Personal Investments • Vanguard Joint Brokerage Account Q
I currently have a Vanguard individual account that, for asset protection reasons, I want to classify it as Tenants by Entirety (TBE). After speaking to a Vanguard representative, he recommended I...
View ArticlePersonal Finance (Not Investing) • Finding the best surgery practice
A family member, in his mid 70's, may need to have an abdominal hernia repaired. [No pain, but bulging]. I have heard that frequency of performing particular surgeries is often linked to better...
View ArticlePersonal Investments • What to do when investing timeline is murky?
Let’s say I have money set aside in a 529 for private K-12 (and two kids currently in private K-12) and also for future college (separate 529). I could technically cash flow K-12 this year but no idea...
View ArticlePersonal Finance (Not Investing) • Book suggestions for preparing for new job?
Hi, looking for books (or other resources) on how to prepare to succeed on a new job? I think it would be helpful for me to have a structured plan and approach. I am looking at potentially making a...
View ArticlePersonal Finance (Not Investing) • Solo 401k MBDR - please help my small brain
For simplicity W2 comp- 500k1099 comp - 50kI max my employee contributions (23k) with my w2 401k.I then open a solo 401k with MBDR capabilities:1) Per TFB magic excel sheet I can contribute 9,866 as...
View ArticleInvesting - Theory, News & General • Mirrored Asset Location and Band...
Hello:For those of you who follow mirrored asset location (a separate topic for discussion/debate), if you also rebalance according to bands and not at set time intervals, do you consider each account...
View ArticlePersonal Finance (Not Investing) • Where to put teen's savings?
DS has ~$15,000 that he has earned in a savings account earning .10% interest. He recently turned 18, so I'm encouraging him to open a checking account with access to a debit card. He would also be...
View ArticleInvesting - Theory, News & General • Is the Gyroscopic Investing Forum...
Hello everyone, Long-time lurker, but this is my first post.Currently I use a fairly vanilla 50/50 Boglehead portfolio for my employer-sponsored 401k and a modified permanent portfolio for a rollover...
View ArticlePersonal Finance (Not Investing) • advice for first time 529 and Coverdell...
Hi: My child is a freshman this fall and this will be our first time withdraw 529 and coverdell fund. I have some questions regarding the process1. We selected the lowest campus meal plan, expecting...
View ArticleInvesting - Theory, News & General • Do bonds have less of a protective...
I am interested in FIRE, and have been playing around with different portfolios in Portfolio Analyzer. The free account only lets you look at 10 years of data at a time. In very basic terms, my...
View ArticlePersonal Investments • best bond fund for taxable account
I have been using a muni bond fund (FPXTX) because it is triple tax free.But the performance has been bad.is there a better suggestion in a taxable account?Statistics: Posted by prk — Sat Aug 24, 2024...
View ArticlePersonal Investments • Cash Allocation Advice: Money Market vs. Treasuries...
Hi Bogleheads,My wife and I are 36/35 and still in the accumulation phase. We're currently all in on VTI, with about 7% of our net worth in cash sitting in a money market account. Given the...
View ArticlePersonal Investments • Can Advice-Only Planners Handle Complicated Situations?
I'm a 61-year old federal employee (in excellent health) planning on retiring potentially within the next year. My mother died at 90 in fall 2023; after her entire estate is settled I will have in the...
View ArticlePersonal Investments • Start Up Investment Question
I know this probably goes against typical bogleheads practices but I recently came across a start-up looking to raise capital that piqued my interest. The short version is I have a son with multiple...
View ArticlePersonal Finance (Not Investing) • Low-Income and Subprime Agencies -- Freeze?
Has anyone placed freezes on the following low-income and subprime agencies? Financial Shield highlighted these agencies and recommended placing a freeze. This is new to me. - Clarity Services - DataX...
View ArticlePersonal Consumer Issues • [HVAC] Factory authorized dealer vs. others
Summary: Looking for input on how important it is to use a "factory authorized dealer" for HVAC equipment replacement.First time poster, very thankful long time reader of the insights and wisdom on...
View ArticleInvesting - Theory, News & General • How to blunt the outsized tech...
Let's say we have a faithful Boglehead who wants to keep his/her investments very simple and low cost. They select 50%/50% stocks/bonds for their asset allocation, all in a taxable account, and true...
View ArticlePersonal Investments • Question about traditional vs Roth IRA
Hi,I am still relatively new to all of this so I apologize if this is a dumb question.I have been maximizing my contributions to my employer 403b, HSA, and have now done backdoor Roth conversions the...
View ArticlePersonal Investments • Help with setting up TIPS ladder in brokerage account
I’ll be retiring in 2026 and I am planning for the next 10 yrs before RMDs kick in. I am estimating that I may need about $60k + dividends (from stocks in brokerage account) for my annual expenses,...
View ArticlePersonal Investments • Will this retirement funding plan work?
Hello,Long time lurker, first time poster.I am 42 my dear wife is 40. We have a 4 year old kid. I plan to leave kid's education outside of this computation, we plan to have $300000 for their College...
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