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Personal Finance (Not Investing) • When to upgrade the house?
Hi everyone! We currently own a small house in a VHCOL area. The house is 3b2b, 1500 sqft and is currently valued at around $1.2-$1.3M. We have a mortgage balance of about $700k at a 2.375% interest...
View ArticlePersonal Finance (Not Investing) • What "ducks in a row" does...
I'll be applying for a mortgage at some point this year. As part of the prep work for doing so, what are some things to keep in mind? I see frequent posts about being encountering turbulence during...
View ArticleInvesting - Theory, News & General • Adding alternative strategies to...
Simplify ETFs look pretty compelling. https://www.simplify.us/model-portfoliosThe model portfolio I'm interested in: ModerateFixed Income: 25%BBSA: 5% JPMorgan BetaBuilders 1-5 Year U.S. Aggregate...
View ArticlePersonal Investments • Benchmark for Personal Portfolio
Mid-40s single, living in high cost location. Should i be using the S$P or a lifecycle fund, 2040, as my annual benchmark? Thanks in advance.Statistics: Posted by sorengard — Sat Jul 27, 2024 8:28 pm...
View ArticleUS Chapters • Diehards.org Birthday
Anniversary: Diehards.org. foundedSaturday, July 27Annually on July 27On July 1, 2001, Alex Frakt and Larry Auton create an index and search site designed to more efficiently track the Morningstar...
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Personal Finance (Not Investing) • How much to plan for Medicare and...
Is 1,000.- $ a month enough to budget for Medicare and all additional insurance premiums for health and drugs after 65?How can I find out prices?Thanks for any answers! Statistics: Posted by Bennie —...
View ArticlePersonal Investments • Roth Conversion vs. Backdoor Roth
DH and I always do backdoor Roth IRAs annually. However, I am considering using those funds this year to perform a Roth conversion. Would convert the amount that the $15k would allow for taxes.DH 52,...
View ArticleInvesting - Theory, News & General • Schwab Planning to "House...
Schwab is planning to "rely more on partners" to "house customers’ deposits," says the CEO:Going forward, Schwab is planning to rely more on off-balance sheet arrangements to house customers’...
View ArticlePersonal Consumer Issues • Excessive vet bill
We went on vacation out of the country and left our dog with a sitter at her house. Sitter on 1st day notified us that our dog puked and pooped blood. It also appeared that she pooped out a little...
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Personal Finance (Not Investing) • Help me budget for a house
Hi Bogleheads, I am at a loss for how to decide on a budget for a first house. We are in kind of a unique situation because we can borrow from my wife's family's LLC. Our interest rate will only be...
View ArticleInvesting - Theory, News & General • Too heavy in tax deferred.
My wife and I are both about 63, she is retiring in Nov of this year I plan to keep working and provide medical benefits for a few more years, thats the easy part. We have done fairly well and have...
View ArticlePersonal Finance (Not Investing) • Kids' IRS Form 8606 - Done Correctly?
In 2023, both of my kids made Roth IRA contributions. My accountant showed them on the draft of Form 8606 Line 1 and it carried through to lines 3 and 14. Is this the correct way to show a Roth...
View ArticlePersonal Investments • Portfolio checkup/advice - spouse retiring in 1.5 years
Emergency funds: 6 monthsDebt: 4 years left on a 15-year fixed 2.7% loan - $4,500/monthTax Filing Status: Married Filing JointlyTax Rate: 24% Federal, 4.4% StateState of Residence: COAge: Him -56, Her...
View ArticleInvesting - Theory, News & General • Timeline for Retirement Planning
I've been thinking about this topic quite a bit recently and a post in another thread drove me to ask. Is there a recommended timetable for preparing for retirement? Not just for the person who's 5...
View ArticlePersonal Consumer Issues • How much left over flooring to save?
Thanks to the BHs who recommended I check out Home Depot's flooring services, my new LVP was installed beautifully on Friday. The installers did such a great job, there was none of the 10% extra for...
View ArticlePersonal Investments • Is this a Vanguard number?
Friday night at 8:03 pm I received an email from Vanguard saying some information was missing from a request and to call them within four business days. They closed at 8:00 pm. Not happy. Anyways,...
View ArticlePersonal Finance (Not Investing) • Married Couple LLC or Solo Proprietor
My wife and I both are getting started with our own businesses. She does social media management and I design/build websites that I offer managed hosting for the client. We both currently do business...
View ArticlePersonal Consumer Issues • Using an insurance broker (Homeowners/Auto)
So I have been with Allstate for awhile, probably 20+ years. I know insurance costs have increased across the board, but I feel like mine are just going through the roof and I need to shop them...
View ArticlePersonal Finance (Not Investing) • House Downpayment Funding Options
Hi folks, I'm exploring my options for building up a downpayment for a house and wanted to sanity check my plans with the smart people on this forum.I am in my early 30s and planning to buy my first...
View ArticlePersonal Investments • Liability matching portfolio as affected by early...
When we discuss liability matching portfolios (LMPs) we are often referring to tips ladders or defined maturity ETFs, in which inflation protected bonds mature each year, sufficient to address...
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