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Finally the US is catching up to the rest of the world, where it only costs between 1.5-3% on average to sell property or a home. I think the 6% rate has had it benefits, but it makes way more sense to have the buyer work on payment for an agent. May remove a lot of the undecided buyers who pull...

From my understanding with VTMGX you don't get emerging markets exposure, which explains the slightly higher expense ratio (they both are incredibly low at 0.07% and 0.11%) because of that added work for the fun working those markets. For that reason, I view VTIAX as a better play. But they are...

Options could help you remove your profits (as well as some gains) and still maintain opportunities for growth if it continues to rise. You mentioned having $4,000 in stock in this company, and I assume over $1,250 of that is profit. You could sell all but $300 of it, and use that $300 to take a...

I think you hit the nail on the head with slowing down. We have a 1 and 3 year old, so we're still very much homebound... but we love to travel, and want to give our children experiences. So we're in a good period to accumulate and make that a reality 10ish years from now. Coincidentally I'm...

This is fantastic advice, that we hadn't even considered! Will look into it. Certainly understand and agree with what you're saying. In my 20s and early 30s, I had numerous conversations with my father about how refinancing at lower rates and investing the money was smarter than paying off...

Thanks for the comments/thoughts! by non-taxable, I just mean retirement (tax) free accounts... which is money that is building for retirement, but not accessible (without doing major damage, like early withdrawal fees and tax consequences on top of that in these high income earning years) in...

Net Wealth since Graduation (Assets minus Debts) 2005$7,500 2006$24,993 2007$44,112 2008$41,546 2009$80,113 2010$137,763 2011$92,010 2012$134,414 2013$200,620 2014$248,183 2015$200,237 2016$276,832 2017$376,003 2018$388,309 2019$579,052 2020$798,717 2021$1,014,346 2022$1,167,302 2023$1,350,893...

True, but the Fed has a habit of getting it very very wrong in both directions. They are usually chasing the market, not driving it in any reasonable way. Their job is just to make us think they are in control... so we don't all jump out the passengers side window.

found the chart... about half way down the page https://www.usinflationcalculator.com/inflation/current-inflation-rates/ Inflation has been between 0.5 to 0.6 every 2 months (0.3% Month over Month average; double their goal) since last summer when it had the sharp drop from early 2022 MoM...

Careful with the sentiment that inflation is behind us... this is the last month that last years spike in inflation is rolling off the trailing 12 month. That is the say... 1.2% of the drop in headline inflation year over year was due to the surge from May to June 2022 of 1.2%... the change in...

I just did the math for my house... it is quite bonkers. My wife and I did a lot of work to fix up the property so our properties value reflects quite a bit of investment (around $135,000 on renovations and turning it into a horse property). But we bought our house for $631,000 in 2018 with 10%...

The actual mortgage rate impact to individuals is simply math as many have said, but the rapid change in rates has much deeper and more severe consequences across banking, real estate, and even consumer behavior. Consumer Behavior - If you bought a house in our neighborhood between 2020-2021...

Howdy Neighbor. Wife and I just stopped for ice cream at a soft serve place in Purcellville, VA before the fireworks and two large cones ran us $12.57 -- The whole operation was simple two soft serve machines in what looked like a house converted to ice cream shop. Barely 150 square feet of...

I'm pretty sure if you look back far enough you'll find that Tulips have deflated from a specific date... it's all relative to the time period you're looking at. Arguing about inflation from two different perspectives would be kind of like arguing about one rate of aging, from two variable...

I think the markets are still trying to resolve the growing (or reinforcing -- for those who never expected rate cuts in 2023) point that rates are going to have to go to 6% or even 7%... regardless of .25 or .5 in this next meeting. I think the most recent rally that took us to 4150ish and...

I know market timing isn't popular here, but I think this might be a good place to get some sound advice on getting cash back into equities with the markets as red as they are. The collective knowledge and experience here is incredibly rich... In general I don't believe in timing markets (but I...

edit... just realized I posted this to the wrong forum, I'll repost where it's supposed to be. Sorry for the mistake. Please delete this if possible.

Late to OPs original question, but it's a good one that I think many face. There is no right answer, but it's definitely a good idea to look at the value of your time and health as an equation that takes into consideration both you and your partner. My wife and I are a similar age gap, but the...

Who would they be targeting for the pump though? Both my brokers block these stocks.

Some very odd behavior this week in Sears and Blockbuster (BLIAQ). Blockbuster in particular, which isn't available for the public to buy (certainly not those in the reddit crowds). In January during the Gamestop/AMC squeezes, Blockbuster rose from fractions of a penny up to 25 cents. It just...

The next million will come much easier... enjoy your 30's -- you certainly enjoy a minor reprieve from the extreme frugality of your 20's I say this, because I think many who get too comfortable in their own sacrifices run the very real risk of defining their path by the continued growth of...

100,000 is coming... sooner than we all think (2037 is my wild guess). Though I'm sure we'll see 25,000 (or even 20,000) at least two more times prior. I also suppose we'll see the first trillionaire well before then too... it's all just monopoly money, right?

I certainly had a false sense of optimism on that second set of sales, of an impending false correction's correction... also a hint of "playing with the casino's money..." which is hard to admit (for a rational minded individual like myself), but true. All reminders that... we can make...

In today's dollars $2.5M is probably the sweet spot for us (upper middle class, having grown up in a HCOL area) or about $80,000-100,000 in annual spending in retirement, assuming mortgage is paid off. Of course that's in today's dollars, and I'm 38... so in 20-25 years I would expect that...

It does appear... that doing the opposite of what seems rational (or obvious) works more often than not. Easier said than done.