Search found 12996 matches

by whodidntante
Mon Mar 18, 2024 10:13 pm
Forum: Personal Investments
Topic: Nervous about giving out information
Replies: 30
Views: 2201

Re: Nervous about giving out information

If you don't feel comfortable, don't share. Psuedoanonymous is not the same as anonymous. I have a minority opinion on that. But still, there it is.
by whodidntante
Mon Mar 18, 2024 8:32 pm
Forum: Personal Consumer Issues
Topic: Tour Company - Vietnam
Replies: 11
Views: 1295

Re: Tour Company - Vietnam

DSBH wrote: Mon Mar 18, 2024 8:26 pm If we were to do it again, we’ll probably fly nonstop to London or Paris, stay for a few days, and then fly nonstop to Saigon. Same on the way back, nonstop from Viet Nam to Europe, rest and then nonstop to US if there is a next time.
As someone who once spent an entire month jetlagged, I think your plan is terrible. :P
by whodidntante
Mon Mar 18, 2024 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital Bill - Negotiation strategies?
Replies: 19
Views: 1217

Re: Hospital Bill - Negotiation strategies?

I've negotiated unreasonable bills. I think it's ethical. It's important to know your rights under the law. Medical debt cannot be reported to credit bureaus for six months. So you should not feel pressure to pay right away, regardless of the number of red envelopes they send you. I kind of expect any trip to the ER will cost me two grand. But this is what I would do in broad strokes, if this bill is unreasonable to you. This will take much longer than you think. I would asked for a detailed, itemized bill with CPT codes for each service provided. Challenge anything that is obviously wrong, and ask for a new detailed, itemized bill after they make the corrections. Find out what the negotiated in-network rates are, and make sure they applied...
by whodidntante
Mon Mar 18, 2024 6:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invites clients to lend securities
Replies: 21
Views: 1170

Re: Vanguard invites clients to lend securities

I predict that Vanguard's FPL program will have the worst securities lending yield of all major brokers, due to the customer profile. :P

But I've had worthwhile results at IBKR and E*Trade.
by whodidntante
Mon Mar 18, 2024 6:16 pm
Forum: Personal Investments
Topic: Lucent Paper 1996 Certificate
Replies: 4
Views: 525

Re: Lucent Paper 1996 Certificate

Lucent merged with Alcatel and the owner at that time would have received shares of Alcatel if they turned in their stock certificates.
https://www.reddit.com/r/investing/comm ... _that_was/
by whodidntante
Mon Mar 18, 2024 5:48 pm
Forum: Investing - Theory, News & General
Topic: Overpaying taxes and ibond purchases
Replies: 2
Views: 245

Re: Overpaying taxes and ibond purchases

You can buy an additional 10k per person electronically. The paper bonds you got from your tax return don't count against your electronic purchase limit.
by whodidntante
Mon Mar 18, 2024 5:46 pm
Forum: Personal Investments
Topic: Can I retire with $1.75M at age 43?
Replies: 169
Views: 11036

Re: Can I retire with $1.75M at age 43?

Yes, you can retire. I ponder doing so myself from time to time. But I don't hate my job. I actually like it and it definitely adds a sense of purpose, though it's definitely too much work. I just think life is short, and not all of my friends are still with us.

I'm more likely to slow down than to retire. I know you said you don't want to work, but could you find something you enjoy that also makes money? You could spend the extra money on lifestyle if you like, or give it away.
by whodidntante
Mon Mar 18, 2024 5:41 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on sector rotation - March 2024?
Replies: 20
Views: 833

Re: Any thoughts on sector rotation - March 2024?

