Personal Consumer Issues • Does insurance typically inspect property?
When State Farm conducted a telephone interview with me to check on home replacement value, they asked how old my roof was. I sad about 25 years old. The agent said it looked good from the air, so I...
View ArticlePersonal Investments • Talk me out of these USAA annuities
According to the insurance agent, there are no fees associated with either account other than the usual early withdrawal fees, which I am not concerned about because I have other funds elsewhere....
View ArticlePersonal Finance (Not Investing) • How to Avoid Medical Bankruptcy?
Other than staying healthy, what can I do to avoid having this happen to me and my spouse?...Don't have treatments that aren't covered by your insurance...As the old adventure games used to say, "You...
View ArticlePersonal Finance (Not Investing) • NYC Upper West Side, Apartment purchase
duplicateStatistics: Posted by JackoC — Mon Aug 12, 2024 12:13 pm — Replies 19 — Views 886
View ArticleInvesting - Theory, News & General • High tax invest, low tax hoard
High tax invest, low tax hoardI feel the high taxes on businesses encourages investment. When you have high taxes on businesses, say 50%, the business will see that a $1 investment only cost the...
View ArticlePersonal Investments • Real estate as % of net worth?
Our primary home and second home is not considered part of our retirement planning. Don’t plan on selling as we require a place to live. Primary home will likely be the major source for the transfer...
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Personal Investments • Planning for a different asset allocation in the future
Often, folks on this forum will write something like - "I'm at 90/10 right now, aim to retire at age 65, and therefore plan to shift to 60/40 five years before that to mitigate against a downturn...
View ArticlePersonal Finance (Not Investing) • Is a Reverse Rollover and Roth Conversion...
I have a traditional IRA with a mix of pre-tax and post-tax contributions, and I've reported the post-tax ones on Form 8606. I'm thinking about moving the pre-tax dollars and earnings into my current...
View ArticlePersonal Investments • Vanguard, just text me my balance
Why would you need to know that every day? You'll likely be a better investor if you just stop checking, whether manual or automatic.+ 1With a simple 3 fund portfolio I have a pretty accurate estimate...
View ArticlePersonal Consumer Issues • cute small towns
Bardstown, KYSt Francisville, LAStatistics: Posted by walkabout — Mon Aug 12, 2024 12:18 pm — Replies 102 — Views 14674
View ArticlePersonal Consumer Issues • Clothing - stepping up from Costco to Quince
Hello Boglehead friends,I just placed my third order at quince.com. In the past, I have bought a lot of clothing at Costco. I've decided I'd like to look a bit more chic. I have my first art exhibit...
View ArticlePersonal Consumer Issues • Kohler vs generac generator
OP -Fuel type (availability/commonality), sound attenuation, anticipated duration, and maintenance were prime drivers for us.A 25kw Perkins diesel - w/manual switch , sourced via Hardy Diesel...
View ArticlePersonal Consumer Issues • Weekend Flea Markets in New York City
https://secretnyc.co/outdoor-flea-markets-nyc/Not all are open year-round.Statistics: Posted by Tom_T — Tue Aug 13, 2024 12:17 pm — Replies 2 — Views 98
View ArticlePersonal Consumer Issues • Buying a new clarinet: Intermediate vs...
If he won’t be playing for a long time or isn’t at a high level, I personally think a Buffet or other high end clarinet isn’t worth it.Buffets also have gone way down in quality. My old Buffet bought...
View ArticlePersonal Investments • strange rollover situation
Presumably you are thinking about rolling to an IRA at T Rowe unless you are with another employer who has a 457b with T Rowe? Realize that you will be giving up the governmental 457b advantage of...
View ArticlePersonal Consumer Issues • New Clarinet Playing Journey....or ...non-starter?
One more point. Ever since COVID, you can find teachers who have taken the time to figure out how to do a reasonably good job at remote lessons. Not as good as in-person, but better than...
View ArticlePersonal Finance (Not Investing) • sanity check on first time buying a home
and not throwing rent money away.At 7% the interest on a million dollar mortgage is $70K and year and property taxes will vary a lot but that could be another $13K a year on a $1.3 million dollar...
View ArticlePersonal Consumer Issues • Anyone have problems with Apple iphone SE2's?
I don't have that particular model but from what I've seen elsewhere on the internet it's not an uncommon problem with that model. I've seen multiple reasons for it and it's not always the logic board...
View ArticlePersonal Finance (Not Investing) • New rules and doing a for sale by owner-...
Probably won’t get many agents showing your house. It’s going to take a while for buyers to get used to paying their agents. Meanwhile, other sellers (your competitors) who are offering 2% or 3% will...
View ArticlePersonal Investments • Projections
Clearly no one has a crystal ball, but I am trying to set some long term goals. for 25-30 year projections in a spread sheet, what should I use a my annual return. IS 8% too much? 5%? What do you...
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