Personal Investments • UPDATE: High-level early retirement plan - What do...
Hi again,I thought I would follow up with the Boglehead community to give an update on our progress towards early retirement and ask for input on how we can pull it off considering our financial...
View ArticlePersonal Investments • Second Tier Short Term Savings
Are you maxing Roth IRAs? If not, that is an excellent place for a 2nd tier liquidity fund. Roth contributions can be pulled at any time.Statistics: Posted by MathWizard — Fri Mar 01, 2024 3:41 am —...
View ArticlePersonal Finance (Not Investing) • Do I take out a 7.44% car loan or do I dip...
7.44% would be enough for me to just take it out of a Roth and not play the leveraged returns game.Statistics: Posted by B4Xt3r — Fri Mar 01, 2024 3:44 am — Replies 2 — Views 91
View ArticlePersonal Finance (Not Investing) • Feels impossible to take the foot off the...
At your level of income, you can afford to buy almost anything, but not everything. Candidly, that isn't likely to change. Even at double, triple, quadruple the income you have now - it would still...
View ArticlePersonal Consumer Issues • Cloud based backup options for sensitive files
My cloud backups are heavily encrypted. My encryption password is freakishly complicated.Statistics: Posted by lws — Sat Mar 02, 2024 1:04 am — Replies 46 — Views 2358
View ArticlePersonal Investments • does asset allocation shift when total portfolio is high?
I am not as certain about that because no one can predict with exactitude their future expenses only current expenses so I went to a more conservative allocation when my totals got up there and I...
View ArticlePersonal Finance (Not Investing) • How can tell if FDLXX is state tax exempt...
Yes, do that.Statistics: Posted by nalor511 — Sat Mar 02, 2024 2:13 am — Replies 7 — Views 348
View ArticleInvesting - Theory, News & General • Are We in a Stock Market Bubble?...
Please apply a heavy dose of critical thinking to anything Ray Dalio says before you incorporate into your knowledge base. He is a shameless self promoter and he is one of the best in the world at it....
View ArticlePersonal Finance (Not Investing) • Is ACA Excess Advance Premium Tax Credit...
When in doubt, follow the instructions. It's also a good idea even when not in doubt.It's a good idea. But this requires being adept enough to fully understand and follow them correctly, even with no...
View ArticlePersonal Finance (Not Investing) • deposit on new car
Please don't put a deposit on a car which hasnt been found yet, or one that you have not yet test-driven. The actual car, not another car of the same make and model. 'Cuz you never know.Are you saying...
View ArticleInvesting - Theory, News & General • Do small-cap funds purge their winners
SMCI is not an outlier. Many of the top stocks in VB have 20-100x over time. Small caps have lots of room to grow before they the become mid caps.Thanks for the correction.--just laying out my...
View ArticlePersonal Investments • REIT fund for buy and hold index investor?
If you're on the hunt for a REIT option from Vanguard, you should give their Real Estate Index Fund (VNQ) a look. It's designed to track real estate investment trusts, so it's a bit different from the...
View ArticlePersonal Finance (Not Investing) • Primer on Paying Taxes With a Credit Card
Infirst Federal Credit Union is offering 5x points on its Visa Rewards card for tax payments until 3/31/24. Not sure if there is a cap. Those outside the geofence can qualify through NARFE membership,...
View ArticlePersonal Investments • Consolidating ETFs/Index Funds without Tax Impact?
Here is a list of Vanguard index mutual funds that can be converted tax-free to Vanguard ETFshttps://personal1.vanguard.com/pdf/etfpdf.pdfStatistics: Posted by Wiggums — Sat Mar 02, 2024 3:36 am —...
View ArticlePersonal Investments • Mega Backdoor - Post separation from employer?
Based on other threads, the after-tax contributions should roll into a Roth. The gains on those contributions would go into a traditional IRA.I'm not sure that's correct. I have done multiple Mega...
View ArticlePersonal Finance (Not Investing) • How to have student claim AOTC?
I intended to say "near" full-ride. The scholarship covers tuition and housing specifically and includes a $250/semester book allowance and a $1750/semester stipend.Last year, he was in the dorm and...
View ArticlePersonal Investments • Nice problem to have
Do you have a question for us?Statistics: Posted by snackdog — Sat Mar 02, 2024 3:58 am — Replies 2 — Views 210
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Thanks Boston10 for the detailed reply, nothing but agreement here. I will probably end up at Fidelity, but ME/BofA has been good to me, and not just in terms of credit card stuff. But to me they are...
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Personal Finance (Not Investing) • The Psychology of Retirement (Your thought...
Wet blanket here... ....Sorry, I'm just not seeing it now.No need to apologize Nestegg_User. I put myself out there and you respectfully replied. Our plan is to move overseas to a V/LCOL location once...
View ArticleInvesting - Theory, News & General • Vanguard Announces CEO Retirement...
It's a race to the bottom for financial services - like many industries. Vanguard can't escape this.Having worked many years in a very large organization, my opinion of the CEO is that many of them...
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