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So, I'm not a casino or sports-type gambler. But in a way, I gambled on a home building contractor. That builder ended up abandoning the job and I'm out over $140K. Now, yes, lesson learned: don't deal with contractors that require upfront before-the-job-is-done payment. Just not worth...

My wife and I (combined) are slightly past the income limits for RothIRA. So we've started contributing to tIRA - using the same source that we would have used for the RothIRA (i.e. after-tax income, direct deposited after federal withholding from our employers). [ and we're in a state with no...

Like many, I saw the cost of trades go from $20, $7, partially-free on some certain selections, to now completely free. So - now with a few years of history on this, has this been good for the market overall? And for retail traders in particular? I'm skeptical since rarely does free...

My wife worked for the VA for a few years, many years ago (over 10 years ago). She's largely ignored that account. We checked recently and it has grown to $15k. Her RothIRA is currently at $120k and she is 5-10 years to retirement. (our 401ks are larger, so this TSP and her RothIRA are just...

I was on some usual stop and go traffic on the 405. And a thought came to me: what of we thought of individual stocks as like lanes in a very wide highway? Sure, the analogy fall apart in many ways. BUT... In general, everyone is trying to move ahead. So in that regard, it shows the...

Ok, I put about 2% of my portfolio into FILL at the beginning of 2018. Things haven't been going well for it. FWIW, I did have other allocations into FUTY and FENY, which I can't complain there (FUTY is +37% for me, and FENY is over 6-7% returns). FILL is now down for me to -25%. I've...

I am considering taking a loan from my 401K to pay for a solar based electrical system. Before you say HELL NO, hear me out... - The house is paid off, ~$230K value, 2 floors (about 1500sqft each). It is all electric, no gas option. Currently $204/month for electricty (~2kwah/month --...

Over the next 10 years, I plan to start transitioning some of my growth funds into dividends funds. CEFs recently got my attention, one specifically is CHI. Calamos Convertible Opportunities and Income Fund Dividend For reference, examples of my other considerations are: RNP CCD BME QQQX...

"XNTK is a capitalization-weighted, non-leveraged, passively managed equity ETF with the benchmark index of NYSE Technology Index." I am looking for an explanation on why XNTK seems to be inconsistent with other similar Technology ETFs. [ I'm no expert, so maybe they aren't as similar as I...

I came across KBWY about a year ago. PowerShares KBW Premium Yield Equity Every question needs context, as no single investment choice can be recommended without more detailed context. I guess to summarize, I'm 40, spouse and I are both maxing RothIRA and 401K already. House, cars, etc. paid...

The following article is from 2014, but it hit on a topic that I had been wondering about for awhile: Expense Ratios don't really tell the whole story, which I assume is still the case even now in 2019. https://seekingalpha.com/article/2765665-ignore-etf-expense-ratios-maybe?page=8 So how do...

My main question is has anyone here actually used the Rule of 55 or have experience actually invoking it? Is this a federal rule/law, meaning that all 401K providers must allow this? Or do you really need to consult the 401K management team supporting your companies 401K plan to see if this...

Greetings! My wife and I would like to retire in about 10 years. We are in our early/mid-40's now. Here is our basic overall situation: 55K RothIRA 60K 401K 130K RothIRA 420K 401K 50K REITs, stocks, crypto (then some reserve cash, not a whole lot -- a few months worth)... Say...