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Personal Finance (Not Investing) • Homeowners Insurance
In 2021, our rate was $6k per year and filed a claim for a new roof due to hail damage that cost $57k. A hail resistant roof was installed and as a result our premium was lowered to $4,700. Since...
View ArticleInvesting - Theory, News & General • Vanguard 'all in one' funds now tilt...
large investment firms have large staff, that cover the landscape of investment choices. if you have international equities guys covering international equities, then you are going stuff international...
View ArticlePersonal Consumer Issues • Dental - large expenses
My family is seriously slammed with large dental issues.Adult daughter needs extensive periodontal grafts on many teeth, original estimate was 18k, we got it down some by consolidating processes, and...
View ArticlePersonal Finance (Not Investing) • Non-Governmental 457b - Risky? - Do You...
I contributed to my 457b plan for the last 14 years of work. Last 10 years I contributed all of my employer salary after health insurance FICA and Medicare tax, health and dental insurance, and 401k...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
“It’s a Mad, Mad, Mad, Mad World” (1963)I saw the movie in 1963 at a movie theater in Philadelphia. Went there with my two sisters and brother-in-law after having lunch at a restaurant near the...
View ArticlePersonal Consumer Issues • What are you listening to now
Is that Steve Marriott on keyboards? Never knew he played keyboards in addition to guitar.Steve plays keyboards on just the first song “Happiness Stan”, and electric and acoustic guitars on the other...
View ArticlePersonal Consumer Issues • Major Medical Debt - What can I do? I am so worried!
Many major insurance companies are refusing to cover Vitamin D tests unless you have a narrow range of specific diagnoses (this has been true for at least a decade, as far as my knowledge goes). Based...
View ArticlePersonal Consumer Issues • Need tires - is $250 tire really better than $140...
It really depends on the specific tires and what your goals are. The $140 tire is unlikely to be the best option regardless of your answers (unless minimal cost is the ONLY thing that matters); but...
View ArticlePersonal Finance (Not Investing) • What am I failing to consider on drawing...
Thanks for the reply's. I'm a single man so the surviving spouse does not come into play. An additional factor is my burn rate would be far more manageable should I take ss now.Might that be a...
View ArticlePersonal Consumer Issues • Exercise balls as chairs
I don't sit for long periods of time at a desk so I've never owned an office chair. Rather, I use whatever chair is available.But the current chair has seen better days and the use of exercise balls...
View ArticlePersonal Investments • Most efficient/ideal way to rebalance in tax...
What is the most efficient way to rebalance a retirement tax advantaged account with a 2 fund portfolio?1. First question is are mutual funds better or etfs better and if so, why? 2. After determining...
View ArticlePersonal Investments • Question about 61-day dividend and wash sale timing
To completely avoid a wash sale, you need to sell lot 3 first, then lot 2 and then lot 1. If you sell lot 1 or 2 before lot 3 and before May 20, you will have a wash sale. If you sell lot 3 and then...
View ArticleInvesting - Theory, News & General • Does E*TRADE allow withdrawing to a...
Yes, the 60 day rule is to prevent ACH reversals. After that you can send it to a different account.I think they still have $100k ACH limit, but you can do an ACATS transfer if you want to switch...
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Personal Consumer Issues • How can I improve my handwriting?
This was last year. Now, devolving exponentially,.Your capital T and D! The incremental drama of your lower case f...I want to see your old capital Z. If you could make that look good...I'm sorry....
View ArticleInvesting - Theory, News & General • USA Today: Annuities are key to...
To take the comparisons above a step further, let us include the LifeX TIPS Mutual Funds (which include CPI inflation adjustments and longevity pooling after Age 80). The ideal time to buy such a...
View ArticlePersonal Investments • How do I legally reduce my withholding to zero?
I would like to skip withholding completely and make quarterly estimated payments instead, so that I can put as much as possible from each paycheck into ESPP/MBDR (I have large cash reserves, and...
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Investing - Theory, News & General • What service(s) does E*TRADE use to...
Thanks, that makes sense. Appreciate your help!!! <3 <3 <3I've been denied for things in the past for no apparent reason, and I worry it's because of whatever garbage data Equifax may have....
View ArticlePersonal Investments • Worried about vanguard
.This was a really informative and interesting post. Thank you.Same here, thank you!Statistics: Posted by Mando19 — Sun May 05, 2024 9:12 pm — Replies 93 — Views 9065
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Personal Investments • Yet Another "Pay Down Mortgage or Invest"...
My projected tax rate in retirement is considerably lower than it is nowI will seriously question that assumption first. Thank you, and yes, that is something I need to question.The Simple method for...
View ArticlePersonal Consumer Issues • Dealing with being disturbed by someone else's dog
So a long way of asking is this an isolated issue -- just these two dogs -- or do other dogs ever come on to your property?No, there have been several dogs in my back yard. The neighbor's dog...
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