Personal Investments • Retirement Plan for Pops - 25/75 Stocks/Bonds vs High...
Hi,I am trying to figure out the best plan for my father and his wife. He is 75 and plans to retire within a few years. His wife is retired and she gets social security which covers their mortgage....
View ArticlePersonal Investments • Another Pay off Mortgage vs Re-Invest Post
Hello all! I would really appreciate advice on our current investment strategy. I’ve recently sold a sizable portion of my company’s stock. My husband and I are considering whether to re-allocate to...
View ArticlePersonal Finance (Not Investing) • VUL “keep it or lose it” advice needed
I was sold a nationwide VUL 13 years ago. There is no surrender fee. I have about 130k in it. Last year I reduced my monthly premiums to $300, because this thing is so complex I can’t understand it. I...
View ArticlePersonal Consumer Issues • Are digital water meters accurate?
My water company swapped me out from a manually read water meter to a digital water meter about two months ago. I just got the first digitally read invoice. My usage (via the old manually read water...
View ArticlePersonal Investments • Fidelity 401k and Baird >> Need help
First of all thanks for taking a look and advise me what will be the best approach. After posting on Reddit and someone suggested about this site because Fidelity will be charging me 1% if they manage...
View ArticlePersonal Investments • Fidelity Transfer Mistake
This is my second issue with Fidelity screwing up a transaction. Both incidents required Fidelity to review tapes of conversations. Both incidents have been resolved in my favor. My question is...
View ArticlePersonal Consumer Issues • Honeymoon to Italy and Slovenia -- Advice Please!
Hi fellow Bogleheads,My wife (who's half-Italian) and I are planning a 21-day trip to Italy and Slovenia this fall. We're targeting a departure around October 19th and love exploring new cities on...
View ArticlePersonal Investments • Swapping out LT bond fund for Int-Ca Tax Free
I have a California Long Term Tax Exempt Muni fund with Franklin Templeton opened years ago by my parents. FKTFX Expense ratio is .60. Current yield about 3.51%. I take the monthly payoffs for income...
View ArticlePersonal Finance (Not Investing) • ACA when employer covers only employee
I am trying to work out if the ACA can help with my expenses.Currently I have insurance for my whole family through my employer. The employer pays 100% of only my premium; I pay the remainder for the...
View ArticlePersonal Investments • Anyone else NOT getting reliable time streaming quotes...
I've been a extremely long term devotee of Schwab's StreetSmart Edge however I'm being forced to migrate over to "ThinkorSwim" and it's not been painless. I have now determined that Schwab is NOT...
View ArticleInvesting - Theory, News & General • Vanguard Cash Deposit New Option
Ant thoughts on Vanguard coming out with Cash Deposit account for settlement funds instead of Vanguard Federal Money Market Fund. just received notice today of new choice.Statistics: Posted by BigMik...
View ArticlePersonal Finance (Not Investing) • Just sold my late mother's house--now...
My mother passed away in August 2023. Her house was owned in a trust with my sister and me named as beneficiaries. (all of her other assets were joint or TOD). In November 2023 the house was appraised...
View ArticlePersonal Consumer Issues • is there a way to repair credit score at Transunion?
I was reviewing my wife's credit score, 800 at Equifax and Experian, but 680 at Transunion. It's because I was churning cards for her several years ago and forgot to put one that was sockdrawered on...
View ArticlePersonal Investments • Keep funds in a taxable account vs transfer to Roth IRA
Hi all - My wife and I have around $100k in an index stock fund (VTSAX) in a taxable joint account at Vanguard along with Roth IRA's for each of us. Is there any advantage to moving a portion of that...
View ArticlePersonal Consumer Issues • The EV Life Cycle?
I am curious as to others' opinions on how the EV life cycle will work. First of all, I hope this doesn't divulge into an ICE against EV thread bash of either or both. We kind of have an idea of the...
View ArticlePersonal Finance (Not Investing) • Roth Conversion 5 Year Rule
Hi:I am currently 64 and from next year I am planning to start converting a fixed amount from my 401(k) every year to Roth IRA till I reach RMD age. I already have a Roth IRA which was opened about 15...
View ArticlePersonal Consumer Issues • Chase Travel - Watch for Mexican citizen only...
Hi, everyone.This is likely an edge case, but something my wife and I are working through now.We booked a resort in Mexico and it wasn't until the next day reading the fine print on the confirmation...
View ArticleInvesting - Theory, News & General • What is your Minimum 20+ year TIPS...
BackgroundThe question of this thread has arisen in various forms across different TIPS threads discussing 20+ year ladders, so I thought I'd put some numbers to it.By example from below data, US...
View ArticleInvesting - Theory, News & General • Bond fund question regarding...
I'm trying to get my head around bond fund investing.As I understand it, it's best to hold a bond fund investment for at least as long as the fund's effective duration. So for example, according to...
View ArticlePersonal Finance (Not Investing) • Anyone teach for local Community Colleges?
Hello bogleheads,I'm struggling with my current job; boring projects, demanding boss, day to day tasks below my capability. I've been thinking of taking a mid-life crisis break for 6-12 months. As I...
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