Personal Finance (Not Investing) • Car totaling -- how to prepare *before* it...
I have a terrible hunch that my car will be destroyed a second time by another at-fault deadbeat ghost, so I'm about doubling my auto insurance premium to add Collision coverage*.I saw in this thread...
View ArticlePersonal Consumer Issues • Things to do in Kauai
Will be heading to Kauai for 3 days in a few weeks and probably won't be back to Hawaii for a while. What are some must to things to do while we are there. No kids, just two adults and we're fairly...
View ArticlePersonal Investments • Can I afford this house?
Hi all, first post! Apologies if this should not be in the Personal Investments section, but I feel this is the best place.I am considering house purchase:* 1.3 Million* After financing, HOA, etc....
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Investing - Theory, News & General • Just how random are stock returns?
Monte Carlo simulations can be useful in providing insight into a number of problems, including, of course, retirement finance. However, interpreting the results and appreciating their limitations...
View ArticlePersonal Finance (Not Investing) • State Farm agent wants me to come in to...
I got a call from my State Farm agent today saying he wants me to come to the office so they can review my policy. (1 home, 2 cars, in Colorado). They're doing 'customer reviews' and want to make sure...
View ArticlePersonal Finance (Not Investing) • Selling business car and tax basis
I have a S Corp.My business purchased a car in Nov 2020. It spent $66914 to buy this car.In the past 4 years, the following amounts were depreciated.2020 $101002021 $161002022 $97002023 $5760So $41660...
View ArticlePersonal Finance (Not Investing) • Are car memory seats worth the money for...
I'm 5'10" and my spouse is 5'. Based on your experience, how important is the car memory seat? Do you have any convenient ways to switch seat positions even without a memory seat?Statistics: Posted by...
View ArticlePersonal Investments • Actual mechanics of rebalancing - how to do it
Stupid question, but I haven't rebalanced before. I totally understand the why's and how's of rebalancing as a concept. I know exactly how much to buy and sell in each of my accounts to bring my...
View ArticlePersonal Finance (Not Investing) • How to gift things (stock, bond, real...
How to gift things (stock, bond, real estate ) to my kids (heirs) while I am still alive with min tax consequence? I know I would lose step up bases.Statistics: Posted by WhiteMaxima — Fri Aug 02,...
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Personal Consumer Issues • Maverick-like vehicles for $45,000 with great audio?
So I was very interested in a Ford Maverick, the combination of hybrid drive on a compact truck body was ideal for my purposes. One of my must-haves in a vehicle is an excellent sound system, whether...
View ArticleInvesting - Theory, News & General • Assignment of stocks to M* style boxes
If I look at M*'s style box for VOO, I see that 14% of VOO maps to large cap value, 29% to large cap blend, etc.For selected stocks held by VOO (say, MSFT), I want to see how M* maps the stocks to the...
View ArticlePersonal Investments • Rent and invest or buy? We have $250k to put down
Hello, I live in SoCal and am trying hard to find out if I should rent or buy given our current financial situation. Here are my inputs:DH Income: $120k (just assuming my base salary and not...
View ArticlePersonal Finance (Not Investing) • "Break-even" on mortgage points:...
It seems like it is common practice to calculate a "break-even period" for mortgage points by: (1) taking the monthly savings on the mortgage payment that you get by buying points, and (2) calculating...
View ArticlePersonal Finance (Not Investing) • Progressive auto insurance (for 2 cars)...
I used a Broker sometime last year and switched over our insurances.As of now, I have got two cars insured under Progressive: Subaru Ascent (lease) and Chevy Bolt (financing it).Does any of the...
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Personal Consumer Issues • Fixing scratches in wood stair railing
Has anyone dealt with fixing scratches in a stained wood stair railing? I have cat scratches in my stair railing from where my formerly kittens liked to do their catwalk. Of course, they lost their...
View ArticlePersonal Finance (Not Investing) • HSA or PPO? New job, HPDP deductible met...
Hello, I need advise on if I should enroll for HSA HDHP health plan at my new job. I was enrolled in HDHP at my old job and I had met the high deductible due to medical expenses related to me and my...
View ArticleNon-US Investing • 2 factor authentication
Hello all,this is not an investing question. If it is an inappropriate question to ask here, I hope you will let me know. When you are outside USA, as an ex pat or traveler, what is your favorite...
View ArticleNon-US Investing • UK pensions: DB/DC offsetting?
Context: at the cusp of retirement; expect to have enough retirement income; give what's left to charity.Have a pair of related pensions, one defined benefit (DB), one defined contribution (DC). Could...
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Personal Investments • Courtesy Extension?
Posting this message for my Best Friend Can someone please tell us what this means in English? THANK YOU IN ADVANCE '"Based on the cash surrender value of $7,860.15 the annual automatic withdrawal of...
View ArticlePersonal Investments • Broker Bond Sale Markup - Is it reasonable?
I buy corporate bonds for my fixed income allocation. I use a broker from a large brokerage firm to find bonds which he will then purchase for me.From the most recent confirms, it looks like I'm being...
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