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Investing - Theory, News & General • International (Non-US) versus US...
Surprisingly, the deepest drawdown in recent history (2007-2009) occurred from a starting P/E valuation in 2007 below the median!Statistics: Posted by comeinvest — Tue Nov 19, 2024 3:29 am — Replies...
View ArticleNon-US Investing • Bonds for pension
I live in Denmark, am 40 years old and expect to retire at 65-year-old.My pension savings are €135,000, and every year I add €13,000.My pension is currently invested in 100% stocks. Vanguard FTSE...
View ArticleNon-US Investing • FIREd US citizen moving to UK - preparing
I plan on keeping a US address (relative or virtual mailbox) for my Vanguard investing purposes - pitfalls here?I've been an expat for 2 decades at this point and I think most people are better served...
View ArticlePersonal Finance (Not Investing) • Medicare enrollment mechanics
Your timing as described appears to be off unless that was a typo. If the end of your Initial Enrollment Period (IEP) is truly August 2025, that means your birthday is in May 2025, so your IEP is...
View ArticlePersonal Finance (Not Investing) • Moving abroad - Sell or rent home in US
First question - is there any assistance being provided by your employer for all of this and, if so, are there any strings that come with it?I ask because we did a 2 year expat assignment in Germany...
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Personal Consumer Issues • Tesla Model 3 Is The New Toyota Camry?
It honestly gets tiring hearing the unsolicited negative comments that any conversation on Tesla inevitably generates.Regarding build quality, most of our other cars have been Volvos, Mercedes, Audis,...
View ArticlePersonal Consumer Issues • Ordering a Toyota...How does it work?
While I've been a big fan of Toyota in the past, I'm staying away from Toyota at this point because I do not believe I'm getting what I am paying for from their vehicles right now at MSRP. And there...
View ArticlePersonal Finance (Not Investing) • Retirement Strategy
Thoughts on this? I suppose it means prioritize SEPP and then spending from TIRA after 59.5—If you want to pass on wealth to your kids and your spouse doesn't need your money, I would consider...
View ArticlePersonal Consumer Issues • Aging in Place: Yard: From lawn to pollinator...
As one looking to downsize to perhaps a condo with HOA, what percentage of the US HOAs take this position of not letting lawn go brown or consider a brown lawn not "maintained"?I am not the poster you...
View ArticlePersonal Finance (Not Investing) • IUL policy for long-term care insurance...
I’m not at all excited about having mom spend $3,720 per year, about 10% of her gross income, on an IUL policy. The link that you provided shows that the policy has only “some cash value growth...
View ArticlePersonal Investments • Company 401k and pension - what to do next?
Others might have better suggestions depending on whether you are planning to be employed elsewhere, pursuing self employment, retiring, or if your health concern meets eligibility for disability...
View ArticlePersonal Investments • Treasury Direct - The Eternal Wait and No Way To Track...
Thanks for this thread. I was considering trying to transfer some bonds from an entity account to my personal account, which would require filling out and mailing paper forms. But based on what I'm...
View ArticleInvesting - Theory, News & General • Monte Carlo suggests 100% stocks for...
Yes, what you see is correct. And you can test this with additional monte carlo modeling and also through backtesting. If you have a porfolio sufficiently large that you can use a low withdrawal rate...
View ArticleNon-US Investing • S&P 500 Full vs Swap vs Active Fund
I would never buy a synthetic/swap ETF because doing so would violate a basic rule I follow, and that I'm sure jack Bogle followed: If a product is so internally complicated that the only people who...
View ArticlePersonal Finance (Not Investing) • Use Roth for bridge loan
Glad it worked out. I did exactly this Roth withdrawal to buy a house this year. Took out 200K and saved couple grand in HELOC interest but lost out on about 15K in stock market gains I vti as market...
View ArticlePersonal Finance (Not Investing) • Home for parents — Take from savings or...
Parents can sell the 4 plots worth 30k euro each. That gets them 120k euro. Let's assume nets less after sale and call that 100k euro. You can help them do this if they want it. That 100k euro gets...
View ArticlePersonal Consumer Issues • Need electrical grounding/bonding advice
Means the hot and neutral connections were reversed.Neutral is essentially a ground. Indeed, ground and neutral need to be bonded together exactly once in a structure/property. Due to ohms law, you...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
I was planning to do backdoor Roth at fidelity next Jan, does anyone know if this hold applies to balances transferred from your CMA account to tIRA? I wouldn’t want a 16 day hold before I could do...
View ArticlePersonal Finance (Not Investing) • United American Medigap G-HD Unresponsive
Do you use a call blocking service to try and reduce spam phone calls? If so, it could be that the number they are calling from is getting blocked.I do not. There is nothing on my end that would stop...
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Investing - Theory, News & General • I own my own home. That must affect...
Thank you everybody for your help. I'm still unsure how to determine the total amount out of which I'm building my three-fund portfolio.But I’ve been sitting for a while staring at a spreadsheet of...
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