Long Tanelorn, short Ferri usually works. :P
by whodidntante
Mon Mar 18, 2024 5:38 pm
Forum: Investing - Theory, News & General
Topic: M1 adding monthly fee for users under $10k assets
Replies: 13
Views: 1828

Re: M1 adding monthly fee for users under $10k assets

tetractys wrote: Sat Mar 16, 2024 12:07 am A change of agreement should warrant a free exit period.
Pretty sure their T&C's will give them the right to change the T&Cs at any time. After all, they wrote it.
by whodidntante
Mon Mar 18, 2024 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: IR deduction for 2023
Replies: 2
Views: 182

Re: IR deduction for 2023

Whenever I disagree with tax software, I export the actual tax forms as PDF and take a look. If I still don't agree, I go in and make corrections.
by whodidntante
Sat Mar 16, 2024 7:19 pm
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1459
Views: 110131

Re: Robinhood 3% IRA Match

Confirming today, a day after the transfer of $2k was requested and invested into SGOV, I can (but didn’t) place an order for SGOV for $1k, which was my margin limit that I set. I guess I was too anxious in the first day of the transfer. Glad it worked out! So your entire taxable account now has $2k invested in SGOV, and you plan to invest an additional $1k on margin? I wonder if you will get a margin call when SGOV goes ex-dividend. If you let it ride like that please let us know how it turns out. Read up on the difference between initial margin and maintenance margin to see why your concern is not justified. And the margin call bogeyman is not that bad, even if it happens. There is a great deal of confusion among Bogleheads about margin....
by whodidntante
Sat Mar 16, 2024 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Parents building a new house - how should they pay for it?
Replies: 52
Views: 3961

Re: Parents building a new house - how should they pay for it?

They'd be able to get a HELOC for most of the value of their current home. Possibly a construction loan also. Other than that, they need to sell something. The house would be a tremendous financial strain for someone with their assets and a 50 year runway, but I think they are at an age where burning down one's portfolio to live your dream is reasonable. What else would they do with the money?
by whodidntante
Sat Mar 16, 2024 6:54 pm
Forum: Investing - Theory, News & General
Topic: Theoretically, would VTI be an effective long term retirement investment, even when held in a taxable account ?
Replies: 30
Views: 2981

Re: Theoretically, would VTI be an effective long term retirement investment, even when held in a taxable account ?

Stocks receive favorable tax treatment. Tax drag is an obvious concern, but most dividends are qualified and receive a lower tax rate. What's less obvious is that the dividends that get thrown off each year will eventually be large enough to disqualify you for ACA subsidies, tax-free treatment of LTCG, and certain other benefits of having a low income. But one could argue that's a good thing for society.
by whodidntante
Sat Mar 16, 2024 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: The best game-changing financial advice you ever received (or "discovered")
Replies: 120
Views: 11094

Re: The best game-changing financial advice you ever received (or "discovered")

What really changed the game for me is when my income doubled 3 or 4 times.
by whodidntante
Sat Mar 16, 2024 6:39 pm
Forum: Investing - Theory, News & General
Topic: Anybody heard stories of well "prepared" retirees running out of money?
Replies: 88
Views: 10116

Re: Anybody heard stories of well "prepared" retirees running out of money?

Hyperinflation would do it, I remember reading about folks in Weimar Germany whose life savings were wiped out by it. I guess my first thought is that many formerly rich people have gone broke, although I don't personally know any of them, it is is not difficult to find accounts of it. Recent years in the USA have been a relative golden era, with a booming and somewhat busting tech economy, supremacy and stability of the dollar, and relative peace. But there is no guarantee that will last. It certainly wasn't preceded by such prosperity. I :shock: at some of the return assumptions used by the FIRE community. My opinion is that some of them are going to get jobs in the future, and find that their earning potential is no longer easily 200 gr...
by whodidntante
Sat Mar 16, 2024 6:24 pm
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6537

Re: HCE/mega backdoor Roth risk?

brew wrote: Sat Mar 16, 2024 1:33 pm
whodidntante wrote: Thu Mar 14, 2024 9:52 pm Take heed, Bogleheads, for March 15th is the deadline for your plan to notify HCEs of a return of contributions. I managed to make two different plans fail testing in 2023. Good luck to y'all.
Well, I guess I made it! No email from the company and no changes or messages online at Vanguard. And if I'm indeed not an HCE, maybe I helped everyone out this year.

