Personal Finance (Not Investing) • Comparing mortgage rates and terms?
We have a 30 year fixed mortgage at 5.99. We are two years into it and have paid it down 50%. With rates as high as they were, my plan was to just pay it off in 4-6 years or less. I got an email today...
View ArticlePersonal Finance (Not Investing) • (Military) Should I purchase Survivor...
If you're on the fence about SPB, remember that you have the option of insuring a lower base amount of pension instead of the maximum of retired pay. With the written consent of your spouse, you can...
View ArticlePersonal Consumer Issues • Suggestion about Costa Rica trip in Spring
Depending where in Costa Rica you can find many adventurous activities: hiking, birdwatching, surfing, swimming, bungie cord jumping, zip lining, cave exploring, waterfalls.We rented a car in...
View ArticlePersonal Finance (Not Investing) • How did you (or how would you) purchase...
My in-laws have a vacation home. It doesn't seem to be worth it financially at all. No matter how much they/we try to use it in a year, it would have been better just to rent the place for the limited...
View ArticlePersonal Investments • Holding 100% VTSAX
Happy Sunday!I’m new at investing and need some financial wisdom: I have a 401K with Fidelity, I recently changed the asset allocation from a Target Date Fund to a FXAIX (85%) and FXNAX (15%), looking...
View ArticlePersonal Investments • What is the Most % the Stock Market Could Drop?
Minus 43.1% sometime between 1926 and 2022.Statistics: Posted by steadyosmosis — Tue Sep 17, 2024 7:34 pm — Replies 15 — Views 478
View ArticleInvesting - Theory, News & General • Fidleity told me to up stock allocation
You don’t need an advisor. You are independently wealthy now. No way I listen to him. He’s dead wrong.Statistics: Posted by firebirdparts — Tue Sep 17, 2024 7:37 pm — Replies 28 — Views 1377
View ArticleInvesting - Theory, News & General • The New 60/40
I’d also love to include inflation linked securities but there aren’t any good non-advisor vehicles for that.??? If you want Long-Term TIPS there is the Pimco 15+ Year US TIPS ETF (LTPZ). For...
View ArticlePersonal Finance (Not Investing) • How To Lower Retirement Expenses
Figure out your base expenses. These are things you either have little control over or can’t reduce. For example: utilities, HOA, mortgage, insurance, medication, glasses, home and vehicle...
View ArticlePersonal Consumer Issues • Hotel recommendation (or at least what area) in DC
Check out the Econolodge in Arlington. It’s almost on top of the East Falls Church Metro. Falls Church City is one of the nicest in NOVA. You’ll pass Rosslyn, Clarendon and Ballston metro stops before...
View ArticlePersonal Investments • Leaving wealth manager->Tbills/CDs/MM?
Why do you hate bond funds so much? Because I invested (past tense) in bond funds thinking they would offer safety of the principal.WRONG! I lost $82k.Although, it recovered a bit since then, and now...
View ArticlePersonal Consumer Issues • Luggage where two bags can be handled as one
The Tach luggage seems to be exactly what I was looking for. I will probably give that a try.The Tachs did look pretty good - and not that expensive.If you try them, please report back!Statistics:...
View ArticlePersonal Finance (Not Investing) • Death of Spouse - - Some Unanticipated...
I'm sorry for your loss.THREE QUESTIONSSo consider a hundred jointly owned shares of a mutual fund or ETF with a cost basis of $100 per share and a total cost basis of ten thousand dollars. Suppose a...
View ArticlePersonal Investments • Portfolio advice for a 50 year old married couple
Both His 401(k) and Her TSP has excellent line up of funds. I don't see a reason to maintain a separate Rollover IRA. Why not consolidate and simplify the number of accounts?His rollover IRA -->...
View ArticlePersonal Investments • At what point do I really need a taxable account?
Thanks! That is my goal, to start a Roth once we can comfortably max 401K (this year, it’s a stretch but we’re learning to live on less take home pay, which is good). Then hopefully to start a taxable...
View ArticlePersonal Investments • Why is my employer using this new approach for selling...
When I said immediately, I assumed you were free to sell the shares once they vested and were deposited into your account. I didn't see anything in your OP that suggests you wouldn't be able to sell...
View ArticlePersonal Consumer Issues • Anyone Using Kanopy or Hoopla from their Library...
kanopy collection varies by library. I just added a second library to it today and the selections had minimal overlap. The library chooses the offerings based on cost and interest of patrons. One can...
View ArticlePersonal Consumer Issues • What is your favorite non fiction book?
Amongst my recent stack of books finished and absorbed.All below: Oxford University Press (available Amazon: hardcover.Implicit Psychology: An Introduction to Social Cognition 1st Editionby Daniel M....
View ArticleInvesting - Theory, News & General • Why stocks went down when Fed cut...
Ama, Welcome! I merged your thread into the ongoing discussion.Statistics: Posted by LadyGeek — Wed Sep 18, 2024 7:46 pm — Replies 37 — Views 2780
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
Is this for the cash to be available to withdraw, or for the cash to be able to trade? If the latter, that’s an issue. I have always “pulled” money into fidelity and then purchased ETFs almost...
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