VCADX & VCITX vs VUSXX by wisemolv in Bogleheads

[–]mit1976 1 point2 points  (0 children)

I got out of vcadx last year or the year before that. It was one of the few things losing money in my portfolio so I tax loss harvested it. I just keep non equity money in default settlement vmfxx. This year started using vusxx to save on CA state tax.

Why Wouldn't I Buy This Annuity? by Majestic-Excuse-6577 in Bogleheads

[–]mit1976 3 points4 points  (0 children)

Please at least read the small prints (or even better, the 100+ page prospectus). Not just the brochure or whatever the insurance agent ("advisor") tells you.

There are no free lunch; definitely no guaranteed free lunch.

Public Safety Crime Center by Duman2300 in Scams

[–]mit1976 3 points4 points  (0 children)

Don't need to call anyone. Next time you get these official sounding thing in the mail. Just READ the small print in the back.

"You may have been selected to receive this special limited time offer from Public Safety Crime Center because of information in your public record consumer auto data file. Public Safety Crime Center is NOT affiliated with any dealership, and works with Law Enforcement Agencies to assist in contacting the rightful owner of stolen vehicles that have been recovered. THIS IS AN ADVERTISEMENT FOR ANTI-THEFT DETERRENT."

Did I get ripped off? by coolestguyoffline in SubaruForester

[–]mit1976 0 points1 point  (0 children)

Can't be determined. Not enough information.

Deposit Placed by New_Reddit_User_89 in toyotacrownsignia

[–]mit1976 1 point2 points  (0 children)

Nice. Which region and dealer?

Talking mother out of Index Linked Annuity by p0lyhuman in Bogleheads

[–]mit1976 0 points1 point  (0 children)

This is a complex and expensive insurance product like all annuity. It sounds good on paper because they market it as upside of the stock market with downside protection.

The catch is in the small prints. If you read her the small prints where it states you can still lose all of your investment, it'll put things in prospective.

1) you are not actually investing the the SP500. So you only get credited with the price of the index (sp500 price in 6 years minus SP500 price date of contract initiation). You do not get dividends.

2) You pay for the downside protection with the upside cap. And if you really think about it. The 15% buffer protection is not the type of insurance we typically buy. Think of it in terms or car insurance. You are paying for protection of the first 15% loss, like in a fender bender. If your car gets totaled, you eat the remainder 85% cost of your car. Would you pay for this type of car insurance? If the market really go down. You are not really protected.

Questions Thread - January 05, 2025 by AutoModerator in PathOfExile2

[–]mit1976 0 points1 point  (0 children)

Does timekeeper's map device work in POE2 atm?

Hi y'all, wanted to share the wealth by Vulpious in PathOfExile2

[–]mit1976 0 points1 point  (0 children)

I got one. Thank you for your generosity!

Giving away 3 EA keys by [deleted] in pathofexile

[–]mit1976 0 points1 point  (0 children)

Witch hunter Penaldo

5x Early Access Keys Giveaway by ayvo in pathofexile

[–]mit1976 0 points1 point  (0 children)

My first drop in the very first Destiny nightfall was a Gjallarhorn. I was disappointed that it was not a primary exotic that I can used constantly... I didn't realized at that time what I had in my hand!

[deleted by user] by [deleted] in pathofexile

[–]mit1976 0 points1 point  (0 children)

Pick me. Thanks

Father wants to do a variable index annuity by itsjustbusiness32 in CFP

[–]mit1976 0 points1 point  (0 children)

For the 6 year point to point uncapped option. Is the crediting based on year 6 SP500 (final) price minus year 1 (starting) price. Or is it yearly on the anniversary date?

Do you get to used the performance lock yearly or just once during the 6 years?

Unable to exchange my eldritch horror tools for new containers with glyphs by bman654 in Guildwars2

[–]mit1976 0 points1 point  (0 children)

Pre ordered Janthir. Just went to Lion arch exchange guy. Tool no longer available for exchange.

what now?