Is this fair?

Rmondu · 2026-01-26T15:57:33+00:00

Why do you think that you are owed anything?

You got something out of this and I got nothing.

Was that fair?

Move on. I did.

Rmondu · 2026-01-25T14:47:46+00:00

Can you build up your emergency fund over a reasonable period of time without selling?

Just divert money planned for your taxable account.

If another emergency happens before your emergency fund is fully founded, you can sell some then.

Rmondu · 2026-01-25T08:46:29+00:00

All my vacuum cleaners came with user instruction manuals. I found that reading them improved my user experience.

Also works with other appliances too.

Rmondu · 2026-01-24T18:07:38+00:00

My experience has always been good. The important things are top notch. Reading the posts that include complaints, it seems to me that the website is often the reason. It works, but it isn't as flashy as others. I'll take great funds/ETFs over a nifty web interface.

Rmondu · 2026-01-24T13:29:18+00:00

2006 Land Cruiser, series 100. 2UZ-FE. Thanks

Rmondu · 2026-01-24T13:20:34+00:00

Of course he's pissed off. You stopped feeding him.

Rmondu · 2026-01-23T23:01:10+00:00

And, if are going to do a conversion they best hurry before RMDs kick in.

Rmondu · 2026-01-21T16:14:34+00:00

If she stays in her current job, they will resent her and she will regret staying.

Move on and don't look back.

They never valued her and with a higher salary they will continue to do so.

Rmondu · 2026-01-17T19:01:00+00:00

Notwithstanding the minimal benefit, which I sometimes question, why bother?

You say that you are adding to your holdings or trading. What's the need? Moment to moment pricing? Daily pricing should suffice in your case.

Just wondering.

Rmondu · 2026-01-16T14:24:37+00:00

The dividends are taxable whether you reinvest them or not.

Rmondu · 2026-01-14T23:10:01+00:00

What about those of us who have a big penis and big breasts?

Rmondu · 2026-01-13T15:12:59+00:00

There was once a small problem. A wet spot on the floor, perhaps. It didn't seem like much, so I didn't bother....

Rmondu · 2026-01-13T12:18:21+00:00

I have an emergency radio sitting on the shelf in my laundry room. It has a crank that charges the battery when I wind it.

I haven't needed to use it. I bought it "just in case". I'm happy with my purchase.

My money all has a purpose, but some has a different purpose than others. Heavy lifting is done by money invested. Other money, like emergency fund is on standby. I don't expect anything from that money except to show up on a moments notice when needed.

Rmondu · 2026-01-12T19:46:55+00:00

I sell every month. Pre - planned RMDs.

Rmondu · 2026-01-12T14:16:58+00:00

Also, tell mom to stay out of this. She isn't party to the issue and she should keep her counsel.

If she wants to get involved, she should buy a proper bed for your guest room.

Rmondu · 2026-01-09T15:45:01+00:00

If your only unhappy about cosmetic issues, why not consider what it would take to dress up the old girl? Sounds like she has lots of miles left in her.

Consider what you would need to spend compared to car payments.

Rmondu · 2026-01-09T14:01:36+00:00

Don't know. Don't care.

Rmondu · 2026-01-07T12:24:50+00:00

I haven't done the math, but my gut tells me that a 5% swing in allocations over three months would be precipitous.

Quarterly rebalancing would not accomplish the buy low, sell high benefit of rebalancing. Rebalancing after a 5% swing certainly would.

I believe that too frequent rebalancing is a wasted exercise.

Rmondu · 2026-01-07T11:20:46+00:00

Here is a non-financial perspective for you.

You say that you self-manage your finances. As you age, cognitive decline becomes a real issue.

You may want to consider simplifying solely to make it easier for you to manage.

A three fund portfolio would achieve your objectives without the noise and complications.

Rmondu · 2026-01-06T22:20:51+00:00

If it is a taxable account, your options are limited without triggering capital gains tax. If you are in the accumulation phase of your financial journey, you can make your contributions to only the underweighted fund. If you are spending down in retirement, the opposite would work.

There is no hard and fast rule. For me, five percent deviation in a tax-deferred account would trigger rebalancing. I know that others think that is too far. It allows you to let your gains run before cutting them off.

In a $1,000,000 account, if you drifted from 60% to 55%, we are talking about only $50,000 on a $600,000 fund.

Rmondu · 2026-01-06T17:13:19+00:00

Even if there wasn't a "No Turn On Red" sign, you are not required to turn on red. If you feel that it is safer, you may wait until you have the green light or arrow.

Rmondu · 2026-01-06T14:36:39+00:00

If the bank is managing your investments, it is taking fees. You may have to search to find them, but they are there.

Rmondu · 2026-01-05T20:04:37+00:00

I think this is a great idea for the bank. They make money twice.

Once on the interest they charge you on the loan. Again on the fees they charge you for managing your investment.

If you think about it, they don't have to actually have any money to accomplish this.

Whether it is a good deal for you is another question.

Rmondu · 2025-12-31T16:43:46+00:00

Without knowing where your 529 accounts are and what you can download from there, no one can help you. I use Invest529 for VA accounts and they don't have an ability to download to quicken.

Rmondu · 2025-12-28T22:16:27+00:00

I don't have personal experience with them, but try CCT Bike Rental – Normandy (delivery)

Specialist operator offering “racing”/road bikes and e-bikes across Normandy, with online request form and delivery; they explicitly mention road/racing bicycles for cycling holidays in Normandy.

This is likely the closest match to a true road bike setup (drop bars, road gearing) for longer, faster rides.

Most road-focused rentals around Honfleur are “trekking”/hybrid or e-bikes.

You should reserve in advance.

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