Personal Finance (Not Investing) • Overpayment to credit card account to...
This is very odd. I just checked all my credit card accounts since I have not used them for more than a year. This particular account had a $1,000 credit limit when I applied and when the card was...
View ArticlePersonal Finance (Not Investing) • Paypal 5% cashback debit card
Check out the Citi Custom Cash credit card.Only $500 a month in 5% reward spending vs $1000. For me, $500 is not enough to cover my grocery spending. And I already have an old Paypal account. I'm also...
View ArticlePersonal Finance (Not Investing) • Considering Retirement - help running numbers
I've been retired for 15 months. I'm surprised at how much more things are in retirement than I expected, but did plan for it. I would recommend the following. Make a "retirement list". Throwing it...
View ArticlePersonal Finance (Not Investing) • marital trust - why is it the exemption...
...I think the reason I have been confused is that every lawyer I have spoken with (quite a few), says something like "The federal estate exemption is portable, so we do not have to do anything to get...
View ArticleInvesting - Theory, News & General • Traditional IRA vs Taxable Account
Anyone regret, in hindsight, contributing to a Traditional IRA rather than taxable account due to RMDs taxed at ordinary rates vs more favorable LT capital gains rate? What adjustments are you making...
View ArticlePersonal Investments • BND vs FBND
One more question: We also have BNDX. Do you feel this is one to keep as well? I'm not sure I agree that keeping overseas bonds is a good idea at this time.Statistics: Posted by lcarrollccc — Mon Sep...
View ArticlePersonal Finance (Not Investing) • Interesting prescription drug price spread...
Costco is coming in less than Mark Cuban slightly for every one I take, except for the most expensive on where Costco/Costco Mail Order is $90 vs Cuban $180.It has been the opposite up until now for...
View ArticlePersonal Investments • I am getting ready to buy a NY Life SPIA Annuity. Need...
About the caps on guaranty association coverage - I’ve talked to my local guaranty fund (Alabama) and this is what they told me. (In my state, the coverage limit is $250k for annuities). —- My...
View ArticlePersonal Finance (Not Investing) • is a reverse mortgage appropriate here?
I don't have a lot of experience with reverse mortgages but she may not have enough equity for it to be a good option. Thats just my feeling.Any way to get rid of the car loan? How much equity in the...
View ArticleInvesting - Theory, News & General • Cliff Asness's latest thoughts
This acknowledged factor theory expert now offers an explanation for why factor investing hasn't worked to increase risk adjusted returns for 20 years and has massively underperformed one factor beta...
View ArticleInvesting - Theory, News & General • The New 60/40
I think you’re being too fancy, and are likely to underperform a dead simple 60/40 VTI/BND portfolio.Statistics: Posted by Normchad — Mon Sep 09, 2024 5:48 pm — Replies 1 — Views 37
View ArticlePersonal Consumer Issues • Moving to Colorado?
In the not too distant future there will be a mass migration towards the Upper Midwest (Great Lakes), Upstate New York, western PA and New England.Because the rest will be either too hot, too dry, or...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
Hello all,Just recently created my VCP, just stopping by to express my dissatisfaction at BoA (or is it VG's banking partners) that I can't add the account to pay my BoA CC, which is a big problem...
View ArticlePersonal Investments • Buying Agent - new RE Rules
I’m really curious about your last question. My default going forward is to look on my own with no buyers agent.Statistics: Posted by betablocker — Mon Sep 09, 2024 5:50 pm — Replies 1 — Views 58
View ArticlePersonal Investments • Variable Universal Life Questions and Advice
Thanks for the responses everyone, really appreciate it!! Stinky - a couple of follow up questions and comments:Presuming that you're a 33 year old male, non-smoker, in the "preferred" (that is,...
View ArticleInvesting - Theory, News & General • Total US bond market YES but...
Broadly speaking, the argument is that the default risk premium is not sufficiently compensated. Also, during some market crises (e.g. 2008), these bonds perform much worse than treasuries, and those...
View ArticlePersonal Investments • Married filing jointly- Roth vs Traditional IRA
Hello All,First of all thank you to this knowledgeable group for helping selflessly with valuable advice on important financial matters. My question is related to Roth IRA vs T IRA for my specific...
View ArticlePersonal Investments • Please help, not sure what I'm doing
Welcome to the forum!Usually your spouse is entitled to draw social security too based on your work record or alternatively their own. That would be an additional source of income for the both of you...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
I and my wife watched Faraway (trailer https://youtu.be/2stkk0yy0ao?si=X3q2F4z63RDiiX2c) and liked it. You need subtitles.Another one is Idiocracy (trailer...
View ArticlePersonal Consumer Issues • Clicking noise from the ceiling - similar to...
Thanks all for responding.Statistics: Posted by worthit — Mon Sep 09, 2024 5:51 pm — Replies 19 — Views 2433
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