Personal Investments • Federal Employee Couple - Seeking Feedback on...
Hi: We are also tandem federal employees living overseas. Yes, the free housing with additional pay adjustments for being overseas does help in increasing savings. Not to forget the free schooling....
View ArticleClik here to view.
Personal Finance (Not Investing) • Buying a primary home in Seattle Washington
I bought a home in Edmonds for the following reasons. Please confirm what gaps you notice in my analysis:<snip>We are paying $1.2M for a 2,501 sq. ft new construction home with a lot size of...
View ArticleClik here to view.
Personal Consumer Issues • Whole house ELECTRIC backup - PowerWall?...
We have a 2200 sq ft townhouse on the Gulf Coast.We have a small L shaped backyard. I basically dragged a permanent generator installation company out here against their will few years ago and they...
View ArticleUnited Arab Emirates • Ireland domiciled BOND ETFs vs US-domiciled? What's...
Is interest earned taxed?It is ... complicated.The US has a special dividend tax exception for nonresident aliens who receive fund or ETF interest that originates from US bonds. So distributions from...
View ArticleInvesting - Theory, News & General • Good Analysis of Direct Indexing by...
I am 71 years old and just recently (3 months ago) signed up with an advisor who convinced me to invest in direct indexing using O’Shaughnessy and to buy bonds through Telemus. The advisor fees we...
View ArticleInvesting - Theory, News & General • Revisiting the "Lost...
Better off being an optimist than a pessimist.My preferred cliche is "hope for the best and prepare for the worst".The absence of a deep, prolonged recession for 15 years now has me worried....
View ArticleClik here to view.
Personal Consumer Issues • Heat Pump Maintenance: Professional Annual...
talzara, do you have an opinion on how often the Mitsubishi min-splits should receive professional service for light to moderate use?The manual says "After the air conditioner is used for several...
View ArticlePersonal Consumer Issues • Bird watchers – what birds are you seeing?
Along the lines of birds of prey ... this time of year I hear an Eastern Screech Owl around 4 AM. I've never seen one, but have heard them in the AM for many years now.I thought I was hearing a...
View ArticleInvesting - Theory, News & General • I am having FOMO. Please remind me...
The life strategy fund is trailing t bills in real terms, yet the six months worth of expenses have been preserved which is the real goal.I think $12k instead of the default was the overfunding, which...
View ArticlePersonal Finance (Not Investing) • States with permissive change-of-residency...
Most if not all states participate in regional tuition reciprocity/discount programs. For a national overview: https://www.nasfaa.org/State_Regional_Tuition_ExchangesStatistics: Posted by Mr. Rumples...
View ArticleInvesting - Theory, News & General • AA changes after starting SS?
Nope.Statistics: Posted by doobiedoo — Thu Jul 11, 2024 2:42 am — Replies 15 — Views 1031
View ArticlePersonal Consumer Issues • Protecting Brand New Car From Salt-Related Rust
Someone already linked my thread where I summarized what I had found from reading forums. I haven't had to make a decision yet as I won't buy a new car until one of my clunkers is done.One thing to...
View ArticleInvesting - Theory, News & General • [WSJ article: Vanguard’s Die-Hard...
Vanguard’s Die-Hard Customers Have a Message for New CEO: ‘The Service Is Abysmal’Well I'd say that so far Salim Ramji has not shown that he has received the message clients are sending him about...
View ArticlePersonal Finance (Not Investing) • Looking for advice...."nomadic"...
The other insurance aspects are something I'll need to think more about.Would you mind sharing your findings here when you look into homeowners/renters, auto, and umbrella insurances? I may want to be...
View ArticleInvesting - Theory, News & General • How do you deal with the all time...
I would obviously much rather have market at all time highs, but I am probably not alone in thinking about the inevitable correction. Since markets go up on stairs and come down in an elevator, the...
View ArticlePersonal Investments • Bond Fund Ladder?
I am also retired and I use a a short and intermediate term inflation protected bond funds. I use a money market fund for money I want available for the next 1-2 years. I do not use a spreadsheet. I...
View ArticleInvesting - Theory, News & General • Article says Treasury Bonds are...
You can use a Treasury money market fund. Vanguard uses the Federal MM fund as the settlement fund but you could easily just move money from the Federal fund to a Treasury fund. I considered doing...
View ArticlePersonal Consumer Issues • Retiring to Upstate NY
I am also in the Fayetteville Manlius area and work in Syracuse. Everything is nice about it here EXCEPT the taxes, which are terrible. I don't even mind the snow (and I grew up in California)!...
View ArticleInvesting - Theory, News & General • why not dividend stocks instead of...
Great points being made. Thank you all.I think I am going to revisit this thread in 3-5 years and see how I made out.I am bullish on the USA.I am not confident on how and when interest rates will...
View ArticleInvesting - Theory, News & General • The One-Fund Portfolio as a default...
We’ve been thinking and learning about one-fund portfolio a few months now. We’ve read this thread carefully and finally we decided to change our current portfolio to one-fund solution. We’re...
View Article