Personal Investments • Windfall, need a plan to allocate funds
I have a windfall coming to me of about $1.5 million. I need to come up with a plan to allocate the funds. Obviously, I am not going to put it all into the stock market, but will invest in index funds...
View ArticlePersonal Consumer Issues • Medicare Referral Needed?
I will be going on Medicare July 1 — A, B, Medigap and drug plan. I’m ready for some maintenance items, like seeing a dermatologist, colonoscopy, cardiologist. My understanding is to be covered by...
View ArticlePersonal Consumer Issues • Using credit cards in foreign countries
Last time I traveled out of the country, at least 12 years ago, I was told that I should call the credit cards I would be using and tell them I was going out of the country so they would not think it...
View ArticleInvesting - Theory, News & General • Selling low yielding bond early
Am I missing something?I have one specific item and then just carrying that over to overall fixed income portfolio going forward.I have a 50,000 AAA corp bond yielding 3.125 that matures 11/25 with...
View ArticleInvesting - Theory, News & General • Is this fair to say about financial...
I have typed up some thoughts about investing with a financial advisor. I have never worked with an FA and I don't know any personally. So, I'm wondering if my thoughts are fair at all? Would I be out...
View ArticlePersonal Investments • # of shares changed after transitioning from Mutual...
Hey everyone,I hope this is not a dumb question. But I finally got around to transitioning my ROTH IRA from the old mutual fund platform to the new brokerage platform. The only fund I have in it is...
View ArticlePersonal Finance (Not Investing) • Principal only Payments on Mortgage
Spouse and I have around 165k left on our mortgage (at 6%) and our mortgage payment is set to auto-pay at the 1st of each month. We also make a principal only payment of $300.00 on the 15th of each...
View ArticlePersonal Investments • Invest in Market or stay in Cash(Money Market funds)
Hello!! I am in peculiar situation. I am in late 40s. I am mostly in cash across all accounts(Investment and Retirement). I want to go into the market but feel that market may crash. Then I see the...
View ArticlePersonal Finance (Not Investing) • Getting rid of stuff
I'm struggling now with getting rid of stuff/clutter. It's not that I don't want to get rid of stuff; it's that the effort involved so overwhelms me that I end up putting it off, day after day. I...
View ArticlePersonal Investments • Accumulation Program for Part-time and Limited-Service...
Hi -I'm helping out a friend with his retirement plan options - he just started as part-time faculty at a state school in CA. There is an option he can select that I am not familiar with, it's called...
View ArticlePersonal Consumer Issues • Lexington, Kentucky and surrounding areas for a...
Our family never been to Kentucky and it's sort of off the beaten path for us to explore something different than usual NE coast for memorial day weekend. I can drive out there in about 8 hours or so...
View ArticlePersonal Investments • New IRA, keeps shares or exchange
I'm 53, small business owner... I recently moved my wife and I's Simple IRA's from Vanguard to Fidelity and all of our employees. (we are the business owners)I transferred the shares VTSAX in kind. My...
View ArticlePersonal Investments • Should I stop contributing to a Roth?
For the past decade or so, I have maxed out my 401k contributions and then maxed out my Roth, and my husband has done the same. We had a gross household income of about $170k. We plan on having a much...
View ArticlePersonal Finance (Not Investing) • Retiring - high tax state on retirement...
We recently moved to Minnesota, a high tax state with estate taxes. It doesn't much matter now as we're living off savings and won't draw social security or my pension or IRA distributions for four...
View ArticlePersonal Finance (Not Investing) • How to get PIA from current SS amount
DH started SS at age 70. I know his current benefit amount.I'm trying to use opensocialsecurity.com to determine when I should start SS. The calculator requires his PIA.How can i get his PIA from his...
View ArticlePersonal Consumer Issues • Bird singing in the morning
For the past couple of weeks, bird singing wake me up every day between 4:30am and 5:30am, disrupting my sleep. At first I thought it was just transitory but it is happening every day. I don't see any...
View ArticlePersonal Finance (Not Investing) • Is Del Mar, CA worth the cost?
I'm seeing small rental places (under 1,000 square feet) for around $5,000 per month near the beach. It appears people are paying these prices. If it can be afforded, is it worth it? I am unsure of...
View ArticleInvesting - Theory, News & General • HSA contribution increases for 2025
The 2025 annual HSA contribution limit will be $4,300 for individuals with self-only HDHP coverage (up from $4,150 in 2024), and $8,550 for individuals with family HDHP coverage (up from $8,300 in...
View ArticleInvesting - Theory, News & General • Alan Sloan on Vanguard Nickel and...
Alan Sloan (like a lot of Bogleheads) is not happy with the new fees that only affects small investors (under 1 million or in some cases, under 5 million).https://www.yahoo.com/finance/news/vang ......
View ArticlePersonal Investments • 13 year check-in
It’s been about 13 since I last posted. viewtopic.php?t=69979 Crazy how time flies! My career and investments have done well, and I mostly stuck to the plan I put together here back in 2011, but the...
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