Personal Consumer Issues • attic insulation question - spray foam in tight...
If me, I'd skip it. Mathematically you will see a very small difference in the calculated BTU/hr heat flow in the ceiling. The ceiling is only a percentage of the total area of walls, floor, and...
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Personal Finance (Not Investing) • Would I benefit using Quicken (for Mac)?
I used Quicken for many many years until Mint came along and I used Mint for many years until it shutdown early this year. I evaluated few financial tools that would replace Mint and I decided to go...
View ArticlePersonal Investments • RMSA use prior to age 65
DW has option for a retiree medical savings plan (RMSA) at her work - employees can contribute as of age 50 and are considered vested if still employed there at age 55. It’s been a little unclear what...
View ArticlePersonal Consumer Issues • Differences between cheap and expensive cell phones
.With both phones after a few years of use the battery started expanding so that the front and back cases are no longer connected.Are you leaving it plugged in most of the time?Yes. Whenever I am...
View ArticlePersonal Consumer Issues • *Almost* victim of identity theft today
Another odd thing - no hard inquiry alerts. I usually get a flurry of emails from different sources (credit monitoring) saying a new inquiry was added to my account.Amex doesn't do a hard pull for...
View ArticlePersonal Consumer Issues • What are you listening to now
In the Presence of the LordEric Clapton definitely singing.Live version.Don't know if it is Blind Faith or Derek and the Dominos.Statistics: Posted by yankees60 — Fri Aug 23, 2024 2:39 pm — Replies...
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Personal Consumer Issues • Question for cord-cutting sports fans
Well, that was disappointing. Apparently, Hulu is doing ad insertion for live channel feeds. How did I know?I never listen to the network announcers. When the Eagles are on (like now...), I mute the...
View ArticlePersonal Investments • What to do with DW ESOP
Made some updates to our portfolio.Hello all, its been a bit. Got DW through the medical situation. All is good. Thank goodness for good insurance. Now to tweak our finances.Me 58, still workingDW 67,...
View ArticlePersonal Finance (Not Investing) • Slott: The Big Retirement Myth
Everyone's situation is different and life does not always go the way one plans. Rules of thumb are only good within the assumptions it is based on.We socked away everything we could in tax deferred,...
View ArticlePersonal Finance (Not Investing) • First Post - How to pay off low interest...
Would Bogleheads advise having this 2.25% mortgage paid ahead at all (1,3,6 months etc) right now to hedge against unforeseen circumstance?I think the answer to this depends on the size (and...
View ArticlePersonal Finance (Not Investing) • Using a 529 yearly for expenses going...
You have $5k and are going to put in $8400 a year. What is going to be the annual drawdown for these private school costs?Without knowing the annual draw, the picture is incomplete.Updated the OP....
View ArticlePersonal Consumer Issues • Payment platforms (p2p) compared: PayPal and Cash App
I’ve used PayPal mostly for e-commerce transactions (like eBay) and to a lesser extent invoicing clients. You’ll often see the ability to pay through your PayPal account when making purchases from...
View ArticlePersonal Consumer Issues • RLI Umbrella Renewal Issues
Last year I bought a $2M umbrella policy through RLI. It's up for renewal in a few days, and I have a few questions.First of all, on the RLI site under the "get a quote" button, it's says "not...
View ArticlePersonal Investments • Fidelity: Automatic investment with (intentionally)...
Not me. Suggest you look for the answer on reddit: https://www.reddit.com/r/fidelityinvestments/A relevant google search would use these search terms: automatic investments with intentionally...
View ArticlePersonal Investments • Bond funds never make sense in taxable account - am I...
The uncomfortable truth is that the "right" answer depends on the unknowable, most importantly your future marginal capital gains rate, but also the state and federal income tax rates through your...
View ArticlePersonal Consumer Issues • AirPod Max or Bose Quietcomfort Ultra headphones?
I find Bose to be more comfortable due to reduced weight. Noise cancelling is also better on Bose. However, although subjective, AirPods Max sound better for music. I still would get a Bose based on...
View ArticlePersonal Consumer Issues • Car batteries: Any experts here?
Thanks. One thing I have found is that the moniker "maintenance free" on a traditional lead-acid battery is a lie.The battery must vent and in turn, will lose the amount of electrolyte mixture through...
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Personal Finance (Not Investing) • KF Roth Conversion Plan
It’s a choice not a requirement. OP could convert to the top of the 12%/15% bracket, but is choosing a big 1-year conversion to avoid a potential future problem whose probability is unknown. Using...
View ArticlePersonal Investments • Where would you park 1/2 mil for 6mo?
Individual T-Bills or for a little bit less work, SGOV with distributions reinvested.SGOV: How important are limit orders when buying this?I make market orders only and then go on about my...
View ArticleInvesting - Theory, News & General • How to blunt the outsized tech...
Check out equal weighted S&P 500 index funds. Expect higher ER. Expect most likely worst performance some of the time.Statistics: Posted by rockstar — Sun Aug 25, 2024 2:39 pm — Replies 43 — Views...
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