Personal Finance (Not Investing) • Using HELOC to help daughter purchase...
We plan to gift funds to our two adult children to help with home purchases when the time comes.However, that will come from money that we’ve already saved.We would not take on debt to do...
View ArticlePersonal Investments • HSA Bank Eliminating Schwab Investing Option
Thanks, 534Bc. Is there any issues with Fidelity for medical reimbursement in retirement? Can he also transfer all cash out from hsabank to fidelity if he retired? He is going to retire in later...
View ArticlePersonal Consumer Issues • "Someone tried to log into your account"...
All they guessed is the username.Or it’s a financial aggregator trying to log in. If OP has any accounts linked to other websites that would do it. I’d still change passwords just to be safe.I wonder...
View ArticlePersonal Investments • Sell I-Bonds now or hold?
I purchased I-Bonds in April of 2022. Maturity 5 years after purchase would be April of 2027.Current rates are 3.11%....Seems like a no brainer to sell and invest into my AA. I have Emergency funds in...
View ArticlePersonal Finance (Not Investing) • Business Tax Expenses just to get write offs
My accountant always told me that your better off with the income rather than the tax write off until you're in the 100% tax bracket.Statistics: Posted by LifeIsGood — Sun Dec 01, 2024 5:08 am —...
View ArticlePersonal Consumer Issues • Repair or Replace 2012 Camry? Need advice!
Don't let the 2,000 miles throw you. Driving short distances, especially if its stop and go, takes a toll on a vehicle.Statistics: Posted by Mr. Rumples — Sun Dec 01, 2024 5:21 am — Replies 38 — Views...
View ArticlePersonal Consumer Issues • GoogleFi cell service on iPhone? (2024)
I haven't experienced the foreign country use rule myself, but many others report that it is enforced. I don't travel that much, but I use Google Voice, and just prepay data service when I travel....
View ArticleInvesting - Theory, News & General • Shiller PE now near 37 - 3rd highest...
KlangFool: 3) If the stock market is too high, I will not be buying stock.So, is the stock market too high?Statistics: Posted by Godot — Sun Dec 01, 2024 5:29 am — Replies 323 — Views 30180
View ArticleInvesting - Theory, News & General • Impossible to send secure message to...
Thanks for your replies. The scrolling problem in Portfolio Manager seems to have disappeared. However, the "Upload Documents" button in Messages has also disappeared, meaning that the only way for me...
View ArticlePersonal Finance (Not Investing) • What is a simple way to think about bonds?
I personally don't think much about bonds; while the corporate default rate average is about 1.5%; in the 1870's it was over 30% and in the Great Depression it was over 12%. While the federal...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
I was wondering about the privacy aspect of U.S. Bank, so I compared their U.S. Bank Consumer Privacy Pledge to Bank of America's U.S. Consumer Privacy Notice.Interestingly, U.S. Bank claims the same...
View ArticlePersonal Investments • Take some money off the table?
but don't confuse information with knowledge. having information means you're not ignorant, but it doesn't translate into better investing. Information is quickly priced in before you can act/profit...
View ArticlePersonal Investments • 30 Y/O, thinking of adding fixed income
Thanks to regular saving and market’s run-up as of late, I am a bit over $2.1m. This is invested in mostly VTI or equivalent, with ~$300k in AAPL. $1.5m in brokerage, $600k in 401k, Roth, HSA. I am 30...
View ArticleInvesting - Theory, News & General • Thoughts on Bill Bengen "free...
I have done a couple of things in recent years, the result of which have made me sleep pretty well at night and think a lot less about these things. At 51, my loose plan from here:1) Continue working...
View ArticlePersonal Finance (Not Investing) • Emergency Savings vs Finance Payoff Question
Re: your emergency fund covering 2-1/2 years of expenses - how much is this in $ and what is the interest rate? If laid off, are you and your spouse eligible for severance and/or unemployment...
View ArticlePersonal Investments • Structure Rental Property Investment
If he's unable to obtain a traditional mortgage on the new property you could write him a personal mortgage for it. Another option would be to help him obtain a HELOC on the current house to use as a...
View ArticlePersonal Investments • [Fear of risk of future political and economic...
Isn't truly the issue with inflation that it hit stocks in the short term but then helps in the longer term?So, yes equities are the best way to deal with inflation but the change in inflation may...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth - How to transfer money from...
When I rolled over my Vanguard IRA into my Fidelity Solo 401k a few years ago, Fidelity instructed me to use a two-step process:1. Set up a Fidelity IRA account to transfer in the Vanguard IRA. The...
View ArticleInvesting - Theory, News & General • SIPC - running out of brokerages to...
thanks that's really helpful.i think i see now why vanguard doesn't want to disclose details on the excess insurance coverage above SIPC. It would actually be somewhat confusing to their average...
View ArticlePersonal Consumer Issues • Whole house humidifiers (e.g. Aprilaire) and hard...
I have an Aprilaire 700 and like some of the other models mentioned, it uses hot water to saturate a pad. The excess water runs into the condensate pump and is then pumped outside. The problem in the...
View Article