Personal Investments • Small cap lagging large cap in portfolio
I am 50% invested in large cap and 50% small cap for my 401(k). The crazy difference in return the last quarter has me nervous and wanting to rebalance my portfolio. I don’t want to rebalance now and...
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Investing - Theory, News & General • Interpreting macro economic news
I read this, and thought it has some good points. Especially towards the end of the article, where head in the sand reaction by govts, are likely to have drastic impacts.“We tend to have a lack of...
View ArticlePersonal Consumer Issues • Questions about furnace air filter
I switched from using a Filtrete 1900 to using a Nano Merv 13. I find that the latter is noisier. Does that mean it is more restrictive to air flow or is it just due to the material of the filter? I...
View ArticlePersonal Investments • Money market paralysis
The inversion of the yield curve has caused me a bit of investor paralysis. I’ve held an intermediate bond position for my fixed income portfolio portion for over 40 years. Most recently I traded out...
View ArticlePersonal Consumer Issues • Anyone left California in recent years?
I wanted to hear from ex California residents and see how they like their new state. Pros and Cons and what they would do diffrent.I live in So cal and I don't want to get political on this site but...
View ArticlePersonal Consumer Issues • Vapor barrier and air sealing, I'm a bit confused...
The new-to-us house we purchased has a vapor barrier in the attic, but the attic isn't air sealed. The minimal insulation level is 15-inch, which makes it R50. The house is a two-story colonial...
View ArticlePersonal Finance (Not Investing) • BMO Credit Card
Hi all, Looking for a sanity check on potential renewal of our BMO Wealth Mgmnt Premium Rewards credit card. We received this credit card about 10 months ago as part of BMO’s purchase of Bank of the...
View ArticlePersonal Finance (Not Investing) • Haney Settlement Offer Genworth LTC Policy
Genworth has offered these options to me as result Of Haney settlement. I have until July 27th to make a choice.Option 1 Keep things as they are : $273.00 daily 5% simple inflation 90 day wait 0 day...
View ArticlePersonal Finance (Not Investing) • Hit by a Truck - Disappointing Experience...
Hello Bogleheads,I recently had a frustrating experience with Travelers Insurance and I'm seeking your insights and advice.Situation- My parked car (no one inside) was hit by a large commercial...
View ArticlePersonal Investments • Vanguard web totally useless. Thinking about move to...
I try to sell some mutual fund. The default web setting is a fund trade a time. Use to be full experience. I also can't trade fraction stock or ETF. These are all doable in Fidelity. What's going on...
View ArticlePersonal Investments • Does AA include Emergency Cash and Current Budget?
Kind of a newbie question:Do you include a) emergency cash and b) your current year’s budget in your asset allocation (AA) percents? Obviously as you spend, the AA percent would change on that alone,...
View ArticlePersonal Finance (Not Investing) • Tax Form 8889 (Health Savings Accounts)...
Form 8889 instruction says:If you were covered, or considered covered, by a self-only HDHP and a family HDHP at different times during the year, check the box for the plan that was in effect for a...
View ArticleInvesting - Theory, News & General • I just need help with 2 numbers
Using this calculator:https://www.esl.org/resources-tools/cal ... calculatorWhat do you think are good numbers to expect for the average investor over the next few decades with mild risk for:1. After...
View ArticlePersonal Consumer Issues • Is there a fiduciary problem with the Kahala Nui...
Kahala Nui is a Non-Profit Continuing Care Retirement Community (CCRC). Hawaii does not have adequate regulations that protect residents of CCRC, not like other states such as California.1.The Board...
View ArticlePersonal Finance (Not Investing) • Merrill has no record of a check deposit I...
My wife got a check in her name, I was going to put it in our joint BofA but at the last second decided to deposit it to ML. I saw the check in my activity for 2 days in a pending status, and all of a...
View ArticlePersonal Consumer Issues • Best All-Season tires for F-150
A couple of thousand miles from now I'll be in the market for a new set of tires for my 2022 F-150 PowerBoost. Sadly, the OEM's are going to barely make it to 30K (they are Goodyears, with a very low...
View ArticlePersonal Consumer Issues • Builders Risk insurance during major renovation
I'm planning a major renovation for my primary residence. It will require moving out for ~6 months. The work will be fully permitted and performed by a licensed & insured contractor under a...
View ArticlePersonal Finance (Not Investing) • RPM - Roth conversion maximize roth...
Hi,I want to maximize my Roth conversion room. Currently when I do the conversions, in the summary it lists my taxable income, IRA income, roth income.etc and assume it uses this to pay for my...
View ArticlePersonal Investments • 25 y/0 After Tax 401k vs Brokerage Account
I'm really confused on how much of my income to allocate to an After Tax 401k (mega backdoor) vs my Brokerage account.In After Tax 401k, money would be invested in a SS TOT Market Fund. My company...
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Personal Consumer Issues • Chrysler Pacifica Platinum AWD V6: Experience,...
I currently have a 2022 Honda Pilot Elite AWD with the nice V6. (no elec/hybrids for us)Right now, I have a "Harmar auto lift in back". It is versatile but a hassle and a back ache to get things on...
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