Personal Consumer Issues • What Book Are You Currently Reading? Part VI
“Warren Buffett and the Interpretation of Financial Statements”, by David Clark & Mary BuffettStatistics: Posted by Chv396 — Mon May 06, 2024 9:31 pm — Replies 7769 — Views 1771929
View ArticlePersonal Consumer Issues • New Electric Panel? What Manufacturer for a 200...
A Square D QO panel is clearly the best in my opinion.I'm a retired electrical engineer who's wired his own house and others (all passed code easily), Other panels might be cheaper, but none are as...
View ArticlePersonal Investments • Higher Fees or Less Diversification
Welcome to the forum!It isn't worth paying 0.72% for the diversification benefit of small-caps; this will reduce your expected return, and won't really do much for risk reduction since US small-caps...
View ArticlePersonal Finance (Not Investing) • Road trip to Finger Lakes
Do note that Watkins Glen’s main hiking Trail, the gorge trail, may be closed for repairs. Consider hiking into Taughannock Falls lower level as an (inferior but still pretty) alternate.Yes, Corning...
View ArticlePersonal Investments • Half Financial Advisor / Half Self Directed? - 10.9%...
Fees are 0.75% annually.The 10.9% is just the number I get when I go to my portal and drop down the "performance" menuStatistics: Posted by Front Toward Enemy — Tue May 07, 2024 9:37 pm — Replies 4 —...
View ArticlePersonal Investments • Back with my Complex Portfolio with High Expenses
As of 5/1, it would be $169k in gains for anything with Expense ratio > .5%. Probably more now due to the rally in the last week, and some might be short-term - Fidelity doesn't show the break-out...
View ArticlePersonal Investments • my experience so far setting up Fidelity CMA
Last Friday (I think) I opened a Fidelity CMA. I already had my Roth and a rollover tIRA with them. For years I've been maintaining a HYSA and a checking accout at Ally, plus a local checking account...
View ArticlePersonal Finance (Not Investing) • Protecting assets for potential nursing...
I’m sorry about your situation.You need to meet with an experienced elder law attorney in your state to find out what your best options are. This is not a “do it yourself” situation.Best of luck to...
View ArticlePersonal Investments • Bond allocation in taxable accounts
I still hold all three CA funds in year 5 of early retirement, even though I am now in a minuscule tax bracket. I use a hybrid withdrawal plan that keeps me at the 0% tax rate for my qualified...
View ArticlePersonal Finance (Not Investing) • Is it safe to teach math to neighborhood...
A friend of mine had a nut job of a parent make up a story about my friend doing inappropriate things to their kid. They basically tried to extort money from my friend.There wasn't a shred of evidence...
View ArticlePersonal Finance (Not Investing) • IRA Pro Rata Calculation Question
The post-tax amount (basis) stays the same. So $30k is post-tax. Everything else ($125k - $30k = $95k) is pre-tax. So distributions and conversions are pro-rata on that ratio. I believe this is what...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
My wife has a bunch of cash sitting in VUSXX at E*Trade. TLDR we want to move it to Vanguard. Should I have her do the cash plus account or just standard brokerage? Will likely be set it and forget it...
View ArticleInvesting - Theory, News & General • Ken Fisher on passive investing
Pick Your Poison — It’s all about getting the biggest bang for your buck, isn’t it? CAGR/Standard Deviation (Jan. 1986-Apr 2024)Chevron: 11.91%/22.51JPMorgan Chase: 10.82%/31.79Vanguard 500 Stock...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
Are you all not concerned that the high yield APY options (money market funds) aren't FDIC insured?Wouldn't something like Wealthfront be better to use for cash/banking purposes?I think FDIC insurance...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
It’s cool for new buyers but a headwind for current owners (see: Homer’s post on exUS returns vs US starting in 2000)Here's the thing....The long-term returns from 2000 when valuations were at the...
View ArticlePersonal Consumer Issues • Dental - large expenses
I would be seriously getting another opinion. What is wrong with your DD that this is so extreme? I get the DW (being one with crap teeth myself). Is your dentist a stand alone professional or part of...
View ArticlePersonal Consumer Issues • Global Entry Application turnaround times?
I applied for renewal over 9 months ago. Still pending.Statistics: Posted by syngameon — Wed May 08, 2024 9:34 pm — Replies 59 — Views 8890
View ArticleInvesting - Theory, News & General • With interest rates this high are...
I expect NOTTING from market - if it choses to give +30% in a year - all is good. But, if it delivers -30% in a year - i/we will hide under a rock and bide our time.While we continue to do our day...
View ArticleUS Chapters • Has anyone heard from Mr. Larimore?
Ode to Mr. Larimore:Beneath the canopy of financial lore,Resides a sage of unwavering score,Taylor Larimore, wise beyond his years,Guiding through markets, beyond the fears.In Boston's arms, this...
View ArticlePersonal Consumer Issues • Value of 2nd full bathroom
So the basement shower has no toilet and sink? Just a shower? Is the basement finished?The basement is divided into 2 sides. The mechanical side (which oddly where the shower is) and the other side....
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