Best wishes all!
Gambling gets a bad rap. But sometimes you win! 🍾🥂
by whodidntante
Fri Mar 15, 2024 9:48 am
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6537

Re: HCE/mega backdoor Roth risk?

HCEs are determined after the dealing is done for the year, but some companies will limit contributions for those they reckon will be HCEs. I don't know the answer to your top 20% question but that sounds like a law/accounting/medical firm thing. If your plan is that small you can probably find out who the plan adminstrator is and ask them. Or jam a bunch of money in and see if it comes back next year. :happy
by whodidntante
Fri Mar 15, 2024 9:44 am
Forum: Personal Consumer Issues
Topic: Given Haiti Situation, is Dominican Republic safe?
Replies: 49
Views: 25201

Re: Given Haiti Situation, is Dominican Republic safe?

The state department is conservative, so if they say it's fine, then it's probably at least fine.
by whodidntante
Fri Mar 15, 2024 9:40 am
Forum: US Chapters
Topic: Searching for Lost Contributors
Replies: 537
Views: 138165

Re: Searching for Lost Contributors

AnnetteLouisan wrote: Thu Mar 14, 2024 9:05 pm
Dave55 wrote: Thu Mar 14, 2024 7:01 pm
AnnetteLouisan wrote: Thu Mar 14, 2024 6:56 pm
Dave55 wrote: Thu Mar 14, 2024 9:30 am
Stinky wrote: Wed Mar 13, 2024 5:41 am "Petulant" hasn't posted for a couple of months now.

And abuss368 has been missing in action since the end of 2023.
abuss368 our good friend Tony needed a vacation from the forum. He is alive and well.


Dave
Good to hear he’s doing well - no doubt in your car.

IvyGirl hasn’t posted in a bit. I enjoy some of her posts. Would love her take on the latest inflation numbers - from the trenches.
He is not in my car, but he has been using my plane way too much!

Dave
Don’t ya hate when people borrow the plane without asking?
High quality problem. :happy
by whodidntante
Fri Mar 15, 2024 6:27 am
Forum: Personal Investments
Topic: Liquid cash for 5year horizon at 5% apy
Replies: 16
Views: 1555

Re: Liquid cash for 5year horizon at 5% apy

What you want is not possible, due to taxes and inflation.
by whodidntante
Fri Mar 15, 2024 5:47 am
Forum: Personal Finance (Not Investing)
Topic: 2.9% CC and 0.25 ACH fees
Replies: 14
Views: 1450

Re: 2.9% CC and 0.25 ACH fees

A credit card that has a long 0% purchase apr and a bonus would be best.
by whodidntante
Fri Mar 15, 2024 4:47 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6100

Re: Charles Schwab cannot overnight a replacement debit card

popoki wrote: Thu Mar 14, 2024 3:22 pm [
If your hairdresser only takes cash, that person is probably not reporting income. Why wouldn’t that person take personal check, Venmo, Cash app or something similar?

I recently spent over a week in Canada and never even got any Canadian cash.
Tax evasion is not the only reason for cash transactions. Checks are outmoded and I can't remember the last time I wrote one. The hairdresser might be unbanked, wish to avoid fees, might need the money immediately, or any number of reasons that are none of my business.
by whodidntante
Fri Mar 15, 2024 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Applying for loans in retirement...
Replies: 21
Views: 2213

Re: Applying for loans in retirement...

People who need money but only have assets the don't want to sell typically put those assets up as collateral. Margin loan, HELOC, and whatnot. Margin loans don't require much income. You should have income in the form of dividends and whatnot. Are you trying to borrow a lot? If so, a short box spread might be a good option (wakka wakka).
by whodidntante
Thu Mar 14, 2024 10:01 pm
Forum: Personal Consumer Issues
Topic: Cloud based backup options for sensitive files
Replies: 92
Views: 7386

Re: Cloud based backup options for sensitive files

You can encrypt the files and then back up the encrypted files. Or use one of the backup services that allow you to use "own keys." And don't use their keys. Here's a good test. If no being and no government could recover the information unless you authenticate it, it's secure. The downside of this approach is that if you lose your ability to authenticate it, the information is only recoverable by this guy. https://twitter.com/chucknorris Quantum computers could render many encryption schemes obsolete. So look up how to manage that issue. Later we'll need quantum computers to encrypt our data so it will be safe from other quantum computers. And so on. An order of magnitude higher capacity quantum computer that can be purchased an...
by whodidntante
Thu Mar 14, 2024 9:52 pm
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6537

Re: HCE/mega backdoor Roth risk?

