Search found 1084 matches

by annu
Wed Aug 09, 2023 12:02 pm
Forum: Personal Investments
Topic: Vanguard, Convert from Mutual Funds to ETF?
Replies: 19
Views: 4113

Re: Vanguard, Convert from Mutual Funds to ETF?

I personally prefer ETF as these can be moved. Infact have gotten more money in bonuses by moving my account, then whatever you will end up with by transferring from MF to ETF, unless ofcourse you have millions of dollars invested, which I really do not. Thanks for your reply. What kind of "bonuses"? Returns on the actual investments? I'm under the impression that the Mutual Funds and ETFs perform essentially the same. Also, why would it matter if millions of dollars were involved? Sorry was not clear, bonuses are when you move your account from one broker to another...but offers will vary based on how much you have in account. Millions was referring to what you will save by converting from MF to ETF, for example .04% expense rat...
by annu
Wed Aug 09, 2023 11:37 am
Forum: Personal Investments
Topic: Money for major home repairs - where should it come from?
Replies: 10
Views: 1899

Re: Money for major home repairs - where should it come from?

Outer Marker wrote: Wed Aug 09, 2023 7:24 am Sinking half of your investable assets into home repair seems pretty drastic. What is the nature of the repairs? Will it markedly increase the home value, e.g. major addition? What is the current value of the property? I'd carefully weigh all alternatives including selling and moving permanently.
I second this. $100k is alot, and do you need to pay all of it upfront in one go?
by annu
Wed Aug 09, 2023 11:32 am
Forum: Personal Investments
Topic: Asset Allocation for Medium Term Savings
Replies: 2
Views: 584

Re: Asset Allocation for Medium Term Savings

ONly thing will like to share, look into USFR, https://www.wisdomtree.com/investments/ ... ncome/usfr. I moved all money from SWVXX to this, as get higher yield, also state tax exempt advantage.
by annu
Wed Aug 09, 2023 11:27 am
Forum: Personal Investments
Topic: Incoming Bonus: Invest or larger down payment for primary house
Replies: 23
Views: 3401

Re: Incoming Bonus: Invest or larger down payment for primary house

USFR is paying upwards of 5.3%, https://www.wisdomtree.com/investments/ ... ncome/usfr
Atleast for next 1 year or more, I will personally invest there, as it is higher yield than your mortgage. 3.9% is good rate, I will personally not pay it off, when there are HYSA accounts paying 5%+
by annu
Wed Aug 09, 2023 11:21 am
Forum: Personal Investments
Topic: Vanguard, Convert from Mutual Funds to ETF?
Replies: 19
Views: 4113

Re: Vanguard, Convert from Mutual Funds to ETF?

I personally prefer ETF as these can be moved. Infact have gotten more money in bonuses by moving my account, then whatever you will end up with by transferring from MF to ETF, unless ofcourse you have millions of dollars invested, which I really do not.
by annu
Wed Jul 19, 2023 5:58 pm
Forum: Personal Investments
Topic: Taxable event or not?
Replies: 18
Views: 1823

Re: Taxable event or not?

Wiki has lots of relevant info: https://www.bogleheads.org/wiki/401(k)
Main wiki link:https://www.bogleheads.org/wiki/Main_Page

Anotherone very useful on prioritizing investments:https://www.bogleheads.org/wiki/Priorit ... nvestments
by annu
Mon Mar 06, 2023 3:36 pm
Forum: Personal Investments
Topic: Money Market Account
Replies: 9
Views: 1157

Re: Money Market Account

Buy tbills, in addition to high interest yield currently. you do not pay state taxes on them, so they will yield even higher.
if you do not want to go the treasurydirect route, Fidelity will do it for a fee, Schwab is free, but it is per trade and like ~$30 or less.

You have option to buy 3 months to 9 months(most attractive rates) and even longer durations. You can see rates below:

https://home.treasury.gov/resource-cent ... value=2023

If sounds too confusing call your broker, they will do it for you(either free as in schwab or for a nominal fee at fidelity). You can call and check with Vanguard as well.
by annu
Mon Feb 20, 2023 4:12 pm
Forum: Personal Investments
Topic: Rebalancing 401K for 2023
Replies: 16
Views: 1854

Re: Rebalancing 401K for 2023

Definitely move out of the Contrafund, high expense ratio, and even the fund page shows, it has been beaten in all intervals( 1year, 3 year, 5 year, 10 year, life) by S&P500
by annu
Sun Feb 12, 2023 11:32 pm
Forum: Personal Investments
Topic: Simplifying & Rebalancing. Please check my assumptions.
Replies: 4
Views: 659

Re: Simplifying & Rebalancing. Please check my assumptions.

