Investing - Theory, News & General • How to blunt the outsized tech...
if sector concentration is pushing into the realm of being an uncompensated risk, we are replacing some of that risk with a factor risk premium that, per factor theory, is systematic and therefore...
View ArticlePersonal Finance (Not Investing) • Double-entry accounting newbie questions
Here's how we handle our merchant processing fees. You're technically getting the full $5.00 as income and then paying an expense of $0.15 in merchant fees. Debit Checking account for $5.00Credit...
View ArticlePersonal Finance (Not Investing) • Fidelity Personal Trust Corp - Question...
My spouse and I wanted to find a corporate trustee to handle our trust once it becomes irrevocable. Being Fidelity investors, it was natural for us to reach out to them to learn more. So far, we're...
View ArticlePersonal Consumer Issues • Remodeling contractor recomendation [Seattle area]
Absolutely amazing! I was one of the ones who posted doubtful in your budget vs work to be done. Congratulations, and enjoy the updates.Statistics: Posted by mjg — Sat Aug 31, 2024 3:40 pm — Replies...
View ArticlePersonal Investments • Portfolio advice on simplifying what an advisor set up
You have made it hard to follow by the format you have chosen where you have used 5 lines for each investment instead of 1 line.Example: Instead fo EFV - ISHARES TR EAFE VALUE ETFpercent of portfolio...
View ArticlePersonal Consumer Issues • Home Energy Efficiency Journey
Now I’ve got to decide on what to replace it with. I love the idea of a heat pump water heater, but reading online they seem to be having a rash of technical problemsMy AOSmith HPWH has been in...
View ArticleInvesting - Theory, News & General • Why pay DAF management fees when you...
We've read about DAFs but I guess I don't see the point of pushing the $ out of our estate and paying a management fee when one can just gift appreciated securities and take the tax write-off. Is it a...
View ArticlePersonal Finance (Not Investing) • Colonoscopy: Will Blue Shield of CA pay...
In my neck of the woods, general anesthesia is the norm for all colonoscopies. This was a change that occurred about ten years ago. During the first couple of years there were reports of insurers...
View ArticlePersonal Consumer Issues • Fidelity Credit Card for Best All Around Card?
The credit card is a completely different website, and it's not great. This is not a card that I would suggest for an elderly person.That's a bummer. I was hoping to reduce the number of websites. I...
View ArticlePersonal Finance (Not Investing) • Perspective on Upgrading 2019 tesla model 3
Hello allWe have a 20019 Tesla Model 3 long range with full self driving with about 80,000 miles on it. It still has powertrain warranty and battery warranty for another $40,000 Mi or 3 years. The car...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Just got a heads-up from a bud about WeBull 3x IRA referral bonus from last Nov-Dec 2023 (1-year hold):For any folks who may have participated in this WeBull bonus from last-year, was told the Rewards...
View ArticleInvesting - Theory, News & General • Can you train yourself to be less...
The US bear market of 2007–2009 was a 17 month bear market that lasted from October 9, 2007 to March 9, 2009. During the financial crisis the S&P 500 lost approximately 50% of its value. I thought...
View ArticlePersonal Finance (Not Investing) • Name change on Social Security number
Many of us deal with this when we get married. Changing the data with Social Security, IRS, company payroll was easy. Changing it on my driver's license was a major hassle, maybe something peculiar to...
View ArticlePersonal Investments • What's in your Taxable Account?
I hold the VFIAX S&P 500 index fund and all three of the Vanguard CA municipal funds as well. The only other addition I have in the taxable account is the Vanguard STAR fund VGSTX that I bought...
View ArticlePersonal Finance (Not Investing) • How do Bogleheads feel about Apple Pay and...
We like to keep things simple and only have two credit cards, one of which is kept just for emergency use. But recently, I’ve been wondering about getting Apple Card or using Apple Pay, in part...
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Personal Investments • Can anyone explain the success of PRWCX (T Rowe Price...
Let me confess that I only have one foot in the index fund "Boglehead" approach. The other foot is in conservatively managed funds. I freely acknowledge that I have no confidence that one or the other...
View ArticlePersonal Investments • sequence of withdrawals during retirement--differing...
@2pedals, thank you. Wiki page is very helpful. I think it is summarized nicely in 3 points below for me. Plus that I don't want to touch HSA/RHRP (will be just about 100K at retirement) due to young...
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Personal Consumer Issues • Recs for impact driver for air compressor
I have a Rigid 6 Gal. Portable Electric Pancake Air Compressor. I wanted to buy an impact driver to easily remove lugnuts for DIY brake jobs and other things. Since I have air compresssor I figured I...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
Rick Atkinson's "The Day of Battle", his detailed account of the Sicilian and Italian campaigns of 1943-44. Less humor than his "An Army at Dawn" and much more critical of the upper command levels'...
View ArticleInvesting - Theory, News & General • Question on mechanics of bond funds
If you hold a long fund for 9 years, and then see 3% in rate hikes over the next couple years, you will be sitting on a big loss despite having held the fund longer than the duration.Someone who...
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