Personal Investments • Portfolio check and advice request.
Hello all:So, I feel frozen as to what to do on my financial journey as nearing possible retirement. Husband and I are 54 and 55. We are considering a potential retirement in 2027. We work for a...
View ArticlePersonal Consumer Issues • Recommend an automated outdoor light solutions
While we are away traveling from time to time, we thought it would be good to set the coach lights by the garage and in front of the house to automatically go on and off on schedule. Someone told us...
View ArticlePersonal Consumer Issues • Solar: how do you ever break even?
We are getting quotes for solar. After rebates, we're being told it'll cost anywhere from 15-20k, installed. Our monthly electric bill (with a heat pump and EV) hovers around $125-150. It will maybe...
View ArticlePersonal Finance (Not Investing) • PNC Bank [Certificate of Deposit]
Trying to help a family member. Has anyone ever had a certificate of deposit at PNC? The one we’re dealing with is set up to auto-renew, and I’d think we’d be better of taking the cash and putting in...
View ArticlePersonal Investments • Portfolio Advice Please for Potential Long Early...
Emergency funds: 12 months of cash of expenses in MM account that all expenses debit fromDebt: 0. Credit cards revolving but paid in full each month.Tax Filing Status: Married Filing Jointly with 3...
View ArticlePersonal Consumer Issues • Eating at McDonald’s
Today we took our grandchildren to a McDonald’s. I found the whole experience negative. My wife made the order over the phone and we finally got it. What I found troubling was the lack of face to face...
View ArticlePersonal Investments • IRS determination letter for solo 401k
Can anyone give me some guidance on the necessity of an IRA determination letter prior to opening a solo 401k? I’m attempting to open a solo 401k with Schwab to rollover funds from my old employer’s...
View ArticleInvesting - Theory, News & General • Source for Historical P/E values of...
Does anyone know of a site that I can get historical p/e ratios for ETF's (and mutual funds) without paying (much)? The only place I've found charges $500/yr. for a massive amount of data and I'm only...
View ArticlePersonal Consumer Issues • Is a doula a valid HSA expense?
Wife is pregnant, wishes to give birth with a doula. We found one who we would pay in cash.Can we reimburse ourselves for the expense of a doula from our HSA? Is a doula a valid HSA expense? If it...
View ArticlePersonal Finance (Not Investing) • Laid off
Well, it happened. Fairly common in my industry as you get into your 40s. Here’s my stats, I’d appreciate any advice on the right next steps as I’m fairly confident I need to find new employment.401k...
View ArticlePersonal Investments • Suddenly I'm unsure about my retirement age
Recent events in my life have made my plan of working until age 70 suddenly very confusing. I would be grateful for any advice, input, opinion.I am 58. My wife is 50. I'm a 20+ year Boglehead and the...
View ArticlePersonal Consumer Issues • Phonak Hearing Aids: advice sought
I’m a first time shopper for hearing aids and the Audiologist presented me with a sheet describing the features and price points of various Lumity models. Here are my questions:Is the automation in...
View ArticlePersonal Consumer Issues • Thread Locking
This seems to be a forum where moderators are quick to lock threads.Even if not outside of medical or legal advice.Is it wrong to discuss and disagree in long form?Statistics: Posted by PoorPlumber —...
View ArticlePersonal Investments • Is VT (total market) underweighting S&P?
Hi I mostly have vanguard total stock market and total bond as a mix. But I have now been wondering whether this misallocated to much away from s&p. It’s too late to rotate into s&p now so...
View ArticlePersonal Consumer Issues • CPAP cleaning machine recommendation
I have the Dreamstation 2 CPAP. I have been cleaning the hoses and mask manually with dishwashing detergent and running water through the hoses until all soap removed. It is getting old doing that and...
View ArticlePersonal Investments • Rollover SIMPLE IRA with ACATS to Vanguard?
Hello,DW had SIMPLE IRA and Northwestern Mutual with previous employer. We want to rollover that to her Rollover IRA that she just set up at Vanguard. I called the the firm that represent NM to try to...
View ArticlePersonal Investments • Turning 55 and need a Portfolio checkup
Hello and I welcome your input.I am currently turning 55 and hoping to retire near around 60. My current portfolio is belowMy children are all in college at the moment and that cost is being serviced...
View ArticlePersonal Finance (Not Investing) • $14000 of Roth Retirement Contributions on...
Say one makes $8000 net profit of self employment income and no other earned income. Say this person also has setup a Solo Roth 401k as well as an Individual Roth IRA. Shouldn't this person be able to...
View ArticlePersonal Investments • Hoping to retire in 4.5 years....starting to plan..
Hello all,I'm looking (hoping) to retire in about 4.5 years and just want to get a check up from the group and also any tips or suggestions on what we can change to better prepare.Basic Info:- I'm 50...
View ArticlePersonal Consumer Issues • Best Washing Machine
I am making a new thread because things seem to have changed with washing machines. The one I had a while back isn't sold anymore and there are hundreds of others.Unfortunately I made the mistake not...
View Article