Horseman

For those smart enough to look at any real polling so far dont forget to move Vivek's votes into the Trump column.

Just from Nate Silver "Poor track record" "American Resesrch Group has long been unreliable" "They do not appear to be very good at their job" It's not a real poll. Educate yourself on what click bait means. FFS.

You have to downplay and backtrack every post you make.

Go ahead and read the Wiki page on American Research Group and report back. I wont quote any of it here as not to embarrass you too bad. .

No they dont.

At $40 dollars a day in the garage instead of $15 in a lot next door. Smart!

One way aisles in Walmart made all the difference imo.

Tesla people are like timeshare people. They just refuse admit they got duped.

Only because we've seen fixed income stop being inversely correlated to stocks during covid and in the downturn in 2022. My point/discussion item #3. That's a short time period though and I am probably wrong. Just a discussion if 60-40 or 50-50 portfolios are still relevant to retirement age investors. The recommended allocations in the book feel really conservative. I automatically put myself in the mid-life investor category. And yes it all depends on the individual investor's risk tolerance. 100% spot on book for investment strategy though for sure. Appreciate you recommending it. You should be able to tell that my allocations follow that book pretty closely.

As I move towards retirement I'm moving out of individual stocks and into very low cost mutual funds and ETFs. In my main retirement account I am using a mix of Fidelity's ZERO cost funds along with some others that are very low cost. If you use Portfolio Visualizer you can see that FSKAX (Fidelity ZERO cost total market mutual fund) and VTI (Vanguard Total Market ETF) are the exact same thing, for example, so it doesn't really matter which one you use. And you can buy and sell between the two for tax harvesting. I like mutual funds in retirement accounts though because you're always buying them at the NAV price. I like ETFs in taxed accounts because they can use rules that allow them to reinvest dividend and such without being taxed. My company pays for a financial advisor who I trust that I vet all my changes through. He uses some sort of software to do cash flow analysis, but, I don't really use any software for picking the funds. Morningstar if it's something I've never heard of. Almost all of these funds I am taking about target some sort of index fund. That makes them virtually all the same anyway, see portfolio visualizer. But, they are efficient and low cost. For example: Big Cap - VV Sm Cap - VBR Micro - IWC International - VXUS Reit - VNQ Bond - BND High Y Bond - USHY Where VV = FNILX, VBR = FZIPX, etc. If you went with mutual funds. OR just go simple: VTI - FSKAX VXUS - FZILX BND - FXNAX Note: Bonds aren't so great in taxable accounts because, well taxes. In my next meeting with my financial advisor we are going dive into tax efficient municipal bonds versus yield on corporate bonds that are subject to higher taxes and where that break point is. Right now I'm just using VTEB and VTES.

Yeah, they should have known their cars wouldn't have worked, AT ALL, when it gets cold. Every. Single. Post.

The point of this thread was a joke from the beginning.

Atta Boy! We've been doing the same for several years now. New Limits 2024 401k/401k Roth: $23,000 plus $7,500 catchup if over 50 = $30,500 After Tax 401K: $69,000 plus $7,500 catchup if over 50 minus $30,500 above = $46,000 (mega backdoor) HSA: $8,300 plus $1,000 catchup if over 55 = $9,300 Roth IRA: $7,000 plus $1,000 catchup if over 50 = $8,000 (backdoor) Total = $93,800 Plus probably another $20,000 or so from the wife's IRA and SEP. Won't know until we file taxes.

First step is to knock out the CC debt. After that can you afford 15% into retirement funds? Do that and then anytime you can make double payments on the mortgage do so. When interest rates come down look to refinance. If I remember right the break even point for closing cost refinancing is around a full percent. It might be that you refinance a couple different times. When you do look to see if changing it to a 15 year loan makes sense.

The RNC pushed all their chips in on DeSantis? Every post is something dumber.

Lots of people gave a mortgage in retirement. It just gets added into the amount of spend per year. And there are things to make sure you're taking advantage of with your retirement accounts before just paying off a mortgage. Any other debt?

30 year fixed?

If you're talking about me I'd love for people to tell me where I'm wrong. Strike recommend some reading the changed my thinking quite a bit. I'm done working so I've made getting to retirement and financial Independence my hobby. I absorb as much as I can. I regularly meet with a financial advisor my company pays for. I'd like to think I know quite a bit. More than the average investor for sure. And it's a much better topic than politics. But so sorry if that bothers you your majesty.

I wouldn't say so. Some people dont, but, I would count any equity as part of your net worth. You're good as long as housing prices dont go upside down. Sucks if you have today's interest rates though.

At age 50 the clock isnt going to run out for 30 more years. But yeah 2m (40%) making 5% is a good amount safely. Very convincing.

Oh ok. So when you said Biden is the only one Trump can beat that doesnt include Non-moderates Kamala Anyone you think wont win a primary. Anyone else you want to add to the list that Trump can beat?

Biden is the only one Trump can beat in the general! Meanwhile in the Dems bullpen:

Yeah you walked back your statement after you realized how dumb it was. Do that before you post next time.

Dumbass thinks Trump is running for governor

Oh so now there are some "moderate" and "not Kamala" exceptions is this absolute statement. More knee jerk retard posting.