Personal Consumer Issues • Favorite public gardens or botanical gardens in...
Filoli House & Gardens, Woodside, CAHuntington Library, San Marino, CA (as previous posters have mentioned.) A beautiful museum and various botanical gardens.Descanso Gardens,...
View ArticlePersonal Finance (Not Investing) • Do I have too much real estate ?
OPIs rent - (interest (not principal) + taxes + insurance + HOA) a negative number for the rentals?How much are you saving from the 150k income net after taxes every year?Why would you want to keep...
View ArticlePersonal Finance (Not Investing) • Something like sawdust near the front door ?
Look above, at your eaves and jambs and casings and such. I'd wager it's a couple of carpenter bees making some holes above in some wood and it's dropping down.I second this. I see it all the time...
View ArticleInvesting - Theory, News & General • Sharpe ratio of S&P500 < 1....
This thread has some good infoviewtopic.php?t=335282Statistics: Posted by gammalaser — Sun Jun 09, 2024 9:51 pm — Replies 3 — Views 385
View ArticlePersonal Investments • Pre-tax vs Roth for HNW
Estate tax exemption is around $27 mil for a married couple. They both have $30 mil. Husband passes. The estate moves to his/her spouse tax free. The spouse passes. Now, estate tax kicks in. Anything...
View ArticlePersonal Finance (Not Investing) • Juno bank trouble
I'm struck by the first sentence in the "legalese" description at the bottom of the Juno home page. After scrolling down to the bottom I see the following...Juno (CapitalJ Inc.) is a financial...
View ArticleInvesting - Theory, News & General • Are you a closet market-timer?
I would have to be completely opposite.After reading Bernstein's Four Pillars of Investing book in 2002 I made my investments / allocations in January 2003. All those investments have remained as is...
View ArticlePersonal Investments • Still have 15 yrs till retirement. Any suggestion for...
OP here.Thank you for super fast responses! It sounds like I don't need to spend anything for a planner at this point.As far as SS, what I meant was whether their estimate considered the large...
View ArticlePersonal Finance (Not Investing) • Umbrella Insurance
the key question is: what are you trying to protect?In my case, I feel an obligation to help someone I might injure for life in a traffic accident (medical, lost income, etc.). Not hard dollars and...
View ArticlePersonal Finance (Not Investing) • Which FEHB Plan Did You Choose And Why?
BCBS basic. Have no regrets, not retired yetI decided against Basic in part because it -- at least currently-- offers zero Skilled Nursing/Rehab Facility days (SNF). Without any Medicare that would be...
View ArticlePersonal Investments • Dad's TDA going to Mom's IRA
Are you sure that this account is in an IRA? Because an IRA is already tax deferred, the term TDA is most often used to describe a non qualified annuity, or sometimes a 403b plan. If this annuity is...
View ArticlePersonal Investments • Where to buy/sell physical Gold
Thanks for clarifying, smitcat. I priced selling to Apmex today and for Eagles they offered 1.1% below spot, for Krugerrands 2.1% below spot and Maple Leafs 1.3% below spot. A local coin dealer told...
View ArticlePersonal Investments • Cash at Fidelity
FZDXX at Fidelity. 5.17%.$100,000 minimumAn important point:You need $100K to GET INTO FZDXX.Once in, it does not matter how much money you keep there.I have had my FZDXX holdings down to a few...
View ArticlePersonal Investments • Extreme Concentration in the S&P 500
The top 10 stocks in the S&P 500 now make up a record-high 35% of the index. Having half of my investments in SP500 index, I find this very disturbing.What do you guys...
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Forum Issues and Administration • Bogleheads and ChatGPT
There's already anti-AI technology becoming available. This new data poisoning tool lets artists fight back against generative AIThe tool, called Nightshade, messes up training data in ways that could...
View ArticlePersonal Consumer Issues • Dimmer Switches
We had issues like this with old non-LED compatible dimmer switches. No issues since changing to new LED compatible dimmer switches.Statistics: Posted by cmr79 — Mon Jun 10, 2024 9:44 pm — Replies 15...
View ArticlePersonal Investments • Best brokers for beneficiaries?
Vanguard for whatever reason does not require an SSN, which can be helpful in certain situations.Statistics: Posted by rogue_economist — Mon Jun 10, 2024 9:50 pm — Replies 9 — Views 392
View ArticlePersonal Consumer Issues • The EV Life Cycle?
As for battery longevity, that is not much of a concern today, and it will likely improve with time. And if it doesn't, an EV battery nowadays only costs a bit more than an ICE engine, and in the...
View ArticlePersonal Investments • Portfolio analysis
I'm curious how you concluded you knew more than the fee-only adviser?I would say that TIAA Real Estate's expense ratio isn't quite directly comparable; that's been discussed here many times. You...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
Hello, my apologies in advance for not traversing the entire forum in the Cash Plus Account context. I took a look at a few pages and was unable to find the answer I was looking for, so here goes.I am...
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