Search found 6186 matches

by tetractys
Wed Mar 27, 2024 5:41 pm
Forum: Personal Consumer Issues
Topic: security issues in providing docs to tax preparer
Replies: 12
Views: 1591

Re: security issues in providing docs to tax preparer

Google is the weak link IMO, historically they periodically leak. For our business accounting we text PDFs and our CPA is also an enrolled agent.
by tetractys
Wed Mar 27, 2024 5:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard fund to ETF conversion
Replies: 9
Views: 580

Re: Vanguard fund to ETF conversion

My first concern would be about the way ETF’s are reinvested. My second concern would be about the differences in trading.
by tetractys
Tue Mar 26, 2024 10:47 pm
Forum: Personal Consumer Issues
Topic: Amazon "eligible for return" cost
Replies: 30
Views: 1963

Re: Amazon "eligible for return" cost

I looked for a similar thread w/o finding one. DW ordered a Travelon Expansion Crossbody Bag https://www.amazon.com/dp/B07MYTDJZV?psc=1&ref=ppx_yo2ov_dt_b_product_details She changed her mind after it arrived (free shipping), started a return and tried to return at Whole Foods. That was rejected. It was an "eligible for return item". She had to box it, print USPS labels for postage and battery (didn't even know it had one) and drive it to the USPS. Biggest surprise $18.05 postage to return a $48.47 purchase. Promised a credit when Amazon receives it. PSA: pay attention to what it says in the listing re seller, returns, etc. Yes, sold by Amazon, ships from Amazon. You may have to handle and pay dearly for a return. Added: Yes,...
by tetractys
Tue Mar 26, 2024 10:21 pm
Forum: Personal Consumer Issues
Topic: Favorite protein powder for shakes at home?
Replies: 75
Views: 3246

Re: Favorite protein powder for shakes at home?

lessismore22 wrote: Tue Mar 26, 2024 3:12 pm Any recommendations for protein powder that has good taste? What's the BH preference for value and quality?
Chocolate flavor from vegetables. Don’t really like the stuff made from cow hoofs.
by tetractys
Tue Mar 26, 2024 5:17 pm
Forum: Personal Consumer Issues
Topic: AC or Heat Pump in Seattle
Replies: 25
Views: 1609

Re: AC or Heat Pump in Seattle

If you live in the city just the heat pump or mini splits and air filtering. If rural skip the A/C with its inherent reduction of air quality; use cadet or quieter baseboard heaters and keep one or two air filter fans around for fire season.
by tetractys
Tue Mar 26, 2024 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards do you have
Replies: 93
Views: 4238

Re: How many credit cards do you have

1 is plenty, and my credit is enough to max it and escape to Mexico. I used to have 2 but it was a little clumsy reconciling both in one software account. The CC companies long ago stopped begging me for their business and life is peaceful.
by tetractys
Tue Mar 26, 2024 12:49 pm
Forum: Personal Consumer Issues
Topic: Good polo shirt brand that lasts
Replies: 46
Views: 5830

Re: Good polo shirt brand that lasts

Andymoler58 wrote: Sat Apr 15, 2023 3:43 pmDoes anyone know of any good polo shirt brands that will last a long time.
Nowadays all the stitching and cloth is old hat and available anywhere by whomever. Every body is a little different. The best bet would be to shop the returnables market.

You might also try a uniform store, which arguably might carry sturdier clothing.
by tetractys
Tue Mar 26, 2024 12:35 pm
Forum: Personal Consumer Issues
Topic: how to open paper milk carton "cleanly"?
Replies: 29
Views: 1873

Re: how to open paper milk carton "cleanly"?

