Personal Finance (Not Investing) • Including Renovations in Home Calculation
This has been discussed many times here, with what seems to be no definitive conclusion, moreso personal preference. Here is my question: wife and I age 30-31 just bought our first house for 346k. We...
View ArticlePersonal Consumer Issues • type of dermatology provider for routine exams...
This is a question that would apply to anyone and is not intended to request medical advice but rather consumer advice about what provider type offers the best value for routine care, given the need...
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Personal Finance (Not Investing) • Family, Retirement, 401K, and Brokerage
Hi Bogles,I hope I can find some guidance here. Born and raised in California. Met my spouse who is from Singapore here and we have a growing family. I’ll fast forward to where we are now. Spouse and...
View ArticlePersonal Finance (Not Investing) • Estranged Relative Needs Me To Sign a Check
I have an estranged relative who has sold something, I am presuming investment assets, and the check they received is made out to me and them. They are asking for my help (via a call I sent to...
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Personal Investments • Why I prefer multiple asset classes to the BH 3 fund...
I've discussed this topic in other threads, but thought it would be reasonable to start a new thread and perhaps pull in a different audience.I've looked through several threads on the 3 fund...
View ArticlePersonal Finance (Not Investing) • Home Insurance in California
We're in the process of closing on a home in Palm Springs, CA, but getting home insurance is proving very difficult. We have a broker but so far he has been unable to find anyone what will insure the...
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Investing - Theory, News & General • NYT The Daily - "Was the 401k a...
https://open.spotify.com/episode/6FsJlL ... K2Q3UQ5ymQMy basic takeaways... everything hinges on their moral argument that retirement is a right, not a privilege. They claim the 401k was a mistake and...
View ArticlePersonal Investments • Portfolio Recommendations
Hi all,TLDR;- Roth IRA through Vanguard- Have about 20k sitting in settlement fund waiting to be put into something- Have majority of assets tied up in VASGX along with other various stocks such as...
View ArticlePersonal Finance (Not Investing) • Rear ended while on a trip in Portugal...
Was rear ended today while on a trip in Portugal. The car was rented from Hertz in Spain. The rental was booked with Chase Sapphire Reserve using their travel portal.Since the accident happened at a...
View ArticlePersonal Finance (Not Investing) • TTTXX vs SPAXX for state tax savings?
It’s my understanding that SPAXX distributions are not entirely exempt from state tax but TTTXX generally is. What would one look for in a MMF prospectus to determine how much of the funds holdings...
View ArticlePersonal Investments • What's Vanguard PAS up to?
Early April I opened a Vanguard Digital Advisor Account to get all my accounts transferred, let the “Robo” handle all the transfer details, I will manage the portfolio myself soon. All went well,...
View ArticlePersonal Investments • Do DRIP Calculators Consider Fees
When using an online DRIP calculator to compare a funds past performance with another fund, does anyone know if the calculator considers management fees in the calculated returns displayed?Here's an...
View ArticlePersonal Investments • Save Cash in Money Market to Pay Off House?
I owe about $400k on my $1.2million home. Because I plan to keep the home forever, I consider only the debt when calculating my net worth. Using that framework I have a net worth of about $1.9million....
View ArticlePersonal Consumer Issues • Paint Protection Film for vehicles
Have you used PPF for your vehicle? Which brand (e.g. Xpel, 3m)? Were you satisfied with the results? How long did it last?I'm trying to decide whether or not to cover the hood of my car to protect it...
View ArticleInvesting - Theory, News & General • Bogleheads contributing to financial...
Another graduation season is upon us and another six copies of Bogleheads Guide to InvestingSecond Edition have been gifted. It was three grand-nephews and three family friends this year. Last year my...
View ArticlePersonal Finance (Not Investing) • Set up Trust/Estate Plan now, or after...
Hello all--I have been looking through several of the Estate Planning threads trying to understand what makes sense for my situation, but some specific advice would be helpful.The overall situation is...
View ArticlePersonal Investments • 529 Plan Contributions and Gift Taxes
Can the 529(c)(2)(B) election be made two years in a row? As an example, consider the following hypothetical contribtuions to a 529 plan:$51,000 in 2023$36,000 in 2024Let's say the 2023 contribution...
View ArticlePersonal Investments • Retirement investing/budgeting for a low-rate mortgage
I'm getting our financial house in order to consider retirement - we're somewhere between 8-14 years away.At retirement, we will still have a large mortgage with 10-15 years still to go, but it's a...
View ArticlePersonal Investments • Vanguard's "Tax-Efficient Retirement...
I was contacted by a Vanguard representative about participating in a new planning program they have rolled out, called "Tax-Efficient Retirement Strategy". I didn't find a prior thread about this...
View ArticlePersonal Finance (Not Investing) • 2025 Medicare Drug Costs - maximum...
In 2025, I'll be 65 and starting Medicare.Today I read about the "donut hole" for drug costs here on the forum. I found this on the Internet:Thanks to the Inflation Reduction Act, in 2025 annual...
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