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Personal Consumer Issues • Seeking Help from the Best Travel Resource on the...
Yes, you all! We asked for ideas and advice for our trip to the UP (Michigan) last fall and you all delivered big time! We asked for advice again for the PNW and had an amazing trip! So, thank you!We...
View ArticlePersonal Investments • California muni bond fund - which one?
Hey folks, I am in a situation (and expect to be for the next number of years) where getting CA muni bonds works out better than buying a national or national muni bond fund (e.g., VMLUX). I've...
View ArticlePersonal Finance (Not Investing) • Anyone have a 2014 Toyota Camry?
Looking into downgrading a bit into a 2014 or so Toyota Camry LE. Hoping to get one that has been well maintained and not too many miles. Does any have any good or bad experiences with the Camry model...
View ArticlePersonal Consumer Issues • what Android texting app do you use?
(Android, not Apple)Verizon is discontinuing Message+ which has worked well. They suggest switching to the Google texting app (both are native on the phone). Issue - the Google texting app really...
View ArticlePersonal Finance (Not Investing) • The problem of procastination in investment
Recently, a relative requested help with investing for retirement. A look at the portfolio indicated that the portfolio is invested in a Target fund, but they are not contributing enough. I suggested...
View ArticlePersonal Investments • Did I mess up my backdoor Roth?
I did the usual backdoor Roth transaction in early Jan this year, $7,500. The expectation was that no taxes would be due from this.Later on, I received notice that Vanguard was selling its i401k...
View ArticlePersonal Consumer Issues • New Pressure Treated Fence - Can I Get Wet With...
Pressure treated wood fence just installed. Not stained yet. Can I get the fence wet with the sprinkler? As a corollary, how long to wait until staining?Should probably ask the fence company who...
View ArticlePersonal Finance (Not Investing) • Cash out refinance or similar?
I'm fortunate to be in a bit of an odd situation. My wife and I have outgrown our rented apartment and plan to buy a $1-1.5M house in the next year. We can afford houses in that range, but of course...
View ArticlePersonal Finance (Not Investing) • Tax Software for NYS 529
I just got a notice from NY state that Turbo Tax mishandled for NYS 529 contribution and withdrawals for 2022. NYS is 100% correct. I see the same mistake for 2023, but I can't figure out how to...
View ArticlePersonal Consumer Issues • Digital keyboard or Midi Player with Garage Band...
I am looking for advice to what to get. My 10 year old is learning to play piano. Her interest is medium so I don't want to get a piano into my house. She takes piano once a week at home. I don't push...
View ArticlePersonal Investments • How to buy etfs?
I want to begin an etf portfolio but know there is a technique to buying them to keep costs under control. Would like additional advice. I know there is the bid/ask spread which defends I guess on how...
View ArticlePersonal Consumer Issues • how to find a tax accountant?
I've become unhappy with my tax accountant, and want to find a new one. The current one is unresponsive when I have a question, and his numbers don't seem to match the numbers the IRS and state come...
View ArticlePersonal Consumer Issues • New car dealers still adding premiums to price?
Haven’t bought a new car in ages but likely will be buying a new Toyota, Honda or similar sedan before long. Are dealers generally still adding upcharges to MSRPs as they did during the pandemic car...
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Personal Finance (Not Investing) • Refinancing because of divorce, trying to...
My wife and I are separating (amicably) and I am / we are in the process of refinancing our house: my wife is not asking for her full half - for now anyway - so that I can stay in the house because...
View ArticlePersonal Investments • Revisiting My Boglehead Portfolio
Hi, folks. After reading (again) Taylor Larimore's thread about the 3-Fund Portfolio, longinvest's about the one-fund portfolio, and many other threads, I have made several decisions and landed on the...
View ArticlePersonal Finance (Not Investing) • Data Breaches and Credit Monitoring Services
In the past two years I've received five notifications (via US Mail) about notices of a data breach. This is mostly related to various healthcare entities that have some of my information such as...
View ArticlePersonal Investments • Move some bonds into TIPS - lump sum or DCA?
Hello Bogleheads,I'm thinking I want to move some of my fixed income holdings into an intermediate TIPS fund. Looking to get around 20-25% of bonds in TIPS by early retirement in about 4 years at age...
View ArticlePersonal Finance (Not Investing) • What is a "Detatched Request"?...
My wife and I each have an old paper ibond (2008) that we would like to redeem. I see four options:1) If our bank will do it (haven't checked yet) that is our first choice. 2) Another option is to...
View ArticlePersonal Finance (Not Investing) • Benefit for me to switch to Vanguard from...
I have a brokerage account at Merrill for preferred rewards. TTTXX is a great money market, but I like having a true sweep fund, and Merrill takes ages to transfer money via ACH (I don't really use my...
View ArticlePersonal Consumer Issues • Vehicle tracking devices elderly parent
90+ parent went AWOL this weekend for 12 hours, had to get police to find him. Has a phone but doesn’t really know how to use it, but luckily he had it and was on and police use phone company pings to...
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