Personal Finance (Not Investing) • Question for those who have sinking funds
HiI have had sinking funds since I was a teenager (used the envelope system). Now I have them in my HYSA. For some of them I have accumulated a lot, I am wondering if you have a cap for them and then...
View ArticlePersonal Investments • Friend Inherited Large after-tax $$. How to invest...
Hi Bogleheads,[edited to add more Social Security details]My friend has inherited a large After-Tax amount from her mother. I'm looking for advice on how she should invest the After-Tax portion in a...
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Personal Finance (Not Investing) • How to think about saving/investing goals...
Hey all, my partner and I are trying to think through a minor predicament: how should we think about saving over an uncertain time horizon? We currently live in the LA metro area, where a house is...
View ArticlePersonal Investments • T-Bills vs HYSA? 4.7 YTM vs 4.25 APY?
Hello,I have about 100,000 USD that was in my HYSA earning 4.25% APY. I used to get $350per month in interest.After looking at some youtube videos, I moved all of it to a brokerage where I am...
View ArticlePersonal Investments • Portfolio Review for the "home stretch"
It's time to reassess the portfolio and see if there are recommendations as we navigate the final 10 years or so of our work life. I greatly appreciate your thoughts.Emergency Funds– we have...
View ArticlePersonal Finance (Not Investing) • Has anyone used halfmore.co for Custodial...
Not sure which forum this belongs in. Does anyone have any experience with Halfmore? It seems to be a service that lets you turn your kid's chores into earned income for a Custodial Roth. I have no...
View ArticlePersonal Consumer Issues • Is paying your credit card bill electronically...
So I need to pay a rather large credit card bill. I want to just add the credit union account to the credit card and just use it to pay the bill. There is more than enough money in the account, but I...
View ArticlePersonal Investments • New Vanguard ETF Investing Service - Vanguard Info...
Hi, I think this site is amazing for DIY. I am in a funk; Vanguard is testing a recurring investment service for ETF (Exchange Traded Funds). It sounds like fractional investing. I have been retired...
View ArticlePersonal Investments • When to sell stock options post-IPO
Hi there, Currently working for a private company and hold both vested RSUs and exercised Incentive stock options (ISOs). If/when a company goes public, what guidance do you have on when to sell these...
View ArticlePersonal Investments • General Question about AA and Risk Ability
I've settled on a one-fund plan, VBIAX, 60/40, across the board.When I read about asset allocation and risk, the focus seems to be mostly on the personal nature of willingness, need related to actual...
View ArticlePersonal Investments • What is a year of retirement in good health worth?
So my question is what is a year of healthy retirement worth? I am a 55 years old and now eligible for retirement from the fire department with almost 30 years of service. It seems like a bit of a no...
View ArticlePersonal Finance (Not Investing) • how to gift with restrictions?
I come from a low income background and had a rough start as a young adult. When we had a windfall I set aside a sum to make sure my nieces and nephews had a nest egg when they launched, so they would...
View ArticlePersonal Finance (Not Investing) • Personal finance reading
I enjoy reading Bogleheads and Humble Dollar, but haven't found anything else that has been as interesting or provided good, thought-provoking financial information. Are there other interesting...
View ArticlePersonal Finance (Not Investing) • Looking for local (NYC)...
71 yo female, very low living expenses, taking SS ($2200 mo) and have $500,000 split between VG funds and $100K in TIAA Guaranteed. I've contacted a few advisors/CFA/for retirees but they are...
View ArticlePersonal Finance (Not Investing) • Deferred Compensation (NQDC) and State Taxes
I read through this post:https://www.kitces.com/blog/moving-lowe ... mpensationthis part: "And for employees with access to nonqualified deferred compensation, confirming that the plan's benefits pay...
View ArticlePersonal Investments • First Post/Request for Portfolio Review
Hello Bogleheads! I am a long time lurker and finally decided to take the time on this rainy Sunday to put together my first post. This is the standard “how is my retirement plan going” post. Thank...
View ArticlePersonal Consumer Issues • Samsung Mobile Phone Screen Dims and Darkens...
I have read on Samsung Community forums online that on several models of their mobile phones, the screen dims after about 30 seconds and then darkens shortly thereafter while making a phone call....
View ArticlePersonal Consumer Issues • Size of Adjustable Wrench to Tighten Drain Pipe
The drain pipe under my bathroom sink became loose at the seal and nut area where it meets the sink. I tried to tighten the nut and seal area with a 10 inch adjustable wrench, but it was too small to...
View ArticlePersonal Finance (Not Investing) • Cryptic Chase credit card "Interest...
I typically automatically pay off my card balance in full every month.I made a $2500 purchase on my Freedom Unlimited card.Chase states it is "pay over time eligible", offering me the option of paying...
View ArticleInvesting - Theory, News & General • Do Dividends track inflation?
S&P was yielding 2% in dividends in 2018 and it is currently yielding 1.23%. Suppose one wanted to live off dividends and their annual spending is 100k, then they would need 5M to achieve this.5M...
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