The old style paper cartons are far less wasteful than the new style with the plastic cap insert. The only real advantage of the plastic cap is the re-seal it provides; but a properly opened all paper carton can be sealed well enough and as well with a clothes pin. I can imagine packing the old style cartons might a somewhat lost art, struggling with old equipment and modern glue. That would be interesting to look into. I used to enjoy opening the old milk cartons. Trading a nickel for a half pint was a source of pride. It was a bit of a challenge to open them perfectly. The trick was at the start with the thumbs, making sure the sides of the spout were folded all the way back as far as they could go. And then making sure the point of the s...
by tetractys
Mon Mar 25, 2024 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching parents about removing oneself from their estate
Replies: 35
Views: 3901

Re: Approaching parents about removing oneself from their estate

1. Honesty is the best policy.
2. Don’t impose victimhood on your sister.
by tetractys
Mon Mar 25, 2024 11:59 am
Forum: Personal Investments
Topic: Those complimentary dinners for retirees by investment advisors
Replies: 143
Views: 10427

Re: Those complimentary dinners for retirees by investment advisors

MnD wrote: Mon Mar 25, 2024 9:37 amThe most common one is a steak dinner at one of our favorite restaurants that is about 5 minutes away from our house.
If your not interested in their services, the only honest way to steal the meal would be to eat fast and split chuckling.

Depending on the meal, a hardy belch at the door might be in order.

I past by one of these for burial services.
by tetractys
Mon Mar 25, 2024 11:50 am
Forum: Personal Consumer Issues
Topic: Pressure Washer
Replies: 20
Views: 1582

Re: Pressure Washer

kobbiemandd wrote: Sun Mar 24, 2024 5:41 am Can anyone recommend a pressure washer for a homeowner? I would be using it a couple of times per year for house siding, concrete etc. Like most things, there are so many choices out there.
Reduce usage to every 2nd or 3rd year and rent. Avoid the added junk headache.
by tetractys
Sun Mar 24, 2024 9:15 pm
Forum: Personal Investments
Topic: buying mutual funds seems easier than buying ETFs
Replies: 64
Views: 4886

Re: buying mutual funds seems easier than buying ETFs

the_wiki wrote: Sun Mar 24, 2024 11:28 amIf you can only trade at night, I would stick to mutual funds.
+1 This is the thing.
by tetractys
Sun Mar 24, 2024 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Urgent] New build | Closure in two days | Multiple issues - Suggestions
Replies: 17
Views: 1700

Re: [Urgent] New build | Closure in two days | Multiple issues - Suggestions

Fortune wrote: Sun Mar 24, 2024 6:42 pmIn case the issues are not fixed and they do not provide with a timeline to fix, what options do we have.
How should we get assurances that they will address our concerns even after closure
What happened to your agent? Get’m on it!
by tetractys
Sun Mar 24, 2024 8:57 pm
Forum: Personal Consumer Issues
Topic: When brand names matter and when they don't
Replies: 193
Views: 11802

Re: When brand names matter and when they don't

With hot sauce it doesn’t matter at all until you find a brand you really like. Then it matters.

With bananas it’s more about avoiding the brand with the stickers that are really hard to peel off.

Gas is the brand sold on the reservation.
by tetractys
Sun Mar 24, 2024 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: unmarried with joint mortgage, can 1 deduct all interest?
Replies: 5
Views: 686

Re: unmarried with joint mortgage, can 1 deduct all interest?

You each split the mortgage interest at the same proportion you paid it. If you each paid 50/50, then split the interest 50/50 and both enter the 1098 with the interest divided by 2. Don’t take my word on it, there’s plenty of documentation to be found. Start out by web searching something like “joint mortgage.”

You don’t have to give an explanation on your tax return, since tax software doesn’t have a method for that unless you mail in the return; but be prepared incase the IRS asks.
by tetractys
Sun Mar 24, 2024 7:42 pm
Forum: Personal Investments
Topic: Dilemma of sorts…[asset allocation to reduce RMDs]
Replies: 16
Views: 2173

Re: Dilemma of sorts…[asset allocation to reduce RMDs]

IggyJo wrote: Sat Mar 23, 2024 5:05 am I am 82. My RMDs are increasing. I did not convert money from the Traditional IRA to the Roth. I am using the three Fund method now. I am thinking of putting all the Bond allotment in the Traditional IRA. Because the interest rate is lower it would grow at a slower rate. This would lower the RMD amount. I would put all the stock amount in the Roth IRA where it will grow at a higher interest rate. Your thoughts on this?
There has been a lot of talk about this tactic lately, I think because of the recent market conditions with bonds and stocks moving together counter to historical norms. As you know expected returns and market returns are two different things. Several years of bonds outperforming stocks is not a far fetched idea.
by tetractys
Sun Mar 24, 2024 7:21 pm
Forum: Personal Investments
Topic: Best time of year to pull IRA RMD's?
Replies: 13
Views: 1893

Re: Best time of year to pull IRA RMD's?

