Personal Finance (Not Investing) • Mortgaged buyers pay an 11% premium over...
The Mortgage-Cash Premium Puzzleby Michael Reher and Rossen I. ValkanovJournal of Finance (2024)Abstract:All-cash homebuyers account for one-third of U.S. home purchases between 1980 and 2017. We use...
View ArticlePersonal Consumer Issues • Major house remodeling - permits/paperwork and...
Hey folks, I’m preparing my house for selling, and had really interesting talks with the realtor, and my friend who is an inspector.1) Minor improvements. Both realtor and inspector say that I don’t...
View ArticlePersonal Investments • 529 - 100% stocks if passing on estate?
Let’s say a person’s estate is so large that they will pass on assets to their children. They’ve utilized 529s as a way to transfer wealth. Is there any reason not to be 100% stocks forever (with...
View ArticlePersonal Finance (Not Investing) • How much house can i afford?
I (40m) have 223k in VTI in taxable and 125k VTI in roth basis i can pull out penalty free for a home. My fiance (33F) has about 250k in cash that can be used for a home. We both make about 120k...
View ArticlePersonal Finance (Not Investing) • IRA Recharacterization & Conversion
Tax Planning:Q: Is it permissible to convert a traditional IRA to a ROTH IRA in 2024, even though sole funding for the traditional IRA was from a recharacterization of 2023 ROTH contribution that...
View ArticleInvesting - Theory, News & General • PSA: TLH + Rebalance this week
Looks like a fun week coming up. Reminder to keep your wits, and focus on constructive actions like re-reading your investment policy statement, TLH'ing and rebalancing when your balance bands hits....
View ArticlePersonal Consumer Issues • A19 Solar Powered Light Bulb
I have a light bulb socket that is non functioning and I was wondering if a solar powered A19 style solar light bulb exists to where I can just place it into the socket without having to replace the...
View ArticlePersonal Investments • Rush to sell?
Seeking out some advice. My wife and I recently remodeled a home (took a risk, bought a dilapidated home, remodeled to our liking) and are currently living in it, ended up being perfect for our family...
View ArticlePersonal Investments • Can Mega Backdoor Roth Contributions to Roth IRA Be...
If you contribute money directly to a Roth IRA, you can withdraw those contributions (not earnings, just contributions) tax and penalty-free at any time.Is that also true of money you contribute to a...
View ArticlePersonal Finance (Not Investing) • Medicare Plan N
For the past two years, I have been in Plan N with Aetna. In the past two years, I have had two annual physicals and two annual visits to the dermatologist. There has been no other utilization and I...
View ArticlePersonal Finance (Not Investing) • Chase vs Capital One checking?
I have Capital one checking and has been working well, bill pay is same day, site is easy to use, I can do $100,000 ACH but it's slow and there is no 2FA on login. Thought about switching to Chase...
View ArticlePersonal Investments • By the hour financial advisor
After doing some searching, it seems like these don't exist anymore? I consider myself a boglehead but have some questions that I wouldn't mind paying an hourly rate. TIAStatistics: Posted by...
View ArticlePersonal Investments • Roth conversion with pretax or after tax money?
I am retired and want to Roth convert some money in my company's 401k account. Currently in that account, I have both pretax and after tax money. What are the pros and cons of converting either type...
View ArticleInvesting - Theory, News & General • Vanguard CEO Ramji on Bloomberg TV
https://www.bloomberg.com/news/articles ... ate-assetsLooks like low-cost private / alt investment vehicles are coming soon. Harbourvest partnership expansion?Statistics: Posted by rolandtorres — Mon...
View ArticlePersonal Investments • Schwab vs Fidelity for backdoor Roth IRA and or ladder?
Hello all,I'm creeping towards the start of phased-out contributions for Roth IRA, and might meet it this year.I've read into the backdoor process, and most of the guides online do a step-by-step for...
View ArticlePersonal Investments • Asking For a Friend...
So I have a friend who has a net worth of over 4m (age 48), mostly in liquid assets. Most of it is from selling his business and the majority of this is also in taxable accounts. Historically he is...
View ArticlePersonal Consumer Issues • Need reoommendation for a document scanner
I have been scanning documents using my Epson workforce and it's driving me nuts. The paper doesn't seem to scan multiple pages properly. Since I scan so many doc, it's worth getting a decent duplex...
View ArticlePersonal Investments • Trying to Understand Mom's investments in Ameriprise
Hello, I am trying to understand some of the funds my mom is invested in with Ameriprise. I have the funds but not the balances and she wants to speak around Christmas time to get my advice where I...
View ArticlePersonal Finance (Not Investing) • HSA eligible?
Here's our situation. My spouse and children are covered on my HDHP plan. I have been maxing the HSA every year.My spouse is starting a new job and has the option to join an HDHP with no premiums. Her...
View ArticlePersonal Investments • Best Approach for Simplifying Fund Mix with New 401k?
Hi folks, I recently joined a new company with different (I'd say better) fund choices in my 401k than my previous employer. Before, the closest thing I had to a Total US Stock Index was an S&P...
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