Take heed, Bogleheads, for March 15th is the deadline for your plan to notify HCEs of a return of contributions. I managed to make two different plans fail testing in 2023. Good luck to y'all.
by whodidntante
Thu Mar 14, 2024 5:48 am
Forum: Personal Consumer Issues
Topic: Options during Europe Transportation Strikes
Replies: 12
Views: 1021

Re: Options during Europe Transportation Strikes

One thing I've learned in my travels is that one cannot depend on the Germans. But I really like Germany, so it's not a bad place to get stuck.
by whodidntante
Wed Mar 13, 2024 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Portfolio line of credit
Replies: 3
Views: 377

Re: Portfolio line of credit

I guess it's OK, but what would be even better is if you spend the time you would spend messing around with a portfolio line of credit to learn how to trade box spreads. The rate would be lower and term certain, it has certain tax advantages, and the process is standardized. You might like it so much that you don't bother with a mortgage.
by whodidntante
Wed Mar 13, 2024 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6100

Re: Charles Schwab cannot overnight a replacement debit card

I'm not saying the problem is your fault, but there is a reason that I travel with ATM cards from different issuers. Stuff happens. I also don't carry all of them on me. I've had a bank freak out once and freeze my account for weeks. I won't depend on any one issuer.
by whodidntante
Mon Mar 11, 2024 9:26 am
Forum: Personal Finance (Not Investing)
Topic: How Much Cash Do You Keep In Your Home?
Replies: 207
Views: 14902

Re: How Much Cash Do You Keep In Your Home?

I used to keep enough to pay the trailer off. These days I'd have to go to an ATM if I needed a grand.
by whodidntante
Sun Mar 10, 2024 12:51 am
Forum: Personal Investments
Topic: Fidelity advice
Replies: 67
Views: 8018

Re: Fidelity advice

Tell them to put it in writing.
by whodidntante
Fri Mar 08, 2024 7:32 am
Forum: Personal Finance (Not Investing)
Topic: First bonus, taxed at almost 50%!
Replies: 55
Views: 3252

Re: First bonus, taxed at almost 50%!

You can file form w-4 to reduce your withholding for the remainder of the year. That's way better than getting a refund. Yes, great advice. Already did it before the bonus came through but maybe still not withholding enough. It’s very hard to predict my DH’s income from self employment which is why trying to avoid a refund is so difficult. His income fluctuates from $20K to $50K per year. This year looks lean so I lowered withholding on my W2. Still not sure we’ll break even come tax time. This year we got over $7K Fed refund … I know, not the way we should be managing our money! Reason #100 I read Bogleheads every day :D I had some really aggressive withholding in 2023 because I earned three bonuses and two were paid with the assumption t...
by whodidntante
Fri Mar 08, 2024 7:21 am
Forum: Personal Finance (Not Investing)
Topic: First bonus, taxed at almost 50%!
Replies: 55
Views: 3252

Re: First bonus, taxed at almost 50%!

Your employer had the option to withhold at the lower federal bonus rate of 22%, even if you got millions. But they didn't, and see my post above for what you can do about the problem of excess withholding during 2024. I've had large bonuses withheld both ways, marginal rate and the bonus rate, so I have some experience here.
by whodidntante
Fri Mar 08, 2024 7:10 am
Forum: Personal Finance (Not Investing)
Topic: First bonus, taxed at almost 50%!
Replies: 55
Views: 3252

Re: First bonus, taxed at almost 50%!

