Personal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
Your point is a good one, but along those lines, if the Visa fee were waived with a certain account balance, we'd still try to achieve that to maximize our savings there too. We're all trying to...
View ArticlePersonal Finance (Not Investing) • DINK - Life Insurance Assessment
While reviewing, I realized we may also have a gap in Long Term Disability I wanted to ask about as well.Our employers each provide LTD that covers up to 60% of salary max, which we both have. That...
View ArticleInvesting - Theory, News & General • Shiller PE now near 39 - 2nd highest...
CAPE was "invented" in 1988, 36 years ago, and even though I don't have a version of 1988 and of 2024 in front of me to compare, and the regression line probably changed a bit due to the additional...
View ArticlePersonal Finance (Not Investing) • $30k Vacation Home
Putting aside anything about real estate in Cambodia which I know nothing about, a vacation home that is a five hour drive means 1) it's not a weekender and 2) it's probably not worth it for 4 weeks...
View ArticlePersonal Finance (Not Investing) • UPDATE with outcome and figures - Amazing...
Yeah, I think this is a great deal either way, wonder what the math was on prepay vs. monthly at the different money factors. I've leased before, but my biggest hurdle with these 24 month leases is I...
View ArticlePersonal Consumer Issues • FYI: US passport online renewal
I'm no good at taking selfies. What are the instructions for taking your own photo yourself?I would probably prefer just going to Walgreens. I assume there are simple instructions for uploading such a...
View ArticlePersonal Investments • Help on leaving Ameriprise
Beyond “market value” and “value if surrendered”, does it also show “account value” (or something similar)? If so, what is the account value?Value of your contractBeginning value this year. 288kRider...
View ArticlePersonal Investments • Ed Jones Ugh! - Google sheets question
Just tracking these funds may not be as helpful as you think. There are costs to owning such funds such as front-end loads and taxes. For instance, suppose a fund in a taxable account pays a...
View ArticleInvesting - Theory, News & General • "Are Annuities a Better Fit for...
One major omission when comparing to bonds is that an annuity has no value to your heirs when you pass.Your observation is correct, assuming that the "annuity" replacing the bond allocation is a...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
The goal may be different for different people. Have a few accounts and actually they serve different purposes. For instance, Vanguard is easy to move money in and hold treasury fund (VUSXX) that find...
View ArticleInvesting - Theory, News & General • Thank You, Jonathan Clements!
Thank you, Mr. Clements. Your words helped me through challenges and I am grateful to you.Statistics: Posted by pennsylvania211 — Sun Dec 08, 2024 7:26 am — Replies 10 — Views 1386
View ArticlePersonal Investments • Direct Indexing/ Fidelity SMA etc.
An SMA is almost guaranteed to be a loser, the only way for the broker to show extra returns (esp if they're using a fund) is to take on extra risk. This is the part they leave out. That they set up...
View ArticlePersonal Investments • FAFSA / CSS end of year preparation in 2024
Hello all,I am hoping to collect either threads here or links elsewhere for advice on what investment actions one should take at the end of the year in preparation for the two year look back for FAFSA...
View ArticlePersonal Finance (Not Investing) • When is physical therapy tax deductible?
Because it seems that the PTs think that the bar for Medicare to pay for PT is higher than what I (and probably my mother's doctor) think it should be to consider it medically necessary. The PT is...
View ArticlePersonal Investments • Thoughts on bonds vs. cash
+1However, if one chooses to buy an actual commercial bonds over a fund, they add default risk to their holdings. By the nature to the pooling a fund does, this risk is de-minimis in a fund.I agree...
View ArticlePersonal Investments • 529 account investment estimation and college cost...
3-4% annually is a reasonable assumption for the inflation in college costs. However, I agree with previous comments that saving in a 529 based on the cost of Stanford is very likely to overshoot the...
View ArticlePersonal Finance (Not Investing) • Retirees, Is It Worth It?
However, a friend came to my office (possibly sent by the administration) and suggested I should not squander the younger years of my old age, meaning I should do whatever else is on my list while I...
View ArticleInvesting - Theory, News & General • S&P500 or S&P500 equal weight?
A comprehensive article on both sp500 and sp500 equal weight surprisingly shows that in the long term the equal weight is far superior. Given the present rotation out of the big 7, it seems that it is...
View ArticlePersonal Investments • Why the case against a Roth conversion gets stronger?
What about the risk of Roth assets or distributions being taxed directly/indirectly in the future? While I think that's highly unlikely, anything is possible, and it seems like that risk is never...
View ArticlePersonal Finance (Not Investing) • Rich, Broke or Dead? Post-Retirement FIRE...
Necroing this thread, because it seems like the most relevant one. I compared engaging-data.com and ficalc.app. In principle, they should be doing the same thing, using the same data and should...
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