Investing - Theory, News & General • I own my own home. That must affect...
It should, but indirectly, as it will impact your risk aversion.Risk aversion is the fundamental factor that determines your entire portfolio allocation. When you mention that you want to go for a...
View ArticleNon-US Investing • Hold onto the buy-to-let or sale and invest in index fund?
powerful arguments there, thank you. gearing / leverage : £350K 2 bedroom house. 25% deposit = 87,500. Mortgage at 5% interest x 25 years : £1500 per month. Rent is around the same. Ignoring other...
View ArticlePersonal Consumer Issues • Tesla Model 3 Is The New Toyota Camry?
One thing I'll add is that this is an extremely fast car, with a zero to 60 time of roughly 5 seconds. For context, that's quicker than any of the fabled American muscle cars of the late '60s/early...
View ArticlePersonal Finance (Not Investing) • Medigap or Medicare Advantage?
In a broad sense. yes they are supplements but act differently. Yes. My point was that historically, both were called supplementary insurance, so that the best way to communicate the name of the...
View ArticlePersonal Finance (Not Investing) • Bank of America promo: extra 2%/2x credit...
I spent 40 minutes on the phone with BoA regarding 2 transaction done on 11/7 with a date/time stamped email from the business confirming the payment but both showed as 11/8 for transaction and...
View ArticlePersonal Finance (Not Investing) • Rutting Season=Totaled Car [Hit by a deer]
You are assuming that cycles and timing will be in a way that will be predictable. This is timing which would contradict Boglehead thinking.Statistics: Posted by ReadyOrNot — Fri Nov 22, 2024 4:36 am...
View ArticlePersonal Investments • Question on TIPS pricing- Fidelity- Quicken
Another question on how to interpret the data, and best enter it into quickenJust purchased $4,000 of UNITED STATES TREAS NTS SER D-2034 1.87500% 07/15/2034 CUSIP 91282CLE9Pricing info provided by...
View ArticlePersonal Investments • Widowed mother-in-law was sold a non-qualified...
It was purchased Oct '09. The most recent report she has is from Aug '23 (I've of course asked her to get a current version) shows a roughly $3,600 surrender charge ($175k contract value, $171k...
View ArticlePersonal Investments • ACATS Fraud - must call Vanguard to Lock Down your...
Can anyone confirm that Vanguard notifies you when an ACATS has been initiated from another firm?If so, by what method...message, email, text, USPS etc.?Statistics: Posted by rossington — Fri Nov 22,...
View ArticlePersonal Investments • Pause Plan to Add International
So you are assuming the cycles and timing will be in a way you can predict? That is the kind of timing Bogleheds don't believe in.Statistics: Posted by ReadyOrNot — Fri Nov 22, 2024 4:55 am — Replies...
View ArticlePersonal Consumer Issues • Mattress question: Any experience with...
This reminds me... there was a hotel in California that had what we both thought was The Best Mattress.Do you think that might have been the Heavenly Bed from Westin?We had that once in a hotel in...
View ArticlePersonal Finance (Not Investing) • [How much to leave in trad IRA for future...
That said, I fail to see how inheriting a $1.8m IRA is a “problem”??Your heir is not going to inherit a $1.8m IRA, but the value it is when you die. If it grows at 6% per year, it will double in 12...
View ArticleNon-US Investing • FIREd US citizen moving to UK - preparing
So whereas you say the tax is egregious, LSE academics say to not have one "incentivises successful businesspeople to emigrate to save tax".If it stopped at taxing as-yet unrealised capital gains, I...
View ArticlePersonal Finance (Not Investing) • United American Medigap G-HD Unresponsive
Yes, I am suggesting that it is hard to find an unbiased broker but I think you can still get good service. It takes maybe 10 minutes for them to get you signed up and after that you will probably...
View ArticlePersonal Investments • Security and Voice Recognition
How does the enhanced security password work. Do you have unique password you give them when you call in?When you call in, they should ask for the phone password if you have established it. If you...
View ArticlePersonal Consumer Issues • Christmas in San Diego
For Christmas dinner, I'd suggest trying Hotel del Coronado if you’re looking for something with a lot of holiday charm—great atmosphere, and the food is solid. We did a family dinner there a few...
View ArticleNon-US Investing • 70yr old retirement portfolio composition
For your parents' situation, I'd suggest a mix of stocks and safer investments. The 25% in something like VWRP could be a good fit if they’re okay with some risk, but I'd also consider a portion of...
View ArticlePersonal Investments • State Taxes and Roth Conversions in high income situation
Yes, I paid 24% on the half-priced shares being converted (as I originally said). I ended up with the same result as if I had converted and paid 12% taxes when the shares were full price.Is this ok...
View ArticlePersonal Finance (Not Investing) • Put down payment money into s&p 500?
I was going to add to the chain of admonishments above, but then remembered I did exactly this.Whether it was smart or lucky, who knows.The point s that you need luck on your side. If unlucky, the...
View ArticleNon-US Investing • Investment Policy for move to Poland
I avoid lifestrategy funds because I would hate to have a lifestrategy fund in drawdown phase, because I would sell equity and bonds at the same time, and if equity crashes, then that's NOT what I...
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