You can file form w-4 to reduce your withholding for the remainder of the year. That's way better than getting a refund.
by whodidntante
Thu Mar 07, 2024 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Putting in two weeks notice same day as bonus payment
Replies: 25
Views: 2775

Re: Putting in two weeks notice same day as bonus payment

Buzzman wrote: Thu Mar 07, 2024 8:17 pm One thing I learned in my 40+ year career is that your company is looking out for their best interest not yours. I gave my next to last employer a one day notice and didn't feel bad about it. I've seen many people walked out the door the day they turned in their notice. After seeing that I had my office cleared out before I turned in my notice.
Gotta agree with this.
by whodidntante
Thu Mar 07, 2024 7:58 am
Forum: Personal Investments
Topic: Career ending, getting fired. Can we FIRE ?
Replies: 149
Views: 21655

Re: Career ending, getting fired. Can we FIRE ?

LaramieWind wrote: Thu Mar 07, 2024 3:42 am I am surprised that you would be fired since you have a medical condition. Have you discussed with a lawyer?
Why surprised? The ADA requires reasonable accommodation for a disability, but OP is not well enough to work. Employers are not obligated to continuing paying someone who can't work.

Talking to a lawyer is not a bad idea as there may be protections I'm not aware of, and they can advise on a disability or SSDI claim. Long-term disability coverage would provide a lot of breathing room.

Can you get your hands on the disability policy? Probably the lawyer will want to see it, and it would be good to read it yourself.
by whodidntante
Thu Mar 07, 2024 1:47 am
Forum: Personal Investments
Topic: Career ending, getting fired. Can we FIRE ?
Replies: 149
Views: 21655

Re: Career ending, getting fired. Can we FIRE ?

You have enough assets, but I'd be concerned about having close to half of my net worth in a single asset (the house). Sometimes houses go to zero, or take a major hit in value. I've seen it happen. I get that moving is a big deal, but moving to a MCOL or LCOL area would offer higher probability of success due to increased diversification, and obviously, the lower cost of living.

Another thought. Could you transfer this idiosyncratic risk to a lender through a non-recourse loan?
by whodidntante
Tue Mar 05, 2024 8:57 am
Forum: Personal Investments
Topic: Talk me out of switching from Vanguard to Betterment
Replies: 16
Views: 1988

Re: Talk me out of switching from Vanguard to Betterment

Listening to Internet strangers debate portfolio construction has a low signal to noise ratio, if you don't have the knowledge base, temperament, and skills to evaluate what they are saying. Some get caught in a trap of trying to solve what they see as an optimization problem. It's very easy to get wrapped around the axle, trying to find the perfect allocation, perfect funds, perfect tax strategy, etc. Especially if you follow the mean variance/MPT rabbit hole, which I personally find to be flawed as a model for portfolio construction. To me it's better to take what I believe are good risks for me, and accept that there is uncertainty in the outcome. I see no reason why choosing Betterment would give you the peace and confidence you seek. I...
by whodidntante
Tue Mar 05, 2024 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Where employer match goes if I contributed to Roth 401K?
Replies: 6
Views: 595

Re: Where employer match goes if I contributed to Roth 401K?

HR is normally a terrible source of information for questions that are answered in the plan document, and there is nothing stopping you from reading that. Or otherwise, make a Roth 401k contribution and see what happens.
by whodidntante
Tue Mar 05, 2024 7:15 am
Forum: Investing - Theory, News & General
Topic: The Nuances of Tax Loss Harvesting
Replies: 7
Views: 946

Re: The Nuances of Tax Loss Harvesting

I've done something similar, yes.

I don't do automatic reinvestment because I use cash flow to rebalance, and it avoids the wash sale concern you raised. It is not necessary to be careful if you are systematic about it. I treat dividends the same as any other income, and invest accordingly.
by whodidntante
Tue Mar 05, 2024 7:06 am
Forum: Personal Consumer Issues
Topic: When to switch from dealer to independent for service
Replies: 52
Views: 4108