Looks like you do not have Fidelity anywhere, you can just buy their Total US and Total World ETFs instead and switch to VTI/VXUS when you are done.

While is quite similar in performance, but it only has 500 vs ~4k+ companies in VTI
by annu
Fri Sep 16, 2022 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates and closing
Replies: 10
Views: 1577

Re: Mortgage rates and closing

doss wrote: Fri Sep 16, 2022 1:11 pm
annu wrote: Fri Sep 16, 2022 12:47 pm So was able to lock @ 4.25% 15 years fixed, with 2.5 points
Did they give you a rate if you went 30yrs fixed? If so, what was it?
I could have gotten 4.875 with .7 points, and 5.25 30 year fixed with zero points
by annu
Fri Sep 16, 2022 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates and closing
Replies: 10
Views: 1577

Re: Mortgage rates and closing

So was able to lock @ 4.25% 15 years fixed, with 2.5 points
by annu
Tue Sep 13, 2022 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates and closing
Replies: 10
Views: 1577

Re: Mortgage rates and closing

Thanks a lot. One more, ARM rates are surprisingly lower, especially fro 5 year, almost 1 %, I have not done these in past, but seem like good option, especially if closing cost is on the lower end.

Any thoughts? I am not worries about job/income, but not sure if rates have historically come back down in a matter for 5 years, or it takes a lot longer for interest rates to come back to normal.
by annu
Tue Sep 13, 2022 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates and closing
Replies: 10
Views: 1577

Mortgage rates and closing

I recently posted about buying home for my parents and thanks to responses from the folks here was able to get the ducks in row on financing side. Finally have a found a home that they liked and offer was accepted as well. I have through end of october to close, so started working with few lenders. This is where I am seeing lots of craziness, looks like rates are varying almost on a daily basis, and it is also not a small change, 30 year for example changed by more then .75% between end of August and now. I have no experience dealing with this, bit will need to pick when to lock the rates. Since I still have several weeks(atleast unitl end of September), can possibly wait if it makes sense to possible save on rates/costs, but need some guid...
by annu
Fri Sep 02, 2022 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buying(mortgage) home for parents
Replies: 7
Views: 1184

Re: Buying(mortgage) home for parents

Thanks a lot folks. I have been able to close on the process, now just making my folks to agree on a house they can both agree on. Luckily with market cooling down, they have lots of choices now
by annu
Wed Aug 17, 2022 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buying(mortgage) home for parents
Replies: 7
Views: 1184

Re: Buying(mortgage) home for parents

Quick update, looks like info is very scarce. Current stuck on one of the requirements. Currently stuck on Parent’s Social Security award letter. Have tried few times to call, but just stuck on wait. Anyone with any experience on how to get the letter. if it helps in Oregon.

Parents have upcomming medical procedures(even though nothing major), but isolating as if they get Covid it will have to be rescheduled and very tough to get new dates again, so they cannot go to the office and find more information
by annu
Mon Jul 25, 2022 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell the first home? Which is better
Replies: 20
Views: 1692

Re: Rent or Sell the first home? Which is better

It is really simple actually. Do you need the money from selling the home? if yes, please go ahead. if answer is no, especially now withe market the way it is, you will not get as much return as beginning of the year. Its like selling a stock when it is price is down. Well only time you should do that if you need the money, and long term outlook is not good. With that out of picture, atleast through 2026, you have 20% deduction on any profits from the rental income, this is assuming after the expenses and home depreciation leaves any net rental income, adding more info on depreciation if you do not know. Over that period of time the property wears out – or depreciates – at least for tax return purposes. If you're a real estate investor, eac...
by annu
Mon Jul 25, 2022 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying(mortgage) home for parents
Replies: 7
Views: 1184

Re: Buying(mortgage) home for parents

I am glad this helped you, I am still going to keep on looking and will update here, so may help others who can use the information as well
by annu
Mon Jul 25, 2022 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying(mortgage) home for parents
Replies: 7
Views: 1184

