Personal Investments • I'm still a little troubled by the I bond feature of...
My plan as of now, and certainty is subject to change when the early purchases of I bonds mature in a few years ,move all the proceeds into a 529 plan. I do have a child who, is done with school and...
View ArticlePersonal Investments • Portfolio Review - $1M + 36 year old
Personal Details: ——————————Age: 36My Annual Income(Pre-Tax): 1.2 MillionSpouse’s Annual Income(Pre-Tax): 110,0002 kids - 3 Yo and 5 yoPortfolio—————I tried to mimic Fidelity 2045 Target funds (or...
View ArticlePersonal Investments • Should I stop investing in assets yielding Interest...
I'm a little embarrassed to be asking, what (to me) would be a no-brainer type question, but thinking about this a little more, it was within the context of while I was working and earning an income...
View ArticlePersonal Finance (Not Investing) • How do I teach my kids to be less generous
We moved into a new town 2 years ago and my kids 7 and 9 had recently made friend with the neighbors. It was nice that they play together and in the beginning it’s playing in the yard riding...
View ArticleNon-US Investing • VUAA vs VWRA [Vanguard S&P 500 vs. FTSE All-World...
Hi,For a non-US investor, which ETF works out better, VUAA or VWRA?VUAA has a much lower TER and benefits from the higher average performance of the US market, while still being diversified through US...
View ArticlePersonal Finance (Not Investing) • Cash purchase house and then refinance,...
Hi,I have a house purchase contract from a builder. Builder is willing to pay the closing cost (or discount) of $25k on only 2 conditions:a. Take mortgage with themORb. Full cash purchase.If I take...
View ArticlePersonal Finance (Not Investing) • Deleting TOD for property
I sent in a TODD (Transfer on Death Deed) for one of my houses in 2021, during Covid. However the county clerk said the form was filled out incorrectly (notary signed where my signature should have...
View ArticleUS Chapters • RTP, NC Chapter Meeting 1:00 PM Sat August 24, 2024
Hello Research Triangle Park, North Carolina area Boglehead® friends,Meeting 39 of the Research Triangle Park Bogleheads has been scheduled for 1:00 PM Saturday, August 24, 2024. Amy has kindly...
View ArticlePersonal Investments • Portfolio Analysis - Power of Attorney Situation
Hi all. I just now have power of attorney over both of my parents for health reasons (78/66 ages). Assets are: 1) ~$800k held in brokerage account in a money market fund, 2) ~$750k in Traditional 401k...
View ArticleInvesting - Theory, News & General • Reporter doing story on...
A reporter from a national newspaper would like to speak with Bogleheads willing to be quoted about their experiences with "lopsided" savings. I.e., Do you have too little--or too much-- of your...
View ArticlePersonal Finance (Not Investing) • Should I Sell All Stocks While Finalizing...
Sadly, my spouse and I are going our separate ways. We are in our 40s and thus many years from retirement. As part of the separation/divorce, my spouse will use a large chunk of her share of our...
View ArticlePersonal Consumer Issues • Do you buy tire warranties?
Getting tires from Discount/America's Tire and they are pushing the tire warranty for ~$130 on four tires. They've been pretty good to me and have patched flats for free in the past, but if it can't...
View ArticlePersonal Investments • Portfolio review and feedback on financial plan...
Hello Bogleheads, I have reached a milestone in my investing journey and would appreciate any feedback to further improve my financial planning and portfolio. Emergency funds: yesDebt: 350K left on...
View ArticlePersonal Investments • Any material difference between T-Bill ladder/SGOV and...
I've been rolling approximately 150K in a 6 rung/6 month T-Bill ladder (25x6) and currently have an average yield of 5.22%. This money is a HYSA replacement and used for near term expenses, so funds...
View ArticlePersonal Investments • Consolidation of 401k's and IRA's at Fidelity
We (wife and I) have multiple 401k's and IRA's we would like to consolidate.We have two 401k accounts currently totaling approximately $3,160,000.We have six other IRA accounts currently totaling...
View ArticlePersonal Consumer Issues • How to find suspended ductwork experts
I have an attic with some commercial style ducting for several large air handlers. Two units have electric motors which operate dampers to bring in outside air on demand. The motors were originally...
View ArticlePersonal Consumer Issues • Recommendations for cheap beater truck
I'm looking for recommendations for a cheap "beater" truck. Truck, in order to have an open bed for manure and similar. By cheap, I mean $3k or less. Price cap is not a financial issue - paying more...
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Investing - Theory, News & General • Don’t ask me how I know
$$$ is necessary, and generally good to have… too little can certainly bring pain and hardship. that said more doesn’t bring the happiness most I see tend to think it will. I certainly was one of...
View ArticlePersonal Consumer Issues • Home Improvement Loan v Home Equity Line of Credit
Is there any real advantage to one form of credit versus the other? Is it of benefit to obtain the loan from a bank where you are already established?Statistics: Posted by maryslifestrategies — Tue...
View ArticlePersonal Investments • New Investor — How to Start?
New to this page - new to investing in general. I know I want to utilize a Roth IRA and understand it’s benefits over a brokerage account being that it’s interest is tax exempt (if there’s any other...
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