Personal Consumer Issues • What frugal thing did you do today?
Bought a new overcoat at a local department store at full price and the next day they launched a 20% off sale. Went back for a price adjustment.Statistics: Posted by Picasso — Fri Nov 29, 2024 5:49 am...
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Personal Finance (Not Investing) • Seeking Advice - Dad buying a first car...
As a 'fix-it,' rural first responder for 40+ yrs, I use very different criteria for 1 st car for girls vs guys.Safety and dependability being top priority.At the time.... Rural trauma Dr / mentor...
View ArticlePersonal Investments • Portfolio Plan Check
Go with the term insurance. Also how guaranteed are those pensions? A lot of things can change over the next 40-50 years. Companies do go bankrupt.I’ve considered that but let’s assume i’m not...
View ArticlePersonal Consumer Issues • What’s the deal with turntables?
Some people think it’s fun! Just like some people like tinkering with old computers or playing old video games. The best part about vinyl is the giant cover art that is much larger than you’d get on a...
View ArticlePersonal Investments • IRMAA
If you have flexibility on when you take income, you could try bunching it so that one year, you're in Tier 1 and the next in Tier 0. The Tier 1 range is large enough that you don't seem to be in...
View ArticlePersonal Consumer Issues • AO Smith hybrid heat pump water heaters?
Great idea, but too complex causing many early failures.If the regulators thing this is such a good idea, they need to add to the regulations expected life expectancy of at least 10 years. Having...
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Investing - Theory, News & General • International (Non-US) versus US...
I don't know if it's just me; but I feel that the last few dozen pages were almost entirely circular repetitions of what was said on the first few dozen pages of this thread, lol It's not just you....
View ArticleInvesting - Theory, News & General • Fidelity International Bond Index:...
Trying to figure out the country exposure of this fund- FBIIX.https://fundresearch.fidelity.com/mutua ... /31635T732Fidelity lists the top 5 issuers = 34.87% of portfolio as:CHINA PEOPLES REPUBLIC...
View ArticleInvesting - Theory, News & General • Macroeconimc Entropy and Central...
An Observation Regarding Keynesian EconomicsDebt and business cycles happen, boom and bust phases exist in most economies throughout history. It really is not predictable when the booms or busts...
View ArticleInvesting - Theory, News & General • Can you do better than BND?
Risk must be assessed at the portfolio level, not at the individual asset level.Why is that? If the goal of fixed income is to calm people's nerves, then their role is to comfort people when stocks...
View ArticleInvesting - Theory, News & General • What motivated you to save money?
What motivated you to save money? Freedom is my common theme. When I was a kid in the 60’s, the youngest in a family of 6 kids, we had what we needed (dad had good gov job). But there was never any...
View ArticleNon-US Investing • ISA advice for novice
This topic is now in the Non-US Investing forum.Statistics: Posted by oldcomputerguy — Sat Nov 30, 2024 4:24 am — Replies 1 — Views 71
View ArticlePersonal Investments • Move all Wellington shares to Total Stock Market Index?
Agree with the consensus that Wellington doesn't belong in taxable given your tax rate. Convert that fund to Total Stock Market Index per your post a good idea upon a trajectory to minimize tax...
View ArticleInvesting - Theory, News & General • U.S. stock market valuations
Personal finance is personal, so I'm going to answer based on my personal situation. Someone somewhere said something like set your asset allocation based on your ability, willingness, and need to...
View ArticlePersonal Consumer Issues • TurboTax 2024 software offer
It always amazes me that presumably well to do people go to such great lengths and obsession to try and save $10 or $20 on their favorite tax software every year. Perhaps someone can put forth a...
View ArticlePersonal Consumer Issues • What Are Your Favorite Podcasts? And Why?
“Your money, your wealth” podcast is informative and fun. A cpa and cfp take questions and provide “spitballs”Statistics: Posted by Mr. Benedictine — Sat Nov 30, 2024 5:21 am — Replies 53 — Views 3113
View ArticlePersonal Investments • Portfolio review - Am I on track? Using HYS as part of...
International used to be 20% of my equity, but i moved out of it do to performance. Might be time time to revisit this.I also have 20% in Intl. While I understand the performance bit, the way I think...
View ArticleInvesting - Theory, News & General • Anyone notice the use of short term...
My investment plan calls for a certain % of asset allocation to TIPS, which way back when meant the standard TIPS index fund (say duration 6.6 years) - I guess we would call that intermediate term?...
View ArticlePersonal Investments • Leave Schwab for Fidelity / Vanguard?
I have had accounts at all 3 for over 10 years. Vanguard used to be the biggest account and now is the smallest. Every account is a little different and has slightly different features, benefits and...
View ArticlePersonal Finance (Not Investing) • Should I report this accident?
1)We have had similar situations (USAA, Washington state) and our premiums didn't go up (any more than the rate of inflation).2)A standard answer to 'should I tell my insurance company about ...':...
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