SpideyIndexer wrote: Sun Mar 24, 2024 7:07 pm
tetractys wrote: Sun Mar 24, 2024 5:00 pm
LetsTalkMoney wrote: Wed Feb 28, 2024 1:22 pmWhat's your opinion on the best time of year to pull IRA RMD's?
The best time to take a RMD is when the market is at it’s lowest point, or when the RMD offers the greatest utility. Situations vary widely.
Again, it depends. For those who are counting on the RMD funds, and the IRA is heavy in equities, the worst time would be when the market is lowest!
Correct, then vie for greatest utility. When the market is lowest would apply to a conversion.
by tetractys
Sun Mar 24, 2024 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Does ERISA *really* provide 401k asset protection?
Replies: 76
Views: 7201

Re: Does ERISA *really* provide 401k asset protection?

“Timing is everything” and “location location,” as they say. And of course, “you can run but you can never hide.”

I’ve heard the Bahamas are a pretty good place to be arrested.
by tetractys
Sun Mar 24, 2024 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Missing Entire Funds?
Replies: 26
Views: 1435

Re: Vanguard Tax Forms Missing Entire Funds?

livesoft wrote: Sun Mar 24, 2024 6:39 pm
tetractys wrote: Sun Mar 24, 2024 6:37 pm My consolidated form 1099 was 12 pages and the 1099-B didn’t start until page 3. When I was doing my taxes it took me a few tries to find it.
But the OP apparently didn't sell any shares, so all the numbers should be embedded in the 1099-DIV of the consolidated 1099, right?
Oh your right. Nevertheless pages 1 and 2 are still like searching in the jungle, and the fund list doesn’t start till page 5.
by tetractys
Sun Mar 24, 2024 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Missing Entire Funds?
Replies: 26
Views: 1435

Re: Vanguard Tax Forms Missing Entire Funds?

My consolidated form 1099 was 12 pages and the 1099-B didn’t start until page 3. When I was doing my taxes it took me a few tries to find it.
by tetractys
Sun Mar 24, 2024 5:34 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 972
Views: 111125

Re: So what are you cooking

Today’s a vegetarian day for us, and we’re busy, so I’m eating pineapple, coffee flavored steamed buns, and red beans with catchup. :annoyed
by tetractys
Sun Mar 24, 2024 5:22 pm
Forum: Personal Investments
Topic: Some reasons to help me avoid the US/exUS debate
Replies: 43
Views: 3142

Re: Some reasons to help me avoid the US/exUS debate

frankenstein wrote: Sat Mar 23, 2024 3:11 pm1. middle ground between Bogle's and Vanguard's recommendation
2. between no international and the market weight
3. AM-GM type inequality
4. significant portion of the diversification benefit

What do you think of the reasons that remind me to stay the course? :idea:
These decisions can be difficult starting out. You’ve put a lot of thought into it and your reasoning is sound.
by tetractys
Sun Mar 24, 2024 5:00 pm
Forum: Personal Investments
Topic: Best time of year to pull IRA RMD's?
Replies: 13
Views: 1893

Re: Best time of year to pull IRA RMD's?

LetsTalkMoney wrote: Wed Feb 28, 2024 1:22 pmWhat's your opinion on the best time of year to pull IRA RMD's?
The best time to take a RMD is when the market is at it’s lowest point, or when the RMD offers the greatest utility. Situations vary widely.
by tetractys
Sun Mar 24, 2024 3:32 pm
Forum: Personal Investments
Topic: Help me understand the extra work of SpecId for cost basis
Replies: 11
Views: 731

Re: Help me understand the extra work of SpecId for cost basis

1. You can pick and check off lots on the site when you sell.
2. With the new law you only have to enter the capital gain totals that are on your 1099-b
3. Sorry can’t say; hope others can answer.
by tetractys
Sun Mar 24, 2024 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9634

