u/Standard-Top-5942

Have you thought about a 530A for your kids? The idea is to contribute while they’re young, then convert the account to an IRA and eventually a Roth IRA around age 24, giving them a strong head start on tax-free retirement growth. There’s also discussion that 530A contributions could potentially become pre-tax in the future, which could make the strategy even more attractive. It could be a powerful way to build long-term wealth for your kids.

5k from ages 0-18 is about 12 million tax free (in a roth) by the time they're 65. (Assuming S&P continues its average rate over the long run).

I'm a long-term investor and the vast majority of my investments are in low-cost index funds. But I'm considering carving out a small percentage of my portfolio (maybe 2–10%) for things like individual stocks, sector ETFs, leveraged ETFs, or other higher-conviction ideas.

For those of you who do something similar:

What percentage of your portfolio is your "fun money" allocation? What kinds of investments do you put in it? Has it actually improved your returns over time, or is it mostly for entertainment/learning? Do you rebalance it back to your target allocation, or let it grow/shrink naturally?

I'm curious whether having a small "play money" allocation helps satisfy the urge to stock pick while keeping the bulk of a portfolio invested in broad index funds—or whether you've found it's better to stay 100% indexed.

What's the main difference in terms of shade tolerance and durability for kids? This is for a annual fall overseed after aerating.

North Shore MA. North facing with 3 sections (one that's morning sun, and afternoon mix, one that's late morning sun until night, and one that's afternoon sun but with some deciduous trees).

I took the TC Quiz and it says BR anr TT, but this entire time I thought I needed R2.

It doesn't have to be very nice and I'm looking for the most simple and affordable option that's safe. Just for fishing on some tidal inlets, bays, and rivers with little current. Should I hire someone for the whole thing? Just for the instal or welding? I know very basic welding but this is somewhat advanced. Bought the bough for 1.6k (pretty much brand new) FB marketplace. I regret not getting something while a steering wheel already in there, but I'm trying to do the best for what I've got. Any way to do this for like less than $500 or is that super unrealistic?

It doesn't have to be very nice and I'm looking for the most simple and affordable option that's safe. Just for fishing on some tidal inlets, bays, and rivers with little current. Should I hire someone for the whole thing? Just for the instal or welding? I know very basic welding but this is somewhat advanced. Bought the boat for 1.6k (pretty much brand new) FB marketplace. I regret not getting something while a steering wheel already in there, but I'm trying to do the best for what I've got. Any way to do this for like less than $500 or is that super unrealistic?

I did not do this intentionally but did use dining credit today and need to cancel card in on Sept 1. Will they take the $150 back? How about for stub hub and travel credit?

Anyway to get rid of this? It shows up evertime i load HBO. New laptop and newly installed firefox.

What we want is a simple wooden table for 10-15 evening dinners over the summer, and also a place to sit 2-3 times a week with a laptop or book. Not very often.

Bought the house two years ago. I've done a ton of landscaping (including cutting asphalt, reseeding lawn) and so I am a big DIY-er. But I'm reaching my limit in terms of time.

Can I just do the following?

• Pick a spot in the center of our lawn that seems pretty level.

• Maybe in the fall before I overseed again, throw down some soil and maybe a bit of sand, and really level off that part of the lawn before I overseed it.

• Throw down a wooden table and chairs. Something light enough to move each tie I mow.

• Mow that area weekly and perhaps slightly shorter than surrounding.

Questions:

• What are the downsides? Do the legs rot? I don't have an irrigation system but will water weekly in the height of summer.

• It it a way better idea to get stone pavers? I don't think I have it in me to make a walkway to those pavers, so wouldn't it look silly with a connecting pathway? Just a concrete paver island?

• Anyone done this and have advice?

This is rough estimate taking into the account that investing was done over those 6 years (thank you AI).

It is a tough pill to swallow, but I just ran the numbers and sticking with VTI instead of VOO cost me so much in lost gains over the last six years. It really goes to show how much of a drag those extended mid-cap and small-cap periods can be on a portfolio compared to the S&P 500. Has anyone else looked back at their own allocation and realized they missed out on major mega-cap tech growth by betting on the total market?

The point isn't that we KNOW that VOO will continue to outperform. The point is that it DOES make a difference, despite what everyone says.

It was the first one of these I've ever sent. Mid 30s. I know this is silly but we get along in person (and I've helped babysit) and it's discouraged me from ever texting again or thinking that he wants any sort of contact outside regular family gatherings. Am I reading this at all right? Should I try again in a few months and see? And by 2 weeks I mean 15 days (not 8 or something).