Personal Finance (Not Investing) • Patelco Credit Union Ransonware Attack
.... A stolen debit card would be capped at what $50 if you notify your bank within 3 days of learning about the transaction or $500 if you do so within like 30 days of the statement coming out. Not...
View ArticleNon-US Investing • Are there actually any good financial advisers? Wondering...
There is no reason not to run your portfolio past a FA occasionally to reassure yourself you are on the right track-it’s a sensible action to takeI did this once or twice when I was starting out-it...
View ArticlePersonal Investments • Did Roth Conv Last Year, Prob Not Again, Check Me
[T]o pay the taxes I'll have to sell stock funds at LT cap gain rate plus the extra 3.8% due to our income[. . .] Seems like the opportunity cost of selling stock funds to pay taxes early is high.If...
View ArticlePersonal Investments • Fidelity and Schwab branch offices
I created a Schwab tIRA as a way to convert traditional TSP into a Roth IRA. I moved enough to cover several years of conversions. I plan RMD from TSP to go into a Schwab taxable account. I plan to...
View ArticleInvesting - Theory, News & General • Can stable dividends mitigate SORR?
Someone in another thread posed the question of whether companies that pay stable dividends can help to mitigate SORR (sequence of returns risk).... some people equate dividend payouts with a "forced...
View ArticlePersonal Investments • How many Roth-IRAs'? Which R-IRA to rollover...
I am curious to the answer from more knowledgable reader, but 1) I am under the impression Roth IRA cannot be rolled back into employer-sponsored plan--sounds like that is what you want to do. 2) why...
View ArticlePersonal Consumer Issues • Pointers for Buying 2024 Honda Odyssey EX-L
I sold my car to carvana for more than the dealer would give on my trade in. It was pretty painless. You will generally get more from local or something like carvana than a dealer. Remember to count...
View ArticlePersonal Finance (Not Investing) • Shouldn’t basic personal finance be taught...
This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general...
View ArticlePersonal Consumer Issues • Retiring to Upstate NY
I scratch my head on this one lol - I've never seen another topic as much discussed over a simple concept - and not just here, but everywhere online.In real life, it's always been pretty easy. Outside...
View ArticlePersonal Consumer Issues • Cloud based backup options for sensitive files
That's an excellent point. Both your cloud storage provider and backup tool need to be time-proven and reliable.Statistics: Posted by LadyGeek — Mon Jul 15, 2024 5:30 am — Replies 111 — Views 10783
View ArticleInvesting - Theory, News & General • Vanguard raises ER of VNQ/VGSLX
This cuts both ways. If one basis point is immaterial, then Vanguard should have lowered it by one basis point!I suspect RM meant immaterial to the investor making a decision to own the fund or not,...
View ArticleInvesting - Theory, News & General • Uninterested Spouse [Spouse not...
I merged CajunDan's thread into a similar discussion. I also clarified the thread title. The combined thread is now in the Investing - Theory, News & General forum (general discussion).(Thanks to...
View ArticleInvesting - Theory, News & General • Cash is a terrible long-term investment
Rob Berger doesn't like dedicating a cash reserve for buying stocks after a crash during retirement. He thinks that's the time to rebalance from bonds to stocks, emphasizing buying low, as you were...
View ArticlePersonal Investments • Pralana or CPA or ??? need a plan. Plan Vision didn't...
Hopefully they will let me book with Jason. Go to the PlanVision client site and book a 30 minute appointment with Jason. When you set up the appointment, it will ask what you want to...
View ArticlePersonal Consumer Issues • Computer or Office Chair Recommendation?
Okay. So i was at a store recently and they have like the 3 basic office chairs The cheapest one where it is a tiny soft chair and no armrest. That is the worst option of all correct in terms of...
View ArticlePersonal Consumer Issues • California weather in a lower cost of living area
ChatGPT says:Flagstaff, Arizona - Known for its mild summers, cool evenings due to its high elevation, and low humidity. Snowfall is limited....Could you please post the query which generated that...
View ArticlePersonal Finance (Not Investing) • Most recent CitiBank deception ... always...
...Also note I have worked in many financial institutions in IT. Sales and Marketing folk are always coming up with schemes that IT can't keep up with automating properly. It is not cost effective to...
View ArticlePersonal Consumer Issues • Fix my thinking please [purchasing high-cost...
This thread cost me nearly $13k in a day! LOL. After reading through the thread I went out and bought a new Ferris ISX 2200. After years of mowing 5 acres with my no suspension base option Husqvarna...
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Personal Finance (Not Investing) • Tales from this insane real estate market...
People are overpaying by ridiculous amounts in my midwestern neighborhood. This is nuts.Are the majority of the houses over 2mil and average downpayment around 5-750K? Hope not, if the midwest is now...
View ArticlePersonal Consumer Issues • Nanny Camera Advice
I know there are probably better places to get answers, but I just couldn't find a good reddit sub for this, so asking you fine people.I travel for work and would like to install a couple home...
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