Investing - Theory, News & General • NewRetirement Frustrating Results
I stumbled upon NewRetirement last year and played with it quite a bit, but as a previous person said, it does feel really old school, limited, and somewhat difficult to use while feeling confident...
View ArticlePersonal Investments • Bonds Looking Back
I was among those caught unaware. My traditional three fund portfolio and my target date funds both had a lot of exposure to total bond market. In retrospect, I would have owned the TSP G Fund...
View ArticlePersonal Finance (Not Investing) • What do you currently pay for health...
64, Northern CA, wife on Medicare$1491/mo Cigna Open Access Plus PPO for meLooking forward to Medicare this NovemberStatistics: Posted by loadba:lanced — Tue Jun 25, 2024 11:54 pm — Replies 26 — Views...
View ArticlePersonal Consumer Issues • 1984 speculative fiction
Utopian speculative fiction.Powerful and deeply disturbing.Yes.“The Ones Who Walk Away From Omelas” by Ursula LeGuinStatistics: Posted by Beensabu — Tue Jun 25, 2024 11:54 pm — Replies 53 — Views 3664
View ArticlePersonal Investments • Forced brokerage transition: Other low cost MF companies?
Dodge and CoxStatistics: Posted by MnD — Wed Jun 26, 2024 12:02 am — Replies 5 — Views 460
View ArticlePersonal Finance (Not Investing) • Parent can’t add me to bank account...
I keep all of these frozen. When I need to apply for credit, I temporarily thaw the big three. Takes about 5 minutes online to do so.• TransUnion (https://www.transunion.com/credit-freeze)• Experian...
View ArticleNon-US Investing • Unhedged bond fund for European investor?
mmm I think there needs better clarity on the intent of bond funds, which usually is to provide ballast when market drop, and if you mean 'dry powder' as in rebalancing (say you have a 60/40...
View ArticlePersonal Investments • What do Rick Ferri and Jon Luskin's give as advice?
I think the idea of magic, secret, or special strategy / skill is antithetical to BH philosophy. The goal is competent, individualized, and low cost service -- in other words, what you would do for...
View ArticlePersonal Investments • Asset Allocation - Do You Include Cash?
I do not because I don’t have a fixed allocation to cash and I don’t rebalance into or out of cash. I have a relatively large amount now allocated for a real estate purchase. But usually my cash...
View ArticlePersonal Finance (Not Investing) • home appraisal contingency
I doubt the seller would allow two appraisals on the house.I wouldn't.Statistics: Posted by Bogle_Bro — Wed Jun 26, 2024 12:39 am — Replies 13 — Views 682
View ArticlePersonal Finance (Not Investing) • How to count a pension in net worth...
In my opinion as one who saved for 30 years and never included my military cola adjusted pension in my my net worth the only reason to do so was “so one would feel good about themselves” which doesn’t...
View ArticlePersonal Investments • Comparing 3 fund portfolio by different brokers
If your present asset allocation is appropriate for you, then just sell everything and buy the two or three funds you want. This is a lateral move without tax consequences. It doesn't matter how much...
View ArticlePersonal Finance (Not Investing) • Replacing Car (Unexpectedly) - General...
With our backs relatively against the wall, what are general thoughts on how to pay for this in the current market? I suspect we're going to end up buying another several-year-old vehicle in the...
View ArticlePersonal Investments • I’m new to investing; here [is] my portfolio. Help!
No bonds ? Is VGT an attempt to fill your Roth with something with higher potential return ? If so, why holding it also in your, I imagine, taxable account ? You could replace the S&P500 in the...
View ArticlePersonal Investments • Vanguard is threatening forced transition within 30 days.
It's not a threat. It's a business necessity.What is the source of the fear around this mostly innocuous account transition?I just don’t get it either. I was converted several years ago, and I can’t...
View ArticleInvesting - Theory, News & General • Trading Treasuries (nominal and TIPS)
Did you try clicking the buy/sell link next to the holding to see if you get any quotes? Not buy/sell, but I did click the holding, itself, and then the market depth tab in the pop-up, rather than...
View ArticlePersonal Investments • Was too conservative at 50/50. How to transition back...
Market timing is changing your asset allocation in response to beliefs about future asset returns.Rebalancing is resetting a portfolio back to asset allocation weights after past market action led to...
View ArticlePersonal Finance (Not Investing) • HDHP way more expensive (HSA eligible)
The benefit of the HSA is a tax benefit. This is largest if you want more tax advantaged account space and can't make use of an FSA. Based on your marginal tax rate you can calculate this. This could...
View ArticleClik here to view.
Personal Consumer Issues • Encroachment reveled in land survey at purchase
You already called it "our driveway" at least once, so I think we know the decision you're going to make ...Lol you read too much into it. It was just to make things simpler. Neighbors driveway,...
View ArticlePersonal Finance (Not Investing) • From a Scale of 1 to 10, how will I do...
Simple answer is 9 of 10. More complex is all your other expenses and income. KISS is best in my opinion.Statistics: Posted by Honu — Thu Jun 27, 2024 12:28 am — Replies 28 — Views 1214
View Article