Personal Finance (Not Investing) • Homeowner’s insurance renewal
Our renewal homeowners premium was increasing from $2,500 to $3,600, annual. Farmer’s insurance has our 2 cars so I asked them to quote on the home, and they had a higher deductible, equal to 5% of...
View ArticlePersonal Consumer Issues • Garage Door Recommendations
My wood garage doors (9 years old) are ready for replacement. I was disappointed in the performance of the panels which fell apart over time. Does anyone recommend either a brand or type of material...
View ArticlePersonal Investments • Thoughts on my bond approach
My bond holdings are 50% BIV (Intermediate-Term Index) and 50% VTIP (Short-Term Treasury Inflation Protected).Is this a good approach? How can I do better?Related question: Is VGIT better than BIV for...
View ArticlePersonal Investments • Quantifiable criteria to “Need, Ability, and Willingness”
I can’t figure out what my asset allocation (AA) should be.This is supposed to be one of the most important decisions an investor can make.I understand need should set the min % equities. Ability...
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Personal Investments • How to factor pension/SS into your retirement spending...
Hi folks,When people say they are 25x or 30x, do they factor in pension and SS? I am trying to see where we are today.Let's say the scenario is something like this (all numbers are in 2024...
View ArticlePersonal Investments • Can I open a Solo 401K with W2 income
If I receive W2 income as a personal care giver, can I open a Solo 401k? Or does it have to be 1099? The employer won't issue 1099.Statistics: Posted by wellboy99 — Wed Aug 07, 2024 9:44 pm — Replies...
View ArticlePersonal Investments • SIPC vs Risk of Consolidating
We have several different financial accounts between me and spouse. We are early 50s. As we get older, I thought it would be a good idea to consolidate to make it easier for our kid (and us) to...
View ArticleUS Chapters • Portfolio Management Help
Would love some perspectives on a personal portfolio. 30% of the portfolio is in one stock. The other 70% is in a diversified blend of stocks and bonds. If I could unwind the 70% into a Boglehead...
View ArticlePersonal Investments • AllState Homeowners Policy - Installment Fee
I have an upcoming renewal on my AllState Homeowners Policy. The premium due date is Aug 30. I want to equally divide my payment amount across multiple credit cards to optimize my cash flow. So the...
View ArticlePersonal Investments • Need some help with transfer agent AST/Equiniti
I own some shares in a company that are held by a transfer agent AST which is now Equiniti. I am joint tenant on the account with my mom and siblings. We want to move these shares to a brokerage...
View ArticlePersonal Finance (Not Investing) • Property title wording in Maine
Dear Forum,Next week, my spouse and I are closing on the purchase of a home in Maine where we hope to someday retire. How should our names be worded on the title in order to:1) best protect the...
View ArticlePersonal Finance (Not Investing) • Can Wife and I afford 2nd vacation property?
Ages 44 and 40Income = $200,000 a year - Both are teachers with guaranteed 3% raises over the next 3 years (jobs very stable and almost impossible to get fired)Net Worth = $1,140,000Retirement =...
View ArticlePersonal Finance (Not Investing) • Citi Costco membership downgrade refund -...
Hi,I have a Citi Costco card with executive membership ($120/year). Though I moved out of US (not a USC/GC) we are retaining the Costco membership as we prefer to keep the Citi card active (plans to...
View ArticlePersonal Finance (Not Investing) • Which mortgage to take?
Hey everyone - buying a property in Massachusetts. Looking at 2 mortgage quotes I got. Both mortgage brokers are saying they have the better deal but wanted to see which one is actually best or if I...
View ArticlePersonal Finance (Not Investing) • Tax return missing Schedule E, which is...
I am attempting to do a mortgage refinance on an investment property. As such, the bank asked me for the past 2 years of tax returns. After a few weeks, the bank gets back to me to point out that the...
View ArticlePersonal Finance (Not Investing) • Hobby side gig with friend
My friend and I plan to start a subscription newsletter in an area where we both have interest in. We are looking at this more as a hobby but it could bring in some revenue (it would be pretty modest...
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Personal Investments • Bombed in Supermicro
I dropped a lot into super micro at the peak in March and lost 60% since then. I’m really down about this. Lesson learned in a really painful way I won’t be dabbling in individual stocks any more. But...
View ArticlePersonal Investments • Social security question retiring mid year
So I think that special rule on retiring mid year applies.I retired Aug 1st this yearMy last work day was July 31st which was a Wednesday My last payroll and commission checks were for weekending...
View ArticlePersonal Investments • How are Mutual Funds and ETFs Unit Prices Calculated?
Take for instance VSEQX (Vanguard's strategic equity MF). It comprises of hundreds of small and mid cap stocks. Is the unit price at the end of the day calculated on the underlying value of these...
View ArticlePersonal Finance (Not Investing) • Trust papers
Recently myself, my spouse, and our for-hire estate attorney completed (signed & notarized) trust papers. So much of the trust paper work seems tedious, wordy, but I suppose necessary. Can trust...
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