Buying(mortgage) home for parents

Need some help with an option I just got aware of. Looks like there is an option for Buying homes and hence mortgage called Fannie Mae Family Opportunity Mortgage(more info at https://mymortgageinsider.com/buy-home-for-elderly-parent-best-interest-rates/), quick summary below: Lenders give the best mortgage interest rates and terms on “owner occupied” home purchase loans. “Owner occupied” simply means that the people buying the home plan to live in it. But there is a situation in which lending rule maker Fannie Mae allows you to buy a home as an owner occupied residence, even though you don’t plan to live in it. This exception is when you are buying a home for elderly parents. This loan option is sometimes referred to as the Family Opportun...
by annu
Sat Jul 09, 2022 9:20 pm
Forum: Personal Investments
Topic: Changing houses to take advantage of $500k capital gain exclusion in planning home sale
Replies: 21
Views: 4239

Re: Changing houses to take advantage of $500k capital gain exclusion in planning home sale

Where do you see the change for credit score screening? That seems weird...maybe for section 8 housing??? Do you need the money? If not, rental is an option.. If home is is in good neighborhood, screen candidates using zillow(rental history and all), you should do well. We wouldn’t rent it out as Portland has become very anti-landlord. You are no longer able to screen renters using credit scores and you can’t disqualify someone from renting if they have a felony conviction older than 7 years or a misdemeanor older than 3 years. It’s a City of Portland ordnance that was passed in 2019. As a landlord, I wouldn’t own rental property in Portland even if you gave me the house for free. https://tmgnorthwest.com/everything-you-need-to-know-about-...
by annu
Sun Jul 03, 2022 1:37 am
Forum: Personal Investments
Topic: Changing houses to take advantage of $500k capital gain exclusion in planning home sale
Replies: 21
Views: 4239

Re: Changing houses to take advantage of $500k capital gain exclusion in planning home sale

Where do you see the change for credit score screening? That seems weird...maybe for section 8 housing???

er999 wrote: Fri Jun 24, 2022 5:38 pm
annu wrote: Fri Jun 24, 2022 3:46 pm Do you need the money? If not, rental is an option..

If home is is in good neighborhood, screen candidates using zillow(rental history and all), you should do well.
We wouldn’t rent it out as Portland has become very anti-landlord. You are no longer able to screen renters using credit scores and you can’t disqualify someone from renting if they have a felony conviction older than 7 years or a misdemeanor older than 3 years.
by annu
Fri Jun 24, 2022 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: I want to buy a Multi-family (3 unit) is this the right time?
Replies: 6
Views: 1503

Re: I want to buy a Multi-family (3 unit) is this the right time?

Only do single family. Closing on one in July, will probably do ARM and hoping in few years rates will get lower.

Real estate will be impacted as well, but not knowing your location cant say more, if you don't expect impact of layoffs and there are multiple employers in the area, based on numbers you mentioned, especially once you move back and can also live there while renting.....should be a good house hack option.

How do you plan on renting the property? Does tourism have any play? How much have homes appreciated there? Any changes to rental rules/regulations coming up?
by annu
Fri Jun 24, 2022 3:46 pm
Forum: Personal Investments
Topic: Changing houses to take advantage of $500k capital gain exclusion in planning home sale
Replies: 21
Views: 4239

Re: Changing houses to take advantage of $500k capital gain exclusion in planning home sale

Do you need the money? If not, rental is an option.

As you can rent it out, and as long as you are aware of The 2-out-of-five-year rule, that requires that you must have lived in your home for a minimum of two out of the last five years before the date of sale...
So you do not have to sell the home right away.....

Infact once it becomes rental, you can use 1031 exchange, to avoid paying capital gains.....tax laws can change, but if I remember correctly you have until 2026.

If home is is in good neighborhood, screen candidates using zillow(rental history and all), you should do well.
by annu
Tue Jun 14, 2022 1:15 pm
Forum: Personal Investments
Topic: T Bill Auctions
Replies: 8
Views: 872

Re: T Bill Auctions

increment wrote: Tue Jun 14, 2022 12:25 pm
JIMX7 wrote: Tue Jun 14, 2022 12:13 pm Do you receive a form from the government on the earned interest or is that something you keep track of ?
Which outfit are you planning to hold the bonds with? If it's a brokerage, then these data are on your brokerage statements and your brokerage's annual 1099-INT tax form. (I believe that with Treasury Direct you need to fetch these data manually.)
Looks like new Treasury direct has INT form available, like for CDs, so same.

