DaMan619 t1_jaeg9f1 wrote on February 28, 2023 at 9:10 PM

Reply to Vanguard Target Funds sound safe but seem risky because of the high stock percentage by Late_Following8526

Your age in bonds is from the before era in long long ago when interest rates were higher. Its 120-age in bonds now.

DaMan619 t1_j6ouy3z wrote on January 31, 2023 at 9:16 PM

Reply to Why dont people talk about Tbills, Bonds, and CD's anymore? I remember my grandmother who was an accountant had tons of paper bonds for me when i turned 18. by [deleted]

An entire generation grew up with 0% interest rates. Your not going to deprogram them from stonks only go up over night. People were turning 9% I Bonds last year because they only kept up with inflation.

DaMan619 t1_j6lz002 wrote on January 31, 2023 at 7:03 AM

Reply to comment by lalaba0987 in Do I need to report a deposit of over $10,000 from personal loan and when I withdraw the money too? by lalaba0987

Pour one out for traveler's checks.

DaMan619 t1_iug5v2v wrote on October 31, 2022 at 1:49 AM

Reply to comment by bludgeonedcurmudgeon in How accurate is Credit Karma by CASTePhYRusIO

Looks like each credit bureau got their own version.
>Once you get older than FICO 8, the naming of the FICO scores becomes a little inconsistent across credit bureaus. There is no FICO 7 or FICO 6, but there are FICO 5 and FICO 4 scores at Equifax, FICO 4 and FICO 98 scores at TransUnion, and FICO 3 and FICO 2 scores at Experian. And yes, all of those scores include the bankcard and auto loan variants.

Only difference I know if how charge cards are treated. FICO8 doesn't count them for utilization while older models use the highest reported balance as the credit limit. FICO9 made some derogatory remarks lose less points and going by OP's 80pt difference that's probably the case here.