Personal Finance (Not Investing) • spending my money now feels like getting...
Hi,It seems that colleges expect to pay 5% of assets as per year fees.I have 2 kids. so 5% * 4(years) for 2 kids = (approximately) 40%Say I have 1 million, should I just consider spending it now when...
View ArticleInvesting - Theory, News & General • How to understand ssa.gov estimated...
Hi,When I login to ssa.gov it saysFor example:Your estimated monthly benefit at Full Retirement Age (67) is $1000.Early(62): 700Delayed(70): 1500I already have 40 work credits needed to receive...
View ArticlePersonal Investments • Long horizon, target date fund vs SP500?
Fidelity Roth 401K.30+ yr time horizon.Is it wiser to invest in VFFVX currently 90/10 stocks/ bonds 60/40 domestic/ international ( set & forget) or Fidelity’s SP500?No 100% stock global option in...
View ArticlePersonal Consumer Issues • Philips TVs vs. Samsung TVs
Has anyone ever owned both a Philips TV and a Samsung TV ?Which one was better? Would you mind sharing the pros and cons for both?Thanks.Statistics: Posted by teelainen — Fri Jul 12, 2024 11:27 pm —...
View ArticlePersonal Investments • Which Roth should I invest in first?
I’m ready to start funding my Roth but which one? Roth IRA or a Roth 401k? I have access to both. Does it matter? Should I do both (50/50)? Just focus one one? Not sure what to do. Also- I normally go...
View ArticlePersonal Consumer Issues • Anyone using SageSure for Home Insurance in CA?
I'm in southern CA. My home insurance renewal from State Farm was $7,535. That's up 82%!2023-24 insurance was $4,138. [also State Farm]2022-23 insurance was $3,456. [also State Farm]I think I found...
View ArticlePersonal Finance (Not Investing) • SS and Max Family Benefit w/Child Question
Thanks for taking the time to read. I am trying to understand the Max Family Benefit as it pertains to a married couple with a dependent child. I have run calcs on Opensocialsecurity.com and AnyPIA...
View ArticlePersonal Investments • T-Bill Overweight - Is It Necessary to Rebalance a...
Always learning. Looking for your opinion. Before retirement I made a couple of financial moves. I converted all my stocks to Short-Term Treasury Bills. Then I started buying stocks again. Now that I...
View ArticlePersonal Investments • Did Roth Conv Last Year, Prob Not Again, Check Me
I converted about $100,000 last year and paid the taxes from cash reserves.This year I have cold feet about doing more conversions.Current bracket is 24%. I am buying property and paying for a wedding...
View ArticlePersonal Investments • Retirement Planner - Customize Withdrawals Over Time?
I use the Fidelity Retirement Planner. It asks you to enter a FIXED monthly withdrawal amount and it then uses that same amount (adjusted for inflation) for the ENTIRETY of the plannable lifetime. I...
View ArticlePersonal Consumer Issues • Help me find a Home security system that will work...
I am having issues connecting simplisafe system to my very slow internet in a rural area. Doorbell camera works well but other cameras will not connect at all. Various trouble shooting tactics...
View ArticlePersonal Investments • California 403b Vanguard vs. Fidelity vs CalSTRS Pension2
I am going to soon be opening a new 403b. I've been using 403bcompare.com to look at different plan options.Weighing between Fidelity vs Vanguard vs CalSTRS Pension 2.All three have nominal annual...
View ArticlePersonal Consumer Issues • Living to 100
I plan on living to be 100 years old which means I will likely outlive many of my contemporaries, friends and family. I would like to remain mentally and socially engaged. Have any of the elders on...
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Personal Investments • Stock Market tools for kids
Thanks for those that gave me advice on how to get my son (14) his first summer job. Now that he is pulling in the princely sum of $45/day, he wants to invest in the stock market. I guess one of the...
View ArticlePersonal Consumer Issues • Washington Island Wisconsin - Water Temperature in...
What is the typical water temperature on Washington Island Wisconsin in mid August? Struggling to find reliable information. And whatever I do find there is great variability among sources.Statistics:...
View ArticlePersonal Investments • Tax on primary residence sale
If owe 150K in mortgage and sell the house(before the mortgage is paid off) and get $578,751, Is it taxed(joint-file) at $578,751(final sales price), or taxed at $428,751? ($578,751-$150,000). If it...
View ArticlePersonal Consumer Issues • Power Outage and Food Spoilage?
Not long ago, there was a power outage. It was out at first for approximately 7 hours or so. Then it came back for 1 hour at the most. Then it was out for about 27 hours. I had purchased a few things...
View ArticlePersonal Investments • How to convince dad to just buy index funds instead of...
My dad is a stock picker, as well as owning some real estate. He is planning to retire very soon, and he keeps trying to pick stocks. I try to tell him that its a bad idea, and he knows the index...
View ArticlePersonal Investments • Investing advice sought
Dear Forum members,I am keen to learn about some investment options for $800k with a five year horizon for 500k and 2 year horizon for 300k? The primary aim is to grow 500 K for the grandkids and...
View ArticlePersonal Consumer Issues • Kei truck for retiree?
Apparently there are very small used trucks called Kei trucks which are legal to drive if over 25 years old, in Washington state. They are Japanese imports with motorcycle-like engines. Would such a...
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