I have quick question though, I just submitted for june 16th auction, an order for 8 weeks. It looks it is not guaranteed to be fulfilled? I just picked duration(8 weeks), Security type(T-bill), but nothing else, is there some place to customize your bid?
by annu
Tue Jun 14, 2022 1:00 pm
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 316
Views: 56701

Re: Any experience with Toyota Income Driver Notes?

kapios wrote: Tue Jun 14, 2022 7:35 am Here are the yields on some US Treasury bonds as of this morning:

3 month: 1.8%
6 month: 2.4%
1 year: 3.1%
2 year: 3.3%

You can buy bonds by opening an account in Treasury Direct or other brokers like Fidelity, Vanguard etc for no cost.
I have bought i-bonds, nothing else. What is the penalty if withdrawing earlier? I need to park money for next 2 to 4 months.

Well as far as I understood, saw 8 weeks being offered as below
8-Week 912796XL8 06/14/2022 08/09/2022 1.150% 1.168%

Well it is pretty close to 1.5, and alos duration is 8 weeks, that works for me, so will buy some next available date, that seems to be 16.
by annu
Tue Jun 14, 2022 12:02 am
Forum: Personal Investments
Topic: Lump Sum or DCA Back into the Market
Replies: 23
Views: 2761

Re: Lump Sum or DCA Back into the Market

many posts have said there is no difference long term. That being said, it guess it depends on ones age and what long term is. Interestingly, my wife and I retired 4 months ago. we had consolidated some retirement funds to Schwab. I had about $600K in cash in early february when things started to crater. (if you can't be smart, be lucky).. I have been doing two things. not sure if it's right but , i am good with it. 1. i have very slowly moved a percentage in equity on down days up until the market drop friday. On Friday , I completed with a purchase of 75/25 which has brought my entire portfolio to 58/42. (30% of the 42 is cash and still moving to Tbills). I expect the market to continue down and could have done it slower but have been wr...
by annu
Mon Jun 13, 2022 4:56 pm
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 316
Views: 56701

Re: Any experience with Toyota Income Driver Notes?

smihaila wrote: Mon Jun 06, 2022 6:53 pm They probably activated the "new procedures" which I've also been advised about for the GM RightNotes.
You may need to submit proof of ID and banking / CU account number as source of funds. You can use the e-mail, and making sure to mention the Toyota Income Driver Note number in full (found in the Welcome e-mail).
Thanks, yes this is what it was, even though online seemed all approved, I had to call, send a copy of my id and bank accounts :(
All set now
by annu
Mon Jun 06, 2022 1:48 pm
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 316
Views: 56701

Re: Any experience with Toyota Income Driver Notes?

My account status says frozen. Had setup automatic money transfer from my bank account as well but nothing besides the first welcomr email.

Do i need to call and talk to them?
by annu
Sat May 28, 2022 11:44 pm
Forum: Personal Investments
Topic: Offsetting Mortgage with Callable Agency Bond
Replies: 25
Views: 2300

Re: Offsetting Mortgage with Callable Agency Bond

Money intended to buy a car, that i dont plan to anymore, as working remotely..so if only risk is money will be available earlier...not bad at all
by annu
Sat May 28, 2022 11:11 pm
Forum: Personal Investments
Topic: Offsetting Mortgage with Callable Agency Bond
Replies: 25
Views: 2300

Re: Offsetting Mortgage with Callable Agency Bond

I have invested in VWIUX, the vanguard muni bond fund, this looks like a much higher yield option and also is state tax free. What is the risk i am missing here, as it is almost 1% more yield. https://investor.vanguard.com/mutual-funds/profile/VWIUX Also is the tax free status for other states as well? I am not in California I'm not sure you have that right? The VWINX fund has an SEC yield of 2.94%, well below the FFCB yield I quoted of 4.35% (now 4.0%). Also the FFCB is duration-matched, the VWINX fund is not, and as noted the VWINX risk is much higher. So VWINX doesn't seem a good candidate to offset a 10 year mortgage. The callable bond from FFCB is state tax free, but taxable on a Federal level. Sorry, yes meant your posted bond seems ...
by annu
Sat May 28, 2022 10:59 pm
Forum: Personal Investments
Topic: Offsetting Mortgage with Callable Agency Bond
Replies: 25
Views: 2300

