Personal Consumer Issues • Carry on luggage: wheeled vs. backpack vs. duffle...
I just bought a 40L travel backpack (around $40) for an overseas trip that includes a discount carrier with severe size and weight restrictions for carry-on. Didn't want half of weight allowance to be...
View ArticlePersonal Finance (Not Investing) • Expense drop 1% per year on retirement?
I think for retirees who has a sparsity mindset, the expense just go up because they are already at a minimum.My guess is you're correct for people who spend as little as possible.Statistics: Posted...
View ArticlePersonal Investments • Move ALL my money to Vanguard?
I have zero assets at vanguard but a large percentage of holding in vanguard products because etfs can easily be held anywhere and I have used that to move them around generating thousands of dollars...
View ArticlePersonal Finance (Not Investing) • Roth conversion tax source
Your logic is flawed. After you did your conversion in December, you were free to write a check for $12,000 to your Roth. It's ten minutes of work for potentially thousands of dollars in future tax...
View ArticlePersonal Finance (Not Investing) • Budget with newborn
We ended up with extra money in 529 plans, and I am honestly not too fussed about it given how much the money has grown. If we have grandkids it will get rolled over for their college, and if we...
View ArticlePersonal Consumer Issues • Favorite Lake Toys from $1 - $100,000
Two 3-seater waverunnersStatistics: Posted by HomerJ — Thu Jun 13, 2024 10:06 pm — Replies 25 — Views 2270
View ArticlePersonal Investments • Is the governmental 457(b) the king of early retirement?
I recently learned that a governmental 457(b) plan can take withdrawals upon severance even before 59.5 penalty-freeIs this the golden goose, all things held constant (fees, choices, etc.)?Right now...
View ArticleClik here to view.
Personal Investments • T-Bill yield on 6/20?
I don't know about the person you quotes, but I have a ladder of one-year bills maturing every month as part of my emergency fund.Why do that when MMF are paying more (~5.2%)? Seems like a lot of...
View ArticleInvesting - Theory, News & General • Retirees: what motivated your AA?
Retirees: what motivated your AA?When I retired one of my goals was to simplify my investments so that they would be easier to manage when I was older or my wife needs to manage it someday. My concern...
View ArticlePersonal Investments • Creating the 3 Fund Portfolio
From what I understand investors can create their own 3 fund portfolios in 401ks (dependent on fund availability) and IRAs?Yep. Since you mentioned that you have Fidelity funds available in your...
View ArticlePersonal Finance (Not Investing) • Low Expenses, How?
This is $26,000 and does not include a bunch of necessities...My fixed expenses (including mortgage) total the same as yours.Seems hard to believe a couple can have expenses under $50K or $60K.Total...
View ArticlePersonal Finance (Not Investing) • opportunity cost killing our vacation home?
I think your thinking is solid, but then I try to explain it to others and they look at me like I’ve got an eye in my forehead.I assumed you meant treasury as a lower bound just for purposes of your...
View ArticlePersonal Consumer Issues • Billed for services I declined
The doctor's office erred twicecorrected it for you.that means they didn't learn from their mistake the first time.do you like to keep making the same mistake over and over again?do you like dealing...
View ArticleInvesting - Theory, News & General • Is your long-term goal to stay...
I'd rather have too much than too little. Insecure my entire work life, now looking at retirement in a couple years and now my ears are pricking up at IRMAA and RMDs. Remind myself it's a nice problem...
View ArticlePersonal Investments • Moved dad’s iBonds money into something else now?
to me this seems like lots of effort for miniscule extra return, not worth the hassleheres what i would do- cash out all the i-bonds and don't purchase them or tips again- invest in t-bill till rates...
View ArticlePersonal Investments • Husband bought big in Nvidia last month ...now what?
Everyone wringing their hands about the mortal danger here should double check what makes up the top 25%+ of their current stock market index fund(s), by weight.S&P 500 as of now:Top 25 Companies...
View ArticlePersonal Consumer Issues • HVAC Drain Pan: Upsize Quote
A larger pan is not the solution, a drain that actually drains is*. Having said that, I had my annual "tune up" in May one year and in June (110° in AZ) the AC all of the sudden shut off one morning...
View ArticlePersonal Investments • Mega-backdoor Roth Question
Do you get an employer match? Is there any limit on after tax contributions? Total irs limit (415(c)(1)(A)) =403b pretax+roth 403b/401a +employer match/401a +posttax 403b/401a.For 2024 that is 69k=...
View ArticleInvesting - Theory, News & General • Wealthfront Savings and the Yotta...
Not concerned, just curious. Vanguard offers a Cash Plus account with FDIC insurance up to $1.25 million. If one were to deposit this amount with Vanguard, I assume Vanguard would move $250k to each...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
2 things.1) Truth is stranger than fiction2) If you like a certain topic in nonfiction you can endlessly pursue it. With fiction you are subject to whether or not the author creates any more and...
View Article