Personal Finance (Not Investing) • Did Your Money Really Double Every 7 Years?
I started my job as an RN in 2001 at the age of 20 and have kept track to some degree since 2002. This is wealth excluding my bank accounts early on and does not include my house at all.End of 2002:...
View ArticlePersonal Finance (Not Investing) • Selling Estate House to Sibling, Less than...
His estate is to be divided equally Plus it is what my father would have wanted.Aren't the 2 statements above contradictory? if your Dad wanted to direct the house to your sister with her getting more...
View ArticlePersonal Consumer Issues • Honda Accord vs Tesla model 3
If you got to leave somewhere but your car is trickle charging, that's an issue. Just get one of the Accords, you can't go wrong. You would be spending a whole thousand bucks a year for gas, is that's...
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Personal Finance (Not Investing) • Who has (or had) a Fear of Retiring?
Some of it is a fear of not having a paycheck and switching into decumulation mode. It's a mental adjustment even if your finances look solid. I retired last summer at 65, and although I had some...
View ArticlePersonal Investments • What Should I Invest In? Bank Investment Plans or On...
Sometimes when a customer can't quite decide what they want, I give them a design and let them tell me the ways it's not what they want.So, a design:100 in 52-week T-bills. (Assuming you don't need to...
View ArticlePersonal Consumer Issues • Installed a new water heater. Now getting some...
Where I live, replacing a gas water heater requires a plumbing license, city permit and city inspection, and venting must be added or modified to meet current code. Not a DIY project.Statistics:...
View ArticlePersonal Investments • Suggestion on withdrawals (TIPS vs dividends vs VPW)
They are currently at a 70/30 equities/FI+cash position which is perfectly reasonable for their age and plans (given the risk they are taking on the human capital front I'm not sure suggesting they...
View ArticleInvesting - Theory, News & General • Rebalance with Every Inflow vs....
Go with option 1.Keeping it simple will ensure it's a plan you can follow for the long term.Statistics: Posted by makeitcount — Wed May 15, 2024 4:45 pm — Replies 5 — Views 434
View ArticlePersonal Investments • Paying Down Principle vs Keeping the money in Money...
I would never pay off a 2.625% loan.+1 My mortgage is 2.7%, and, while it would feel good to pay it off, I have no rational reason to do so.Statistics: Posted by cdc — Wed May 15, 2024 4:45 pm —...
View ArticleInvesting - Theory, News & General • Vanguard Preparing to Tap Former...
Is that an argument for "blind deference to leadership or walk"?Why is transparency desired at any institution, public or private?You are offering up non sequiturs.The bottom line is as I stated. If...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
My question relates to bonuses of additional incoming transfers at brokerages mentioned in this thread. Using hypothetical numbers. Suppose brokerage A will match brokerage B's bonus offer on an...
View ArticlePersonal Consumer Issues • Possible Future Drainage issue
it might just be that all the soil that is covering it is "loose" now, since they were doing construction there. It's possible that over time, the soil will compact, and it won't be able to hold as...
View ArticlePersonal Finance (Not Investing) • Swimming in CC Debt - Unemployed come July
This is a good time to do some self assessment regarding your future. The pathway for a 28 year old may be quite different from that of a 58 year old.If younger, consider retraining to another viable...
View ArticlePersonal Finance (Not Investing) • Rescinding a real estate purchase due to...
Just to note: “meets code” in single-family houses generally means compliant to code requirements at time work was done. Doesn’t mean house must meet all current code requirements; nearly all...
View ArticlePersonal Finance (Not Investing) • Prenup in a Community Property State
How would you support yourself if you cant find a job that pays enough to support your lifestyle?I'm more or less at my minimum FIRE number today. Child support would be on the table if we were to...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
by 1. not knowing their own policies/promotions and 2. not paying attention to actual details of what's being asked and just guessing on assumptions they are wasting both their clients' time and their...
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Personal Finance (Not Investing) • Share your retirement cash flow plan
53/54 currently.Wife currently only working 10-15 hours per week. Take home $6k/month combined.Plan at 55/56 - Kids 1 and 2 fully launched. Kid 3 enters college (college funds in place), downsize home...
View ArticlePersonal Consumer Issues • EV Charging Station at Home
I would like to say that just because you have an EV that you must charge at home. Quite the contrary. I only charge at the Tesla Superchargers (and very occasionally at Costco and other places). I...
View ArticlePersonal Investments • Critique my portfolio (please)
It would be more tax efficient to not have interest paying investments in your taxable account.Correct.I understand that logic and reasoning. To what asset or investment are you referring? What...
View ArticlePersonal Investments • 64 YO, advisor recomends 70/30 AA
We are early 60/early 50s and stay around 85/15 give or take. I feel pretty comfortable with that. Everyone has a different risk tolerance. We also still have an income, plus SS coming up soon which...
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