Re: Offsetting Mortgage with Callable Agency Bond

I have invested in VWIUX, the vanguard muni bond fund, this looks like a much higher yield option and also is state tax free. What is the risk i am missing here, as it is almost 1% more yield. https://investor.vanguard.com/mutual-funds/profile/VWIUX This is a fine fund if you are in a high enough tax bracket that munis make sense. However, the yield difference is a risk issue. Agency bonds, even if not officially backed by the US Goverment (GNMAs are), have an unofficial backing; the government backstopped FNMA in the 2008 housing crisis. Municipal and corporate bonds can default, and thus investors will only buy them at prices which give them higher yields. Currently, the market is expecting significant default risk. Comparing taxable bon...
by annu
Sat May 28, 2022 8:42 pm
Forum: Personal Investments
Topic: Offsetting Mortgage with Callable Agency Bond
Replies: 25
Views: 2300

Re: Offsetting Mortgage with Callable Agency Bond

I have invested in VWIUX, the vanguard muni bond fund, this looks like a much higher yield option and also is state tax free. What is the risk i am missing here, as it is almost 1% more yield.

https://investor.vanguard.com/mutual-fu ... file/VWIUX

Also is the tax free status for other states as well? I am not in California
by annu
Fri May 27, 2022 10:03 am
Forum: Personal Investments
Topic: Unable to buy VWIUX at Schwab
Replies: 13
Views: 1417

Re: Unable to buy VWIUX at Schwab

Many brokerages offering upto $1500 to move to them....so just move. I will not move to Vangaurd, as feel pretty much everyone else has better website and capabilities.
by annu
Thu May 26, 2022 11:21 pm
Forum: Personal Investments
Topic: Investing Money Being Saved For A House
Replies: 3
Views: 751

Re: Investing Money Being Saved For A House

1 or 2 years probably not worth to risk being 10% down when you find something you like. I was not aware of them, but check toyota income driver notes(there are posts on this forum). They yield 1.5% and you can withdraw anytime.

If you can definitely wait 1 year, then you can invest into I Bonds as well, yielding very high(9%+)
by annu
Tue May 24, 2022 3:28 pm
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 316
Views: 56701

Re: Any experience with Toyota Income Driver Notes?

myleaf wrote: Tue May 24, 2022 8:29 am Toyota Income Driver Note page is showing 1.5% interest. Rate effective as of May 24, 2022
Thanks a lot.
Just created an enrollment, hopefully will be done quickly. Quick question around taking money out as i might need it in 2 to 3 months, taking money out should be pretty quick through ACH, but should i worry about what day I take out the money? Should i submit request on 1st day of the month to not lose monthly interest? Or is the interest given out until the day you take money out?
by annu
Mon May 23, 2022 11:28 pm
Forum: Investing - Theory, News & General
Topic: What broker to open account?
Replies: 20
Views: 2463

Re: What broker to open account?

etrade offering upto 1500 for moving money/securities to them.
by annu
Mon May 23, 2022 11:24 pm
Forum: Personal Investments
Topic: Formulating Financial Plan for Parents
Replies: 6
Views: 1079

Re: Formulating Financial Plan for Parents

Will you DCA or go lumpsum :?: Through elections, market can swing, it should not matter in long run, but as you mentioned your dad has low risk tolerance, atleast teaching him about tax loss harvesting will be useful. Also for rebalancing if he gets worried, do not like Target date funds at all. Prefer Total market option much more. as probably better QDI, check the worksheet https://institutional.fidelity.com/app/ ... 842880.PDF

QDI with total market is more than 99%
While 2020 target fund" see multiple, so you can confirm which one you are going with
by annu
Mon May 23, 2022 10:30 pm
Forum: Non-US Investing
Topic: Please advise me on my portfolio [UK]
Replies: 10
Views: 1901

Re: Please advise me on my portfolio

So your investment horizon is less than 5 years? if yes, than dont know what a good option is.

Is the life strategy fund in taxable? One quick thought on all world in tax advantaged, even though it is not a lot, but you cannot use the tax credits for foreign taxes paid.
by annu
Mon May 23, 2022 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: How does paying down this mortgage work?
Replies: 16
Views: 2098

Re: How does paying down this mortgage work?

