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Personal Finance (Not Investing) • Town Home Down Payment Question

Any help/advice would be greatly appreciated. My question is how much money should I put down and should I sell my taxable investments in VTSAX now or hope that they have continued to rise up until...

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Personal Investments • 401K holdings [ML moved me from an index fund to a CIT]

[Topic title edited for clarity - moderator oldcomputerguy]Hello - Merrill Lynch holds a 401K which is invested in a Vanguard 500 index. They sold this fund and bought a CIT - collective investment...

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Personal Investments • 401K to traditional IRA or rollover traditional IRA?...

Hi,I can't seem to get a straight answer from the websites I've looked at, so I thought I would ask the experts here...Here's my background...1) I am recently, fully retired. While I may pick up a...

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Personal Finance (Not Investing) • Replacing furnace

I have a 22 year old 90 plus Bryant gas furnace that needs to be replace (secondary heat exchange)Replacement quotes from local HVAC dealers were in the $6,000 range for a single stage replacement...

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Personal Investments • Vanguard and i401k's [Where to transfer my Individual...

Been unhappy with ETrade recently.They've been calling me every two weeks, hustling for business.Foreign reps.Shutting down offices around the US. Including my local office in Irvine. CA, where I had...

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Investing - Theory, News & General • Vanguard economic and market outlook...

The summary:"The global monetary easing cycle will be in full swing in 2025, with inflation in mostdeveloped economies now within touching distance of central banks’ targets. Thegood fortune of high...

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Personal Finance (Not Investing) • Father retiring at age 77. First RMD...

My father has finally decided to retire from his profession at age 77 in September of this year. Since this will be his first RMD, does he still have the option to defer it until April of 2026? It...

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Investing - Theory, News & General • Understang Vanguard Portal

Is there a Wiki or forum for Vanguard Portal questions?Would there be an in depth guide to its features and how to read the data?Statistics: Posted by wrenchmaster — Fri Jan 10, 2025 1:48 pm — Replies...

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Personal Investments • moving 5% into bonds/stable - TIAA Trad or other?

I am currently at 75/25 equities/bonds with market weight US/ex-US for equities. 80% of my Bonds are in BND and 20% in Total International Bond.My total portfolio is 1.6M. I am 45 years old. I am...

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Personal Investments • Financial Advisor Starting Own Company

Just curious how you would feel if your long-term financial advisor (Not mine a family members'), is going out on their own and starting a new company and wants you to go with them>They are a...

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Investing - Theory, News & General • How often to rebalance retirement...

I have seen William Bernstein state that rebalancing every few years is the safest route. But if you wait a few years, what if your portfolio moves so drastically that it no longer matches your risk...

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Personal Finance (Not Investing) • Los Angeles Fire - the scams have begun!

Just a heads up, of course we could have expected this. I got 2 separate scam texts today, one just an unknown person fake-checking on me and fishing for contact (not unlike those "Hey, how are you"...

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Personal Finance (Not Investing) • Help me choose a water pump

Given the devastating fires in Los Angels this week, I'm looking to buy a water pump as a precaution.My house is much less likely to burn than my neighbors because my house was rebuilt several years...

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Personal Consumer Issues • Electric Heat Pump Water Heater

I'm looking to get an electric water heater, preferably using heat pump technology. At this point I'm indifferent to tanked vs tankless.Current electricity rates are $0.16/kWh. Current natural gas...

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Personal Investments • Wash sale in IRA?

If I sell VTI in my taxable account but also hold VTI in my IRA with dividends reinvested, would dividends received within 30 days of the sale count as a wash? I have dividend reinvestment turned off...

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Personal Investments • Confused about bonds: right mix for bonds in high...

So historically I have maxed out my 401K. My current mix is 10 % Bonds index35 % Growth Index40 % Large Cap Index15 % Mid and Small cap IndexI only started Brokerage in 2021, after finding Boglehead...

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Personal Finance (Not Investing) • Electric car and future at home energy costs

Looks like my current usage is 5700 kwh and according to solar estimate it will increase to 8900 kwh due to my new electric vehicle. Question is then probably solar is more beneficial for my household...

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Personal Investments • Fidelity 403b Question

I'm a teacher and I have a 457 and a 403b. I regularly max out the 457 account, which is through Empower, using a combination of Roth and pre-tax contributions. I haven't contributed to my 403b in a...

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Personal Investments • Why majority of dividends in December?

I have funds invested in the Vanguard Target Retirement Income Fund VTINX (30/70).Noticed that 64% of annual dividends are distributed in December. I was expecting more or less equal quarterly...

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Personal Finance (Not Investing) • fraudulent or mistaken charge on debit card

I am treasurer for a small club and in 2023 we got a debit card from our credit union just for recurring domain name renewals and occasional supplies. This month I found a charge for $153.25 by Amazon...

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