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Personal Finance (Not Investing) • Serving as executor for a friend
Coincidentally, two friends have each recently expressed an intention to name me as the executor of their respective wills. One lives in NYC, where he owns a coop apartment, and the other lives in...
View ArticlePersonal Investments • Stuck on Short-Term Bond Funds
I’ve been keeping my bond fund holdings really short duration (~1-year average) ever since I started putting $ in bonds a few years back. It benefitted me during the recent bond downturn, but I know...
View ArticlePersonal Investments • 100% in stocks. 15 years to retirement. Too risky?
I got the following ridiculous looking numbers using the link. Inputs. Spending/yr: -225,000Savings: 2,450,000Retirement years: 15Stocks: 100%Output:Min: 4.3M10th pctl: 6.5M25th pctl: 8.4MMedian:...
View ArticlePersonal Investments • Annuitize Your TSP - Why or Why Not?
Have you considered using the L Income Fund which purports to focus on preservation? With a hefty allocation to the G Fund, and an equity allocation that is slowly gliding up to a maximum of 30%...
View ArticleInvesting - Theory, News & General • MSCI ACWI IMI ex USA ex China ex...
...I don't know if this Index will be used as the basis for a retail fund as well.I think it'd be great if BlackRock introduced an iShares ETF which tracked this new index with the same 0.06% expense...
View ArticlePersonal Finance (Not Investing) • I have too much house at 6.75%, but I...
Don’t forget that if mortgage rates drop you can refinance.Is this always true? Why would lenders always allow this?The company that is profiting from making the loan is no longer the company...
View ArticlePersonal Investments • Moved dad’s iBonds money into something else now?
So are you suggesting moving the $40k in ibonds into TIPS instead of say a CD, HYSA or MMF?Just presenting it as one option that you might want to consider. There's different tax and volatility issues...
View ArticlePersonal Consumer Issues • Getting rid of stuff
Don't throw it away for goodness sake. Donate it. Unless it really is garbage. Recycle if you can't give it away.Statistics: Posted by jfave33 — Tue May 28, 2024 6:57 pm — Replies 144 — Views 14124
View ArticlePersonal Finance (Not Investing) • When would the deductible be met
You wont get any bills until insurance has done its thing and accounted for your deductible and OOP max. Its usually about a 2 month delay. You dont actually have to make the payment before they will...
View ArticlePersonal Investments • How do I keep pre-marital 401k separate? (Prenup/Postnup)
EDIT:Based on comments, I decided to pursue a prenup. However, the family law attorney said I should do a post nup instead of a prenup. She says the reason is because the wedding is 5.5 weeks away,...
View ArticlePersonal Consumer Issues • Albuquerque 5 days
One thing people need to keep in mind in ABQ - its valley floor is about 5,000 feet, and the Sandias rise to about 10,000 feet. Add heat and hiking to that, and some people might be in trouble.ABQ...
View ArticlePersonal Consumer Issues • Unexpected hard credit inquiry
I just noticed two small ACH deposits to my checking account from public.com.Looks like someone is trying to open an account at public.com and link it my account.I am planning to request for this...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Has anyone looked at the Webull 1.25 percent promotion vs the 1 percent Robinhood promotion? I realize it pays out at the 1 year and 2 year mark vs Robinhood's all up front. Seems like based on the...
View ArticlePersonal Finance (Not Investing) • selling house by owner/
Since everybody is posting anecdotes. In my MCOL, homes sell within days. Few houses down somebody did FSBO. House has been on market for 3 months now.Statistics: Posted by snowday2022 — Tue May 28,...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
The info AI provided and what I subsequently passed on is 100% true.. I assume the AI pointed you somehow to a reliable non-AI source?Statistics: Posted by BirdFood — Tue May 28, 2024 7:05 pm —...
View ArticlePersonal Finance (Not Investing) • Selling a house with unpermitted basement?
The house we bought had issues with an improperly permitted finished basement. It stayed on the market for several months. After the seller got frustrated we ended up purchasing for about 18% under...
View ArticleInvesting - Theory, News & General • Vanguard Customer Service Mega-thread
Without an even statistical sampling, there’s no way to know how Vanguard compares to other companies. The best I’ve seen is the JD Power customer satisfaction surveys, which show Vanguard comparable...
View ArticlePersonal Investments • BND - why so poorly performing
Unpopular opinion:If one doesn't know why BND (or any other TBM fund) is having performance issues, one probably needs to get an advisor.If you're going to manage your own money, you should know this...
View ArticlePersonal Investments • TLH First Time
IRS Pub 550 doesn’t count?Indirect transactions. You cannot deduct your loss on the sale of stock through your broker if, under a prearranged plan, a related party buys the same stock you had owned....
View ArticlePersonal Investments • Best way(s) to fund grandchildren's college
It appears you desire to eschew the use of 529 plans for some reason. 529 plans worked great for my son and daughter. Very easy to deal with.Unless they decide they want to be entrepreneurs and skip...
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