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AerialWombat

All I want to know is: What number do I multiply annual expenses by?

AerialWombat

One surprise for me was dental expenses. I have good retirement health coverage from employer and Medicare but oh those dental expenses are on me. I had 3 crowns in the first few years and my wife has major dental issues - the latest will cost about 20k. Make sure to get a dental checkup and tell t...

AerialWombat

At this point in my approach to retirement I am all about risk management and making sure I can afford to do what I want in the early years of my retirement when I am most likely to be healthy and physically able. If I turn out to be an incredibly virile and active 80 year old I figure something ou...

AerialWombat

I normally purchase a new home and move every year. I am choosing to skip this year due to the multi-offer and inspection-waiving nonsense going on. I refuse to play that game, and encourage others not to, either. Let the market settle out, then take time to find the right house for you. If you abso...

AerialWombat

Yeah, speaking as a project-based professional services firm owner, this plan + price sounds bonkers. I don't understand what the purchaser is acquiring, and I don't know of any loan options. We got an SBA loan a couple years ago and they had no interest in considering intangibles. +1 I'm not a law...

AerialWombat

I really like “Afford Anything” with Paula Pant. My opinion is skewed because she is also a real estate investor.

AerialWombat

What is the basis for the valuation?

That’s an extremely generous price tag for a personal injury firm. What justifies that price?

I realize it’s not the question you asked, but it’s a question that needs answered to find the financing.

AerialWombat

As a buyer, I’ve done both check and wire. I prefer check, and would want check on sale.

AerialWombat

Gamma Ray wrote: ↑Fri Apr 09, 2021 9:43 pm What do we do to future proof our savings?

I dunno. Save more?

AerialWombat

Hit $61,000 :shock: :moneybag It’s crazy, for sure. Never thought I would be rebalancing from one imaginary asset to another, but I just converted some bitcoin to lumens. I assume you mean Stellar Lumens (XLM). Why is that? I am building a position to it and a hedge for XRP. Because I never thought...

AerialWombat

Corsair wrote: ↑Sat Apr 10, 2021 12:08 am Hit $61,000

It’s crazy, for sure. Never thought I would be rebalancing from one imaginary asset to another, but I just converted some bitcoin to lumens.

AerialWombat

I stopped churning earlier last year, and just now grew tired of tracking categories on other cards. This is now my main card. Simplicity.

AerialWombat

So, I've never really paid attention to this, but it looks like indexes stop moving when the markets close, while underlying stocks, and so funds that track the indexes, continue to trade after hours. So, while the S&P 500 index closed just a hair under 4100, funds that track the index have mov...

AerialWombat

Noted. :twisted: I thought the above poster was joking around? Did they do it for real? Given the phrase below the post, a joke (probably :twisted:). This thread is just a bunch of banter among friends... I don't take anything written here with seriousness. :beer I just saw the follow-up; I think t...

AerialWombat

Also 100% rent collection through the pandemic. Some utility billbacks have been slow paid, but eventually tenants caught up.

Rents raised on all lease renewals. Only churned one house, it was vacant for a day.

AerialWombat

12 months of actual cash as EF. This is based on PITI, property management, and maintenance for all rental properties + PITI on personal residence + personal living expenses. EF is part of AA. It makes no sense to me to not include it. It’s only earning 0.4% to 1.05% (HYS and CD ladder), but it’s st...

AerialWombat

I have a confession to make: I panicked yesterday because of these all time highs. Liquidated my entire 401k, including my “fun money” positions, and put it all back into Wellesley, which is where it all was until about 9 months ago. Now I don’t need to watch it gyrate. So you sold it out of one al...

AerialWombat

I have a confession to make: I panicked yesterday because of these all time highs. Liquidated my entire 401k, including my “fun money” positions, and put it all back into Wellesley, which is where it all was until about 9 months ago. Now I don’t need to watch it gyrate.

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I used to not include it in my modeling at all, but recently added it to the software I use for retirement planning. I use 75% of my age 62 benefit assuming I stop working now and am unable to replace all the zero income years that decimate my benefit calculation. This worst-case scenario would horr...

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question is why do you want to? This morning, I bought 50 shares of this ETF (about $1,000) in the "fun money" portion of my 401k. Ironically, this purchase was largely funded by my gains on Virgin Galactic. Why? For no other reason than to support a fledgling industry that I truly hope t...

AerialWombat

Is ARKX available for purchase through VG Brokerage? It’s an ETF, so yes. Vanguard does ban buying certain types of ETFs, by the way. For example, you can't purchase inverse or leveraged ones. https://investor.vanguard.com/investing/leveraged-inverse-etf-etn ARKX is neither, as far as I know. Great...

AerialWombat

Corgitodd wrote: ↑Tue Mar 30, 2021 9:08 am Is ARKX available for purchase through VG Brokerage?

It’s an ETF, so yes.

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I’m from the Rocky Mountain region, currently living in the PNW. I’m on my second Subaru, a 2016 Outback. Great in snow (yes, there are snowy passes in WA and OR). It’s a great tow vehicle. It’s easier to drive and park than a pickup. Plenty of interior room. I’ve hauled everything from debris to th...

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