If you can, will suggest to instead get I-bonds right away and take that money out in a year, you will get interest @ 8%+ for next 1 year(if not more). You can $40k between you and spouse. While everything has risk, but I-bonds probably the least risk. However if they fail, probably will not need to pay mortgage anyways :D
by annu
Fri May 20, 2022 11:09 am
Forum: Personal Investments
Topic: Looking for Portfolio advice
Replies: 17
Views: 1600

Re: Looking for Portfolio advice

Possible to maybe invest in yourself, maybe training/certification that will help increase your income? Everything you do, saving, investment, is going to ber %age of your earnings, so if you have not looked into this probably a good idea....

I will recommend againts reits, in my personal experience they are nothing like real estate.
Also look into i bonds, very decent option, maybe you can move some of your emergency funds into i bonds.

And dont worry about catching up, that is how you can end up buying risky investments like Luna :shock:
But best thing you can do, explore opportunities to incease take home.

Best of luck
by annu
Fri May 20, 2022 10:58 am
Forum: Personal Investments
Topic: Question about these investment types
Replies: 17
Views: 1035

Re: Question about these investment types

Is this recommendation for cash maybe? Even that as already mentioned is borderline unethical. But if this also includes 401k/roth, you should report the adviser, they do not have to be fudiciary, but cannot defraud clients either
by annu
Thu May 19, 2022 10:58 pm
Forum: Personal Investments
Topic: Naming a Trust for the sole purpose of scoring additional I-bonds
Replies: 11
Views: 1782

Re: Naming a Trust for the sole purpose of scoring additional I-bonds

Ours is just FirstName+LastName+Family Trust
by annu
Thu May 19, 2022 10:56 pm
Forum: Personal Investments
Topic: Target Date Tax Advantaged Alternative?
Replies: 5
Views: 978

Re: Target Date Tax Advantaged Alternative?

I have other holdings in real estate that I prefer over bonds, so my investments are mostly(95% stocks, 60% VTI, 25% VXUS, 10% VWO: ALL US, ALL World except US, Emerging markets respectively).

The international ones do result in some tax filing work, but pay CPA, so he covers it for me.
by annu
Wed May 18, 2022 10:00 pm
Forum: Personal Investments
Topic: When to enter the market?
Replies: 56
Views: 6001

Re: When to enter the market?

Doctor Rhythm wrote: Wed May 18, 2022 9:52 pm Could have bought stocks at a 4% discount today!
How do you know they will not be 10% discount tomorrow, better not to buy the dip, just buy on schedule....hurt from trying to catch a falling knife is real
by annu
Wed May 18, 2022 9:58 pm
Forum: Personal Consumer Issues
Topic: Smoke / CO Detector Combo Units
Replies: 8
Views: 916

Re: Smoke / CO Detector Combo Units

I buy the Costco ones :happy , never even looked further. Since they sell them in multiples, and also they do not need power(battery operated), I am sure I have 2x the required installed
by annu
Wed May 18, 2022 9:55 pm
Forum: Personal Consumer Issues
Topic: Experiences with Incogni data removal service?
Replies: 4
Views: 779

Re: Experiences with Incogni data removal service?

You trying to remove some articles about you? Or data captured by ISPs that identifies you?
by annu
Wed May 18, 2022 9:38 pm
Forum: Personal Investments
Topic: Best way to save for next home in 5 years?
Replies: 4
Views: 881

Re: Best way to save for next home in 5 years?

You can do 20k per person in I Bonds, since interest rates are high...also more if you have an estate
by annu
Wed May 18, 2022 9:37 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Partner for VBTLX
Replies: 9
Views: 1466

Re: Tax Loss Harvesting Partner for VBTLX

Might sound dumb, but TLH is only for taxable accounts, a buddy of mine "TLH" his 401k, and left his taxeable untouched, as did not want to deal with taxes :oops:
by annu
Wed May 18, 2022 9:34 pm
Forum: Personal Investments
Topic: Real Estate Investments
Replies: 18
Views: 3075

Re: Real Estate Investments

Landlord horror stories while true, you can minimize risk by investing Class A properties only, screening renters well, and treating like others have also said treating buying house as a business, where your renters are your customers and you treat them with respect. Real estate investment, are definitely not passive and do not compare to stocks at all, but at the same time it is not like you will get calls non stop on random issues popping up. You can hire a management company, who will act as buffer for you, but for the service they provide, they will take fee, just like working with money managers for your investment... Also Airbnb is a lot more work, than long term rentals. Look into roofstock.com, they let you look at inspection report...