Personal Finance (Not Investing) • net worth survey
We have an ongoing discussion. See: Share your net worth progression(Thread locked to redirect the discussion.)Statistics: Posted by LadyGeek — Wed Sep 11, 2024 6:13 pm — Replies 3 — Views 588
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
you can hold 100k VTI. Just like I do for preferred rewards at BOA currently. Fee Schedule for a brokerage account is not great though. https://www.usbank.com/investing/online ... -fees.htmlDoes it...
View ArticleInvesting - Theory, News & General • Are NTSX & NTSI the Best...
As prioritarian pointed out, NTSX is holding bond futures of multiple durations. For that reason, it may not be interchangeable with VOO/EDV depending on your time horizon.Correct. The idea is that we...
View ArticlePersonal Investments • TIPS and CPI
So how does tipsladder handle this inflation component? (because it's obviously unknown)For example 2040, 912810QF8 × 15 = $22,871 purchase cost; $21,813 Principal, $3,449 Interest Total income =...
View ArticlePersonal Investments • Pulling 20K out of my IRA for 1 month for house closing
We just did exactly as OP is suggesting. Much larger amount.(With CSB.)Worked very smoothly.Upon repayment to IRA, needed special help from CSB Rep. Need to be cautious it is not labeled as an IRA...
View ArticlePersonal Investments • 529 contribution and gift tax question
Had a question pop up based on another 529 thread. Wife is the owner of an Illinois 529 account for benefit of one of our kids. She contributed IL max state income tax deduction amount of $20K in...
View ArticlePersonal Consumer Issues • Travel Health Insurance for UK Trip
GeoBlue. 12 days, $500 deductible for two 40 year olds is $70.00, includes evacuation and covers pre-existing conditions.That’s what I signed up for when I traveled to the UK this summer. It was under...
View ArticlePersonal Finance (Not Investing) • When to pull the plug - OMYing [One More...
It’s only money. Someone I’ve known my entire life said to me yesterday that there’s much more stress on having a lot of money when you’re old that most people would think.That's why my IPS has a...
View ArticlePersonal Consumer Issues • First car for a new driver
The first car for a new driver needs to be a vehicle to learn with and on. There are a lot of criteria it should meet including:Low in value in the event its damagedRelatively old for insurance...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
Does anyone know - is that part about no annuity going bust true?That is not true. Companies that primarily write annuities have gone bust in the past. I’ll give a few examples. The first examples go...
View ArticlePersonal Finance (Not Investing) • New Wells Fargo One Key mastercard offer
Points expire if you have not booked anything on Expedia in 18 months. This is the biggest drawback to the programHello,are you certain about this? According to Forbes and NerdWallet, points remain...
View ArticlePersonal Investments • Selling spec-id fractional shares on vanguard brokerage
Hi all, possible Vanguard brokerage bug related to selling fractional ETF shares with spec id Let’s say I have two lots of VTI each 1.250 shares. I enter the “sell ETF” transaction. I need to enter...
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Personal Investments • T-Bill or not to T-Bill
My esteemed listmates,I've read that T-Bills may have this trajectory...Below 4.5% in March 2025Below 4.25% in July 2025Below 4% in October 2025.There are no penalties for selling early but one should...
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Personal Investments • Is it time to roll my 401K into an IRA?
Thank you all. To respond to some of the comments, this plan does not allow Roth conversions, nor partial rollovers - only complete rollovers and/or four partial distributions per year. If I do choose...
View ArticlePersonal Consumer Issues • Yet another crawl space humidity question
I'm not going to go as far as saying 80% RH in the crawlspace is no concern, but it is a level where I would not expect the wood moisture content to reach a level where mold or rot should occur. Since...
View ArticlePersonal Consumer Issues • [What UN-frugal thing do you do? What do you...
An extended warranty for new car tires. The reason I got the new tires is due to a driving error that resulted in me damaging my tire (minor issue, no accident or anyone injured). A long time ago, I...
View ArticleInvesting - Theory, News & General • TOTP Protected by Pin/Biometrics Now...
Fidelity is now supporting open-TOTP apps as an alternative to Symantec VIP. This makes it possible to use a TOTP app that is protected with a pin or biometrics on a phone beyond just unlocking the...
View ArticlePersonal Investments • [49 years old] - $5M NW confused about Roth Conversion...
Sorry if I missed this in a previous post, but regarding the IRA and conversions...I assumed that any conversion suggestion was simply related to "backdoor" possibilities, rather than a suggestion to...
View ArticleInvesting - Theory, News & General • Bernstein article - Why Should You...
The other problem with this approach is how expensive it is up front to set it up to provides only a 1% - 2% real return based on current pricing. It costs 1 million dollars up front to guarantee an...
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Investing - Theory, News & General • Best book for 34 y o novice about...
Is there a better, and more readable, book to give a 34 y o novice investor as a primer on investing than The Investor's Manifesto by Bill Bernstein?If so, what book and why?A good "first" step."A...
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