Re: When to switch from dealer to independent for service

I do not share the puritanical view of the dealer service department. I avoid it whenever sensible. I go to the dealer if someone else is paying or if it's something that only a dealer can do. I do sometimes buy OEM parts at a dealer, but not necessarily a local one. I've been able to get a significant percentage off of parts by shopping a bit. The service department is the primary profit center for a dealership. Warranties, paint protection, gap insurance, financing, VIN etching etc. make up a lot of the rest. Selling cars is just a side business for a dealership. I really hope that Tesla et al succeed with the direct to consumer push. Not enough to buy one of their overpriced and substandard vehicles, but I like the upset all the same. Th...
by whodidntante
Tue Mar 05, 2024 2:53 am
Forum: Personal Finance (Not Investing)
Topic: Let go from Megacorp at 42....can I retire?
Replies: 90
Views: 22211

Re: Let go from Megacorp at 42....can I retire?

Use low tax bracket years to burn down the cap gains. You can also short box spreads to reduce your effective costs for doing so. But my friend told me there are only 30 people who would need my weird tax avoidance schemes. Also, move.
by whodidntante
Mon Mar 04, 2024 8:32 am
Forum: Personal Investments
Topic: Cash for options exercise
Replies: 13
Views: 1156

Re: Cash for options exercise

I wouldn't borrow money at a high rate to buy something, unless it were a necessity. But I also don't keep an emergency fund for my whole life. I've found that margin loans, credit cards, HELOCs, and other credit thingies work pretty well for true emergencies, and they don't have tax drag or a high likelihood of a real loss if you don't use them.
by whodidntante
Mon Mar 04, 2024 7:17 am
Forum: Personal Investments
Topic: Recommended funds for HSA?
Replies: 14
Views: 1063

Re: Recommended funds for HSA?

Use your 12 month rollover to move the funds to Fidelity, and invest in whatever you like there.
by whodidntante
Mon Mar 04, 2024 7:11 am
Forum: Personal Consumer Issues
Topic: Pet accidents: hardwood vs tile vs luxury vinyl plank
Replies: 41
Views: 2656

Re: Pet accidents: hardwood vs tile vs luxury vinyl plank

The obvious solution is a rubber floor.
by whodidntante
Mon Mar 04, 2024 7:09 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337252

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For all Bonus takers, how you manage your 1099 tax forms (and possible Trades) ? Given most of the bonus monies being paid into Brokerage accounts generating multiple-1099s each - how do you personally herd all these little/big tax-cats together ? (as sometimes the brokerages don't even generate 1099s timely, happened once with M1 and/or Public.coms iirc). Some houses don't send paper-copies (or make it helluva harder to opt for Paper tax-forms to be sent) Don't even imagine the complexity - if you make any amount of trades (we rarely trade ; simply buy and hold types -- still, some times, the dividends/cash need to get invested or do a little clean-up and such.. thus generating trades. I use a tool called Google Sheets that provides sprea...
by whodidntante
Mon Mar 04, 2024 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Responding to credit card "update your income" requests
Replies: 7
Views: 1064

Re: Responding to credit card "update your income" requests

I typically type the number they're asking about in the box. It's a reasonable question for someone who offers a credit line to ask. I've been fortunate that my income has increased almost every year I've been working. I do wonder what would happen if you type zero and submit though. :twisted:
by whodidntante
Mon Mar 04, 2024 1:47 am
Forum: Personal Consumer Issues
Topic: At what point in a car’s life do you try miracle elixir fixes?
Replies: 36
Views: 3315

Re: At what point in a car’s life do you try miracle elixir fixes?

It will not work. Get the repair done or sell with disclosure.
by whodidntante
Mon Mar 04, 2024 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments with Zero Liability
Replies: 4
Views: 626

Re: Estimated Tax Payments with Zero Liability

If you do not make estimated payments, the potential consequence is you might owe a penalty, if you do not meet a safe harbor. Sounds like you are OK.
by whodidntante
Fri Mar 01, 2024 5:16 pm
Forum: Investing - Theory, News & General
Topic: The recent surge: stand pat or "sell high?"
Replies: 54
Views: 6437

Re: The recent surge: stand pat or "sell high?"

I have no idea what my investments returned in 2022. Perhaps the fiasco was localized.