Personal Consumer Issues • Landlord wants open house while we are still renting
The contract gives him the right to show potential buyers the house, but he is asking us (politely) to be out of the house for 2 to 3 hours one time during a weekend (we can choose the day and the...
View ArticlePersonal Finance (Not Investing) • [Auto insurance - Do I need comprehensive...
I have a 2005 Lexus worth $1500. Is it worth keeping comprehension coverage? Thank youStatistics: Posted by fxkowalski — Sun Jun 02, 2024 3:46 pm — Replies 4 — Views 218
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Investing - Theory, News & General • Are Investing Returns Affected by...
I am willing to surmise that participation in the market, and specifically stock indexes, has risen dramatically as pensions have fallen out of favor, 401k have supplanted them, and self-directed,...
View ArticlePersonal Consumer Issues • When CC accounts report balance?
I see some conflicting answer to the question: when is the account balance reported to the credit report agencies and which balance (current or last statement). So I pulled up my credit report on...
View ArticlePersonal Consumer Issues • Portable Grill?
I am interested in purchasing a portable grill for picnics at the park this summer, as well as tailgating, etc.Presumably, a propane grill. I don't have much experience with grilling, but seeking to...
View ArticleInvesting - Theory, News & General • 13F Filing Requirement?
Curious. I’m watching all the DFV/Roaring Kitty stuff today, and I’m wondering if he’s over the threshold for filing a 13F assuming his posting on r/Superstonk is legit. Am I missing anything? I never...
View ArticlePersonal Consumer Issues • Android VPN Norton 360 vs MalwareBytes
I have a decision to make before my Norton subscription expires in October. I'm on Windows 10 Pro, going to upgrade to Windows 11 Pro in the next few months, and have a Samsung 23+. I've always used...
View ArticlePersonal Finance (Not Investing) • Give roth/traditional IRA/401k money to...
Hello,I was wondering if it is possible to gift/give roth/traditional IRA/401k money to my brother prior to my death? Ideally, I would like the tax-deferred nature of the accounts to remain intact if...
View ArticlePersonal Investments • TSP, Roth TSP, Roth IRA Order?
Hi Everyone,I am trying to figure out the best investment vehicles for my retirement portfolio.Currently single, 39 years old, and am not sure how long I would like to stay in the gov.Would eventually...
View ArticlePersonal Consumer Issues • SafeRacks Installation Services
Any experience with SafeRacks installation services (and / or the physical product itself)? The likes of Costco sells the this brand so that causes me to think the product is of at least decent...
View ArticlePersonal Investments • looking for feedback on IPS
I've been following the Boglehead method for about 6 months now, and am moving toward formalizing my asset allocation and investment statement. I am 33, with stable income. Any feedback or advice is...
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Personal Finance (Not Investing) • Resolved: Truv for employment verification...
Update: as mentioned in my second post here, try other options before using Truv.As one of the final steps for my mortgage to be approved, the lender is requesting an updated employment verification,...
View ArticlePersonal Finance (Not Investing) • Social Security Survivor’s Benefit Question
It is my understanding that when your spouse dies, that the surviving spouse will continue to collect the higher of the two SS benefits. Asking for a friend who believes that his benefit (higher...
View ArticlePersonal Investments • Where to get ETF average bid/ask spread data
Are there any good websites or free API data sources for ETFs that include average bid/ask spreads?I found ETF Central but it says the expense ratio for VXUS is...
View ArticlePersonal Finance (Not Investing) • How to value LTIs - 3 year vesting
Hello. I'm curious on how forum members would value Long Term Incentives (LTIs), in the form of stock grants (not options) that vest on a 3 year basis.For simple numbers, let's imagine the...
View ArticlePersonal Finance (Not Investing) • HDHP always better than PPO? What am I...
I'm puzzled by this. As is common, my employer gives me a choice between a cheaper high-deductible plan (HDHP) or a costlier PPO. My intuition is that the optimal plan choice should depend on how much...
View ArticlePersonal Investments • Constructive Feedback Requested for FIRE plan
Hi FIRE Friends -Posting here to get thoughts on our fire plan. Constructive feedback is gladly appreciated.Retirement Plan:I retire in approximately 17-18 years at age 55My wife would retire around...
View ArticlePersonal Finance (Not Investing) • Energy Efficient Home Improvement tax...
In looking over the IRS instructions for claiming the Energy Efficient Home Improvement Tax Credits https://www.irs.gov/credits-deductions/ ... ent-credit, I see that "The credit is nonrefundable, so...
View ArticlePersonal Investments • Roth IRA basis question: no direct contributions, all...
Hi all. I have just moved a Roth IRA from Vanguard to Fidelity, which, by the way, was very easy to do. Fidelity is asking me to update my basis in the Roth. Okay... the IRS says the basis is the...
View ArticlePersonal Investments • SPX Box Spread Loan - Optimal size for the lowest...
What is the optimal size of an SPX box spread when borrowing relatively high amounts?For example, let's say I'm intending to borrow $1m. There are many ways that I could approach this. Here are a few...
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