYC
Broadway from Union Square to as far up as you want to go.Return on subway.High LineProspect Park in BrooklynAcross Brooklyn BridgeConsider one of the many guided walking tours too if you want some...
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Personal Finance (Not Investing) • Should we renovate?
OP here, 9 months later.We are still very focused on doing this renovation and have met further with the architect and builder over the last few months. We would appreciate any other perspectives on...
View ArticlePersonal Consumer Issues • Maverick-like vehicles for $45,000 with great audio?
Replacing the factory head unit is often not possible in modern cars, as they control not just audio but also functions like HVAC, accessories, options programming, and such. So the question then...
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Investing - Theory, News & General • I ignore EVERYTHING except AA. Am I...
I understand that assets should be placed in a tax efficient manner among taxable, tax-deferred, and tax-free accounts; that rebalancing should be done tax-efficiently; that one's AA might change as...
View ArticleInvesting - Theory, News & General • History: Modern Treasury Market from...
I think things changed a lot since the Federal Reserve system was created. Economist gradually learned what worked to control inflation and what made the problems worse, FDIC bank inspections ...etc....
View ArticlePersonal Finance (Not Investing) • "Break-even" on mortgage points:...
I have never, ever, paid points on a mortgage. In fact, i always take negative points, and get paid for each refinancing. There's no point in buying down a mortage when there is no pre-payment penalty...
View ArticlePersonal Investments • BOND or BND
Dodge and cox Income or Global Income over BONDStatistics: Posted by quattro73 — Sat Aug 03, 2024 10:53 am — Replies 11 — Views 1014
View ArticlePersonal Investments • Beginner's Portfolio Review - Appreciate Your Input!
I concur in the advice to hold the bond allocation in a tax-deferred accounts (like the 403bs) instead of in the joint taxable account.I concur in the advice to establish Roth IRAs for each of you,...
View ArticlePersonal Investments • Do you invest on days when market is down ?
Market is up more than 5% on the year so I would have moved much earlier. All the other stuff I buy when I need it and not before.There wasn't any money left to "move earlier" so that is entirely...
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