Personal Investments • Rebalancing / Preparing for Retirement
Hello Everyone,I have a question that’s a combination of rebalancing and preparing for retirement.In the past I’ve always done rebalancing in tax-deferred accounts. Presently, my traditional IRA and...
View ArticlePersonal Finance (Not Investing) • How do I improve my credit scores?
How do I improve my credit scores?I do understand that this is a “first world problem”. But, I am annoyed that my credit scores are not higher.Current Scores831 - Transunion Vantage Score 3.0832 -...
View ArticlePersonal Consumer Issues • Your favorite family vacations?
I'm planning our next family vacation(s) and have a couple things in mind but also looking for ideas. What have been your favorite family vacations and what made it so special / memorable?Statistics:...
View ArticlePersonal Investments • Help me understand IRA CDs and FDIC coverage
The situation:I have about $680K in a 457 invested in a fixed account at Nationwide that is some sort of group annuity fund. They lowered the floor to 1.0 from 3.5 (currently at 2.X%) plus added fees...
View ArticlePersonal Investments • Stock move calculation help needed
Assume $1 million invested in a single stock.What is the appropriate equation to assess the risk of a single day big move?Let’s use an example of selling 25% of the stock before an earnings...
View ArticlePersonal Finance (Not Investing) • RMD withdrawal mechanics
Hi all,I'm preparing for 2025, next year, which will be my maiden RMD year. I have about 80% of my tax-deferred IRA accounts at one institution and the balance in a 401(k) with a prior employer.After...
View ArticlePersonal Investments • Portfolio review request and recommendations
So grateful I found this informative site with awesome ppl sharing portfolio wisdom around 7y ago while managing my dad's assets as co-trustee. His portfolio was a mess of aweful annunities sold to...
View ArticleInvesting - Theory, News & General • New Vanguard CEO July 8, 2024
Salim Ramji, formerly of Black Rock, will become the new CEO of Vanguard effective July 8, 2024. He intends to enlist millions more investors in Vanguard funds, he says, but I will also be interested...
View ArticlePersonal Finance (Not Investing) • Turning 50 in a month ... any accounts I...
Hi All,Will be turning 50 in a month.MFJ ( 49,43)Kids ( 17,8).Me Self -employed (1099), solo 401(k) contribution from 4 yearsSpouse - W2, work 401(k) max out from past 13 years.529 plan for...
View ArticlePersonal Finance (Not Investing) • Merrill Preferred Deposit - worth it?
Is anyone currently using Merrill Preferred deposit?Is it worth the hassle of consolidating 100k at Merrill to do the initial "buy in"?I believe everything can be done online now, but you can only...
View ArticlePersonal Finance (Not Investing) • Terminating Solo 401K at Vanguard questions
I had a Solo 401k with Vanguard. I only had Roth Contributions, not traditional. Online, I rolled it over to a Vanguard Roth IRA. I selected reason as Plan Termination.The question is does anyone know...
View ArticleInvesting - Theory, News & General • Early Retirement Now post on...
Especially in light of the enormous amount of interest in TIPS ladders of late I thought this new post by Karsten would be worth sharing:https://earlyretirementnow.com/2024/05/ ... s-part-61/Lots of...
View ArticleInvesting - Theory, News & General • Starting to Worry [concerned about...
First and foremost very thankful for this page and everything it has taught me. I have noticed that each year, many of the “experts” (and also corroborated by what I see in many threads on this site...
View ArticleUS Chapters • Thank you [to the Bogleheads community]
I had a challenging experience with VG customer service recently and went to the Bogleheads subreddit to try and learn more about the topic at hand. I am shocked at how rude, dismissive, condescending...
View ArticleInvesting - Theory, News & General • TIPS, I Bonds and CPI measurements...
When discussing CPI-indexed investments, attention is invariably directed to the inflation of the 1970s. The CPI measurements have changed over the years. Have they changed enough to make comparisons...
View ArticlePersonal Finance (Not Investing) • Thoughts on Empower Financial Software
I'm currently using Quicken, but due to some of the quirks I'm looking for something else. After having thoughts of going back to my vintage Money 2003, which I love, I've narrowed it down to Empower....
View ArticlePersonal Consumer Issues • Senior Scam YouTube Video
I'm not sure how many Bogleheads would ever fall for this, but I found this to be an interesting video. One little slip and someone can be scammed. I follow this guy's channel....
View ArticlePersonal Consumer Issues • Alaska Airfare dropped since I first booked - what...
I purchased airfare on Alaska Airlines a few months ago for a trip. I just checked today and the same flight is $300 less than what I paid a few months back.Is there an option for me to get a credit...
View ArticlePersonal Consumer Issues • Auto AC Maintenance - Question
For the past 9 years I've had routine maintenance and repair/replace work done by the dealership - many of the big ticket items include (1) brake components front and back replaced (2) new AC...
View ArticlePersonal Finance (Not Investing) • Timing of IRMAA Appeal
Hi all,My wife and I both turn 65 this August. Due to a forced retirement from my workplace, effective June 1, and because my wife has no HC coverage of her own, we will both apply for Medicare,...
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