Re: Dedicated Financial Computer Master Thread

So how many people are using a dedicated financial computer as their only means of online access to their accounts? Any tips or tricks you think are worth sharing? I keep a single clean computer. Remember when we had to search for and extract viruses without the help of specialized software? The prevention habits we acquired then still work fine today. Dedicated computers sounds like an idea for dark webbies, porn dealers, gangsters, and the like, in which cases they might want several computers—and false identities to go with them. Or as a way to isolate business entities, although that’s not strictly a security concern. Developers use them all the time. For a while when I was customizing Windows images I did all the work on a dedicated m...
by tetractys
Sun Mar 24, 2024 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9634

Re: Dedicated Financial Computer Master Thread

TheTimeLord wrote: Fri Mar 22, 2024 12:13 pmSo how many people are using a dedicated financial computer as their only means of online access to their accounts? Any tips or tricks you think are worth sharing?
I keep a single clean computer. Remember when we had to search for and extract viruses without the help of specialized software? The prevention habits we acquired then still work fine today.

Dedicated computers sounds like an idea for dark webbies, porn dealers, gangsters, and the like, in which cases they might want several computers—and false identities to go with them. Or as a way to isolate business entities, although that’s not strictly a security concern.
by tetractys
Sun Mar 24, 2024 12:50 pm
Forum: Investing - Theory, News & General
Topic: Boeing (BA) stock: at some point it has to be a bargain
Replies: 198
Views: 19648

Re: Boeing (BA) stock: at some point it has to be a bargain

I’d like to see Boeing come back home.
by tetractys
Sun Mar 24, 2024 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Which reputable insurance company can give a home insurance policy quickly?
Replies: 23
Views: 1729

Re: Which reputable insurance company can give a home insurance policy quickly?

You might want to mention the area or at least the state. If you are in FL or CA it is quite a bit more difficult. Northwest. Not California or Florida. Best insurance in the PNW is PEMCO Pemco used to be rated A+ by Bests, but various issues over the past 20 years haven't treated it kindly. Pemco is now rated B++, and the opinion has reduced their view from Positive, to Stable. In the modern world of large and frequent catastrophes, I would not want a company rated at less than A. As a mutual company owned by its policy holders it does not have the financing opportunities available to stock companies. The rating below is the latest from 2023. https://news.ambest.com/newscontent.aspx?AltSrc=104&RefNum=247646 Why belabor a biased slant ...
by tetractys
Sat Mar 23, 2024 10:04 pm
Forum: Personal Investments
Topic: Fiduciary advisors vs not - how important do you think it is
Replies: 33
Views: 2270

Re: Fiduciary advisors vs not - how important do you think it is

I agree. They could easily surmise your best interest is their charity.
by tetractys
Sat Mar 23, 2024 9:54 pm
Forum: Personal Consumer Issues
Topic: Best Sources for Luxury Laminate Flooring
Replies: 6
Views: 713

Re: Best Sources for Luxury Laminate Flooring

Home Despot or Low’s.
by tetractys
Sat Mar 23, 2024 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really really afford a 3 million mortgage?
Replies: 104
Views: 9013

Re: Can I really really afford a 3 million mortgage?

redfan11 wrote: Sat Mar 23, 2024 8:20 pmPlanning on a career move in a few months to a VHCOL area where town homes are 3 million. ...We would literally live paycheck to paycheck. This sounds like a stupid decision.
:P
by tetractys
Sat Mar 23, 2024 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Which reputable insurance company can give a home insurance policy quickly?
Replies: 23
Views: 1729

Re: Which reputable insurance company can give a home insurance policy quickly?

shishka wrote: Sat Mar 23, 2024 6:32 am
madbrain wrote: Fri Mar 22, 2024 9:43 pm You might want to mention the area or at least the state. If you are in FL or CA it is quite a bit more difficult.
Northwest. Not California or Florida.
Best insurance in the PNW is PEMCO.
by tetractys
Fri Mar 22, 2024 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: If you don't have a will made out...do it. Now. Please.
Replies: 24
Views: 4328

Re: If you don't have a will made out...do it. Now. Please.

