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Personal Consumer Issues • Need Help Unclogging a Drain
Strange to have a 3" OD trap on a basic bathroom sink.Someone may have installed a glue trap with a trap adapter in the vertical.And there are some traps that glue only on the stub out from the...
View ArticlePersonal Consumer Issues • Albuquerque 5 days
Recommended hikes, shorter ones first: Cerro Grande, Canada Bonita trail (Los Alamos), Upper East Fork (near Los Alamos), Lake Peak, Cabezon (class 4, hot in summer), Santa Fe Baldy, Wheeler...
View ArticlePersonal Investments • Figuring out where to park "backup"...
I am all for a long term position in I-bonds essentially as part of retirement planning. However, I am surprised at the all the I-bond recommendations given OPs current assets, point in life, and...
View ArticlePersonal Finance (Not Investing) • Affording private school
Yes, you can afford it. Education is too important to skimp on, especially when you make $650k (!) and have $2M+ already saved. If the budget feels tight you should be able to find something in your...
View ArticleInvesting - Theory, News & General • Why (or at what YTM) does it make...
During the 2008 financial crisis, the market for TIPS was terrible (Search this forum for discussion from poster Doc for more insights).... Good time to be a buyer, bad time for anyone wanting to...
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Personal Consumer Issues • [What TV Show Have You Recently Watched?]
Just started the Bosch series on Amazon. Really enjoying it. I've read a few of the Bosch novels by Connelly years ago. I'm in Season 5 of "The Wire" and I'm blown away by how good Jamie Hector is in...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
For Schwab is the "Trustee and Custodial Agreement" required to be filled out for Individual 401k?In this section "10.01 Trustee" it mentions 1. Trustee Appointmenta. Trustee (Select one.)Option 1:...
View ArticlePersonal Finance (Not Investing) • Asking for my brother questions about...
2) No. Most do have 401k plans, if that's what you mean, but not all do.No, I was referring to an employer withholding from your check and sending it to one of the big three for you. Employer has no...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
... But, I question whether a 70+ year old should be taking on any extra risk in their portfolio on the fixed income side.The reason being if the insurance company goes into bankruptcy it can take 5...
View ArticlePersonal Finance (Not Investing) • At what point can I buy an expensive car?
Off the top my head,After you've paid off credit cardsAfter you've paid off student loansAfter you've created a multi-tiered emergency fundAfter 529 contributionsAfter you've paid off a the current...
View ArticlePersonal Finance (Not Investing) • If Every $1k in Annual Expense = $25k for...
No, the 'math' doesn't really hold up because they entire premise is faulty. There is no such thing as a '25x rule' in the first place, of course you should account for any income you will have in...
View ArticlePersonal Finance (Not Investing) • Contributing to Roth 401k at 64
I am 64 years old and have $1.8 M in Regular 401k. Is it time for me to switch to Roth 401k?I am in my high income years and given my regular 401k balance amount, I am debating whether to take a tax...
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Personal Investments • Trade bond etf's for managed fund VTINX ?
Thoughts on swapping bond index ETF'S for actively managed funds?In retirement now several years. Shook by flat returns these past several years. Invested 56/44 % stock/bonds.VTI VXUS BND BNDX.Like...
View ArticlePersonal Finance (Not Investing) • CPA recommendation for SF Bay Area
I am not encouraging you to do it yourself because you definitely want it done correctly.However, if you don't need to see the person then that person can be anywhere in the country (even the world)...
View ArticleInvesting - Theory, News & General • Implicit assumptions and game theory...
One area where game theory would apply and cut against standard Boglehead advice is for tech workers compensated heavily in company stock who live in tech heavy areas.Standard advice is to diversify...
View ArticlePersonal Finance (Not Investing) • Term Life Review
High level financial picture: ~$600k his/~$300K her income, which will likely double in next 5 years. ~$1.2m invested. Annual living expenses of ~$300k including housing and ~$200K excluding housing....
View ArticlePersonal Investments • Duration of TIPS ETFs
Also, I neglected to mention that my goal is to earn a bond return that at least matches inflation. Is this a realistic goal? (FYI that I am not trying to generate a specific amount of income per...
View ArticlePersonal Finance (Not Investing) • Question about estate tax portability
You can’t do an estate tax return on consumer software such as TurboTax. Law firms with good trusts and estates groups do them regularly. We have software that would probably be too expensive for...
View ArticlePersonal Consumer Issues • Switzerland Travel Advice
I would recommend staying in the mountains, specifically Murren, instead of Interlaken. You would get more of a true Swiss alp experience. It’s a beautiful area and you can do many hikes ranging from...
View ArticleInvesting - Theory, News & General • Should you hedge your SPIA with a...
Perhaps the thread ought to have been titled, instead:Should you hedge your TIPS ladder with an SPIA?Arguably, the TIPS ladder is the more foundational product, and the life annuity is the more...
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