Personal Investments • Late Start - Need Help with 2-yr Plan
Taxable - Savings Account100% cash (everything is currently in a HYSA @ 5.02% APY) & CD @ 5.67% APY term ends in Dec) - about to put as much as possible in tax-advantaged and use savings for...
View ArticleNon-US Investing • Do US brokerages demand an IRS Transfer Certificate before...
I have been arguing with people on Reddit for the past 5 years that they should be really careful about listening to all the FIRE US based influencers advocating for things like VTI, or VOO only. I...
View ArticlePersonal Investments • Money market paralysis
The inversion of the yield curve has caused me a bit of investor paralysis. I’ve held an intermediate bond position for my fixed income portfolio portion for over 40 years. Most recently I traded out...
View ArticlePersonal Consumer Issues • What is your favorite book?
Longtime Faves:Invisible Man by Ralph EllisonLucky Per by Henrik PontoppidanGo Tell It on the Mountain by James Baldwin (read before or after the Pontoppidan)The Master and Margarita by Mikhail...
View ArticlePersonal Investments • "Safe" Use of Aggregator?
Hello,I have been tracking my portfolio in Excel: 80% in four funds (more or less Ferri) and 20% in individual stocks. I reinvest all dividends where possible. Updating the individual stocks is...
View ArticlePersonal Finance (Not Investing) • How much is okay to tell a prospective...
If the job is advertised as Mon-Thu, then sure, say your wife is off Fridays so the job is a great fit for you. This may allay fears they may have that you would leave if full-time work becomes...
View ArticlePersonal Investments • Vanguard web totally useless. Thinking about move to...
I've had similar experiences at Vanguard with the "new" website: Attempting to buy mutual funds from a bank account requires the "Full Purchase Page" aka the "old" website. But when you click "Use the...
View ArticlePersonal Investments • Fidelity CMA to pay bill and Vanguard Cash Plus for...
In the non-CMA account FZLXX can be the core position.Statistics: Posted by Northern Flicker — Wed Jul 03, 2024 1:48 am — Replies 35 — Views 1896
View ArticleInvesting - Theory, News & General • What is your age and asset allocation ?
Age 69, retired 12 years.Code: Stocks 87%RE 11%Cash 2%Statistics: Posted by doobiedoo — Wed Jul 03, 2024 1:54 am — Replies 1161 — Views 158373
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Personal Finance (Not Investing) • This is why I'm glad I started investing...
Not sure that I understand. Started earlier than the OP, am some number of years older, am doing more or less OK portfolio-wise, long ago passed the 25X or 33X or 50X or whatever ratios folks decree...
View ArticlePersonal Consumer Issues • Is there a fiduciary problem with the Kahala Nui...
It sounds like you're unhappy with this CCRC from your other post. To me, it seems like the Board of Directors gave reasonable and honest answers to the questions about their fiduciary duty. I'm...
View ArticlePersonal Finance (Not Investing) • Checking for frequent Euro traveler
HSBC Premier is very good. All ATM fees reimbursed, very good foreign exchange rates, no foreign credit card fees. I am not sure about any difference with Expat HSBC. There is a minimum account...
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US Chapters • Roll Call for the Retirement Class of 2024!
Happy 4th of July everyone !! Here is the latest roster for this Wonderful Retirement Class of 2024!We already have 32 Bogleheads who have retired this year - Congratulations! And what a remarkable...
View ArticlePersonal Finance (Not Investing) • [Solo 401K Excess Employer Profit Sharing...
Thank you!Statistics: Posted by Birga — Thu Jul 04, 2024 1:46 am — Replies 2 — Views 290
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Personal Consumer Issues • Chrysler Pacifica Platinum AWD V6: Experience,...
Questions:Has anyone had good experiences with the Chrysler Pacifica?Does it fall apart over time, interior and/or exterior (unlike Toyota and Honda which are very well put together)?(shakes, rattles,...
View ArticlePersonal Consumer Issues • Retiring to Upstate NY
I don't know the NY counties, but I can say this. The Lake Snow effect is very real. Grew up watching Buffalo just get dumped on. Winters are warmer now, and that seems to be making it worse (more...
View ArticlePersonal Investments • Review our thinking on Roth conversions (is an advisor...
If born in 1960 or later, the RMD age is 75.billStatistics: Posted by billfromct — Thu Jul 04, 2024 2:23 am — Replies 3 — Views 413
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Personal Investments • Portfolio Review / Mid 30s
AA is a shortcut for asset allocation, percentage of equity vs fixed income (e.g. stocks/bonds). With no bonds at all (100/0) in the financial crisis your portfolio would have lost over half it's...
View ArticlePersonal Investments • Do Young Retirees Stay Aggressive?
Our thought is to have a withdrawal rate of zero due to income = expenses upon hitting 2M. Do you mean income from investments, i.e. dividends?That would mean a withdrawal rate more than zero, as...
View ArticlePersonal Finance (Not Investing) • Electronic transfers over $10,000 between...
As far as I know, it's about currency transactions, i.e. pushing cash into the banking system. So if you withdrew it as cash and then walked cash into the bank, then yes, they'd file a currency...
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