Personal Investments • Getting Started
Hi Everyone,I am seeking some advice regarding investing. I have recently just went out of College and started my first job (age 23). So far I am focusing on paying off my debt (which I did fully...
View ArticlePersonal Consumer Issues • Fogged up house windows need replacement?
Title says it all. One of our bedrooms in the winter dogs up and in the summer has tons of condensation. This same room seems very hot compared to other rooms in the summer. I know there are other...
View ArticlePersonal Investments • Updates to replicating total domestic and...
Hi! Doing my annual rebalancing and across a few accounts, I use 2 funds to replicate VTI (VOO+VXF equivalents) and VXUS (VEA + VWO equivalents). The challenge that I am having is that with the recent...
View ArticlePersonal Investments • Phoenix Capital Group
Anyone have experience (good or bad) with the following? I realize this isn't a Bogleheads modus operandi. Don't shoot please.This is also not a commercial for them. Simply...
View ArticlePersonal Investments • ROTH IRA conversion - worth it in my situation?
I am trying to determine if there is any value in converting to a ROTH IRA for me.I'm retired 5 years (69yr). I have both a traditional IRA and a smaller Roth IRA.I have a pension which mostly covers...
View ArticlePersonal Investments • Rollover IRA vs. Traditional IRA (401k rollover)
I am trying to rollover a 401k from my previous job to my IRA at Vanguard and just hit this screen which confuses me:You can move your employer plan to your traditional IRA, but there could be...
View ArticlePersonal Consumer Issues • Cancelling disability insurance: bad idea?
I'm a 50 yo, self employed optometrist, and I've been working part-time for the past 3-4 years.I plan on cutting back even further over the next year.Early in my career, I took out an own occupation...
View ArticleInvesting - Theory, News & General • Savings bonds math
As an example I was looking at next accrual for I savings bonds for November 2024 (bond issued on Jan 2008).For total price $10000, total value $18972 in November 2024, and Interest Rate of 4.18%, it...
View ArticlePersonal Investments • Newly Created Vanguard Account Not Appearing in Portal
Is anyone else having issues with new account creation today?I had opened a traditional and Roth IRA last week, without issue. Accounts instantly appeared in my online portal, and there was an...
View ArticlePersonal Investments • Small Amount Left in Traditional IRA
Hey All,Happy New Year.2024 was the first year I did a backdoor Roth IRA. Today, I went to deposit 2025’s contribution into my traditional IRA (to then convert to a Roth IRA) and noticed there was...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth IRA not converted in 2024
My wife was working on doing a backdoor Roth IRA conversion and put $7k into her traditional IRA (late December) but did not convert it before the end of the year so that the balance in her...
View ArticlePersonal Finance (Not Investing) • Niche insurance issue: coverage for...
An upcoming trip on which I may be doing a lot of cycling got me thinking about this. If it matters, the countries in question are Belgium and France.Specifically, say someone were struck by a motor...
View ArticlePersonal Investments • Vanguard Site-Outside Investments
My edited outside investments only show when editing, but not on the total count. Last moth it took a few minutes of signing back in. Today I added them all in twice and the added in numbers do not...
View ArticlePersonal Investments • IRA Rollover funds - Roth Conversion Question
I recently withdrew 50K from my TSP and rolled it over to my Vanguard TIRA. I will be gradually converting it to my Roth in 2025. My question is what happens if I invest the TIRA funds in Index funds...
View ArticlePersonal Finance (Not Investing) • RMD breaking a bond
Doing my first RMD.I didn’t realize Schwab would break up a bond. I assumed I would have to cash out the entire for example 40,000 bond to get the 17,500. It has to be in 1000 dollar increments...
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