I had a will once. After a few years I deleted it.
by tetractys
Fri Mar 22, 2024 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which reputable insurance company can give a home insurance policy quickly?
Replies: 23
Views: 1729

Re: Which reputable insurance company can give a home insurance policy quickly?

Use an insurance company you’re already with. You’re going to get a better deal and better service anyway with everything consolidated with one company you have a good relationship with.
by tetractys
Fri Mar 22, 2024 11:07 am
Forum: Personal Investments
Topic: Can't purchase T-Bills with recent deposit to Vanguard
Replies: 51
Views: 5420

Re: Can't purchase T-Bills with recent deposit to Vanguard

This weekend I transferred money to my Vanguard account to purchase 6-month T bills. The money is listed as available in my account, but when I tried to purchase them, I received a notice that there was a seven day hold on the deposit. I've been able to invest deposits before without this hold. Is this a hold Vanguard puts on larger deposits? And, is the hold for seven days or seven business days? So that there is no wait, draw for purchases directly from your bank. I think to do that you need a linked bank account. With that you can also transfer out next day. The warning that appeared on my account states: newly deposited funds received by electronic bank transfer…are subject to a 7 calendar day hold. Are you suggesting this doesn’t appl...
by tetractys
Fri Mar 22, 2024 9:28 am
Forum: Personal Investments
Topic: Can't purchase T-Bills with recent deposit to Vanguard
Replies: 51
Views: 5420

Re: Can't purchase T-Bills with recent deposit to Vanguard

This weekend I transferred money to my Vanguard account to purchase 6-month T bills. The money is listed as available in my account, but when I tried to purchase them, I received a notice that there was a seven day hold on the deposit. I've been able to invest deposits before without this hold. Is this a hold Vanguard puts on larger deposits? And, is the hold for seven days or seven business days? So that there is no wait, draw for purchases directly from your bank. I think to do that you need a linked bank account. With that you can also transfer out next day. The warning that appeared on my account states: newly deposited funds received by electronic bank transfer…are subject to a 7 calendar day hold. Are you suggesting this doesn’t appl...
by tetractys
Thu Mar 21, 2024 9:49 pm
Forum: Personal Investments
Topic: Can't purchase T-Bills with recent deposit to Vanguard
Replies: 51
Views: 5420

Re: Can't purchase T-Bills with recent deposit to Vanguard

Tdubs wrote: Mon Jul 18, 2022 7:26 am This weekend I transferred money to my Vanguard account to purchase 6-month T bills. The money is listed as available in my account, but when I tried to purchase them, I received a notice that there was a seven day hold on the deposit.

I've been able to invest deposits before without this hold. Is this a hold Vanguard puts on larger deposits? And, is the hold for seven days or seven business days?
So that there is no wait, draw for purchases directly from your bank. I think to do that you need a linked bank account. With that you can also transfer out next day.
by tetractys
Thu Mar 21, 2024 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Traditional 401k - Tax Bracket + FICA taxes
Replies: 4
Views: 478

Re: Roth vs Traditional 401k - Tax Bracket + FICA taxes

You should consider your estimated future tax brackets.
Low future tax bracket - Traditional, defer taxes.
High future tax bracket - Roth, pay taxes now.

Some of each when you contribute enough to Traditional to lower your tax bracket enough to make further contributions into the Roth worth it.

There are spreadsheets in the wiki that assist with guestimating.
by tetractys
Thu Mar 21, 2024 12:51 pm
Forum: Personal Consumer Issues
Topic: Windshield Replacement - Zero deductible Insurance vs. Pay out of pocket
Replies: 11
Views: 1091

Re: Windshield Replacement - Zero deductible Insurance vs. Pay out of pocket

Just finished shopping around for new insurance as my premiums were growing. Three vehicles and the only claim on my record was for a windshield replacement. My new premiums are ~$300 per year higher due to that claim. Hard to tell if that was part of my rising premiums but definitely impacted my quotes when shopping. Insurance has been rising across the board. It’s doubtful a windshield claim had anything to do with it. When I was shopping for a new policy they quoted me a price without having all my details. When they bound the policy they asked if I had any claims on my prior policy and ran my drivers license number. Due to the single windshield claim they removed a discount for having no claims. They were able to show me the exact incr...
by tetractys
Thu Mar 21, 2024 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but how?
Replies: 39
Views: 2599

