Personal Investments • Any value in adding gold or TIPS
Precious metals can be a good diversification as a real, hard asset similar to (but not exactly like) real estate.In a world run by digital numbers on a screen, and at the same time faced with global...
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Investing - Theory, News & General • Vanguard to start charging...
Logically Vanguard should charge lower fees to those who use another brokerage. Why should I subsidize Vanguard's brokerage platform when I don't use it? That is part sarcasm but it is a logical...
View ArticlePersonal Investments • Instrument that works like treasuries
... (I'm 65 and on SSDI; I'll need some of the money to pause SS between age 66.6 and 70 in order to maximize SS; for the rest of the money my need for it will be laddered.)an aside query: Can you...
View ArticlePersonal Finance (Not Investing) • After 401k and Roth IRA, what's next? 457b...
1) Is the 457b governmental or private?2)How many years until you would pull it out and what are options for dispersement3) If not governmental, how sound is her employer financially?4) what is your...
View ArticlePersonal Investments • Only ever used HYSA, help me understand using VUSXX...
The quoted interest rates are after the expense ratio, which is already very low at least with Vanguard. 7-day yield is the annualized interest rate over the last 7 days, which varies over time. If...
View ArticlePersonal Investments • Teaching grown children to invest...
Don't bother. IME, the majority of people view investing as a chore, like doing yardwork or flossing. They don't enjoy investing like people on this forum do, so they'll do the bare minimum to just...
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Personal Investments • Starting investing at 55 years old
Hello!Thanks much for all your answers and suggestions. It has been taking me awhile to digest and work on your recomendations. I really appreciatte all the info and time.Regarding my income and low...
View ArticlePersonal Investments • ways to lock-in gains
I didn't see you mention anything about your tax situation. If the majority of funds are tax sheltered, then you can change asset mix anytime with no major tax implications.However, if they are in...
View ArticlePersonal Finance (Not Investing) • Career Advice for a Young Professional
From a financial POV, it sounds like you are doing great and are on a good track in either case.In terms of weighing your choices, as you put it it sounds like the trade-off is really about quality of...
View ArticlePersonal Consumer Issues • Would like to buy a $80,000 SUV
Value of endangering others ? negativeValue of additional pollution ? negativeValue of bling ? zeroI would not much care about $80k one way or the other, but I do try to not be a scourge to my...
View ArticlePersonal Finance (Not Investing) • No college choice really
But it's the truth. GT has, by far, the largest industrial engineering program, and has been #1 for 30 years in a row. No other school, for any other major, even comes close to that.There's graduates...
View ArticlePersonal Investments • Newly "Retired" and have done poor job of...
Please let me register an agreement with what has already been mentioned regarding health care expenses and add further comment. With "$500K (including severance) in post tax cash and equivalents", it...
View ArticlePersonal Investments • Asset Allocation - Do You Include Cash?
Yep, all valid, Klangfool.In 2020, I was not holding a lot of cash, so a totally different scenario than what I am asking about now.So then, yes, I rebalanced between stocks and bonds, but that was...
View ArticlePersonal Consumer Issues • Any Piano Players? Yamaha Clavinova Digital Piano
I am not a muscian. I bought a Yamaha Clavinova CLP 745 for my 13-year old son about 3 years ago. Paid $3200. He is very happy with it for what it is worth. This is his 2nd piano. He started on a used...
View ArticlePersonal Consumer Issues • Encroachment reveled in land survey at purchase
I could see the neighbor or some future owner of that property saying, "Hey, we've scraped the side of our car on the house backing out a couple times. We noticed that our driveway is narrower than...
View ArticlePersonal Investments • bogle.tools migrating to multifol.io - steps to move...
Still no go. Got a different error this time; sent you a PMStatistics: Posted by sandramjet — Sat Jun 29, 2024 1:28 am — Replies 3 — Views 419
View ArticlePersonal Consumer Issues • What fun car should I get in the $150k - $200k range?
Did the OP pay 150-200k for a Miata ??Statistics: Posted by Thesaints — Sat Jun 29, 2024 11:47 pm — Replies 510 — Views 46623
View ArticleInvesting - Theory, News & General • NewRetirement Frustrating Results
Adding my own two cents here, since I learned about Projection Lab from this thread.I have so far tried E-Money (via Plan Vision paid and via Fidelity Full view), New Retirement paid, Pralana and...
View ArticlePersonal Finance (Not Investing) • In the event of a frozen pension...
This is just my experience which may not be the same for every company or the rules may have changed.I would suspect that yours is already a cash balance pension plan so your situation might be a lot...
View ArticlePersonal Finance (Not Investing) • Corporate Trustee
The issue is is that my (and many of us parents of disabled children) 3SNT will likely not go "active" for decades, i.e. at our death or the death of a third party contributer. By then the drafting...
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