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Investing - Theory, News & General • What does risk really mean? How is...

In layman terms what does risk mean? Does it mean the degree of volatility and how long does it take to recover?How is this determined? Since we can not tell the future, I am guessing it is based on...

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Personal Investments • Am I on the right track (portfolio review)?

Please be gentle! I am very much of a novice. I hope I did the format correctly and everything is clear. If not, let me know what to revise. I had a late start due to schooling and trying to pay down...

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Personal Investments • Beginner's Portfolio Review - Appreciate Your Input!

We just started learning about investment, following the bogleheads’ investment guide and tracking our spending and investment at the beginning of this year. We greatly appreciate any advice you may...

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Personal Finance (Not Investing) • Best Way to Get Free Credit Reports

Is the best way to get free credit reports by filling out the form on this website? I haven't checked my credit report in a long time. Is it true the free report doesn't give you your...

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Personal Finance (Not Investing) • 1099-R for the distribution of excess Roth...

Hi,In 2021 I had excess contribution into my Vanguard ROTH Ira. That year I ended up with a bit larger income, and the excess contribution of $1450.I did not know this until March of 2023, when I...

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Personal Finance (Not Investing) • Question re: tax on social security

I have a question about how my social security will be taxed. I was downsized from employment in February 2024. My total income from the job was $33,156. Taxable wages are 30,633. Federal withholding...

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Personal Finance (Not Investing) • Simple Calculator For Estimating Income...

Is there a simple calculator online that will estimate my state & federal income tax assuming the following annual income in retirement:Taxable Account Dividends = 25kInherited TIRA RMD =...

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Personal Consumer Issues • tips for renting a car with an unknown end-date

I anticipate traveling cross-country to a family member who will be getting out of the hospital in a week or two, to help them transition back home and I might be there a week... or I could be there a...

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Personal Investments • Changing the Entire Portfolio Before Retirement

I am 40 years old and have been holding a Boglehead portfolio for about 5 years. My friends say they invest in individual or growth stocks when they are young and then plan to switch to VOO or...

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Personal Finance (Not Investing) • Career advice - potential job change

Hello, I have a fairly significant career decision to make and I thought I would throw the scenario out there to see what others think.Background: I work in higher education at a large R1 University....

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Investing - Theory, News & General • Vanguard Treasury Money Market...

Is the party coming to an end with this fund (VUSXX)? With Tbill rates coming down lately, it may not be too long before the yield comes down on this fund too? The short term rates are still hanging...

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Personal Finance (Not Investing) • Negotiating a starting salary as a civil...

DS had been offered a job at a civil engineering firm where he is an summer intern. The job would begin after graduation in 2025.If you are in this field, what advice would you give him? He was asked...

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Personal Investments • Stock Investment [moving funds with $10K/day limit]

I am expecting huge funds from an investment I have made in my company. I have a few banks such as 1. Truist 2. Wells Fargo3. Frost banktelling me that my daily wire limit will be $10,000 and this...

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Investing - Theory, News & General • Question on distributions from a Roth

I am over 59.5 years old and have a Roth IRA older than 5 years. I understand that I can withdraw money from this tax-free.I am looking to perform Roth conversions on money I hold in my 401k. Each...

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Personal Investments • Box spreads using the IBKR paper account

I'm trying to do box spreads (short) using the IBKR paper account (simulated trading account), but the order never gets fulfilled, even if I am willing to take on an absurd interest rate.Does the...

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Personal Consumer Issues • Safety Ratings Ford Transit and Ram Promaster

I usually look at Iihs website (Insurance institute for highway safety) to see the safety ratings for cars including small overlap crash tests for the safety of both the passenger and the driver....

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Personal Investments • Delaying pension vs collecting and investing

I am 56 and have a very small pension due from the musician's union. I will almost for sure not be contributing to the fund any longer (I am not even a member at this point), but the chance of me...

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Personal Finance (Not Investing) • Security of your brokerage rests in the...

Came across an interesting issue and would like some opinions.My (and yours) brokerage accounts can easily be accessed without knowing the complex 15-20 letter/number/symbol password. How, you ask? If...

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Personal Investments • TIAA Real Estate | Expense Ratio Increase

TIAA RE (QREARX) has seen its expense ratio rise to 1.02 percent. It had been considerably less. (around 0.80).Anyone know why? I realize you cannot compare it's expenses to VNQ. I successfully held...

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Investing - Theory, News & General • Monte Carlo Simulation - the other...

I have pretty much much only use Monte Carlo in Portfolio Visualizer using just the historical option. What are the various options and is there some sort of tutorial of running Monte Carlo on...

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