Re: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but h

Banks used to have kids savings accounts. Is there anything like that anymore? Test your child by giving them an expensive coin and seeing what happens. Buy a share of Disney for your child. I bought Disney shares for my kids but this was back when they still gave you actual paper stock certificates with Walt, Tinker Bell, and Mickey on the front in full color. They don’t issue them anymore so that takes all the fun out of it. Later my son castigated me over it. He said I should’ve bought Microsoft shares instead which they could’ve more easily identified with and he was so right. My dad bought me a share in the early 60’s. Some time later he mentioned it had gone up. To his dismay I ordered him to sell it. Come to think of it, that might ...
by tetractys
Wed Mar 20, 2024 11:58 pm
Forum: Personal Consumer Issues
Topic: Windshield Replacement - Zero deductible Insurance vs. Pay out of pocket
Replies: 11
Views: 1091

Re: Windshield Replacement - Zero deductible Insurance vs. Pay out of pocket

NYHawkeye wrote: Wed Mar 20, 2024 6:04 pm Just finished shopping around for new insurance as my premiums were growing. Three vehicles and the only claim on my record was for a windshield replacement. My new premiums are ~$300 per year higher due to that claim. Hard to tell if that was part of my rising premiums but definitely impacted my quotes when shopping.
Insurance has been rising across the board. It’s doubtful a windshield claim had anything to do with it.
by tetractys
Wed Mar 20, 2024 11:51 pm
Forum: Personal Consumer Issues
Topic: Flash drives vs external HDs?
Replies: 63
Views: 3920

Re: Flash drives vs external HDs?

Are you talking about solid state vs. disc? I would opt for the solid state flash even though they cost more; especially the multi terabyte—more than I would ever need.
by tetractys
Wed Mar 20, 2024 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but how?
Replies: 39
Views: 2599

Re: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but h

Banks used to have kids savings accounts. Is there anything like that anymore?

Test your child by giving them an expensive coin and seeing what happens.

Buy a share of Disney for your child.
by tetractys
Wed Mar 20, 2024 8:26 pm
Forum: Investing - Theory, News & General
Topic: Newbie here: Not clear on ETFs vs Mutual Funds
Replies: 26
Views: 1661

Re: Newbie here: Not clear on ETFs vs Mutual Funds

I should probably add that I'm obviously looking at index funds. So the ETFs and MFs should have close to equally low costs. For all practical purposes an ETF and MF as share classes of the same asset will have equally low costs. To your original question: ETFs are day traded like stocks, while MFs are traded once a day for the closing net asset value (NAV). Trading ETFs is constrained to open market hours, while MF orders can be made any time. There are exceptions, for example a stop limit order good for a predetermined time period can be made for an ETF. Trading ETFs can be very stressful and time consuming when attempting to get the best price . MF NAVs can be estimated by watching a corresponding ETF. MF dividend reinvesting is straigh...
by tetractys
Wed Mar 20, 2024 10:03 am
Forum: Personal Consumer Issues
Topic: best sequence to begin a custom home build?
Replies: 6
Views: 610

Re: best sequence to begin a custom home build?

The design depends on the land, so first the land is acquired. Next the architect designs the building(s) and landscaping according to the owners requirements. Finally the builder carries out the construction.

The land is the keystone.
by tetractys
Wed Mar 20, 2024 12:22 am
Forum: Investing - Theory, News & General
Topic: Basket of Stocks
Replies: 34
Views: 3047

Re: Basket of Stocks

copenhagen227 wrote: Mon Mar 18, 2024 10:01 pmIf you had a basket of stocks comprised of productive businesses that were relatively protected from the harmful effects of inflation, what companies would be in such a basket?
Really almost any productive business should stand up to inflation, otherwise how could it be considered productive? Every industry is going to have its pluses and minuses, falling behind and catching up within different cycles and conditions. That’s why the best “basket of stocks” to protect against inflation is the whole market. And arguably some fixed income should be added in.

Trying to pick a small basket of say 10 stocks as protection against inflation could easily backfire.