Personal Investments • IRA losses - what is point of brokerages reporting them ?
I recently sold some bond funds in an IRA and it shows long term cap losses I understand these losses cannot be deducted, so what is the point of these even being reported and kept track of by the...
View ArticleInvesting - Theory, News & General • Short-Term TIPS Funds
I'm trying to understand the mechanics of how a S-T TIPS fund is managed, compared to a S-T nominal Treasuries fund. At the end of each distribution cycle the TIPS manager distributes all of the...
View ArticlePersonal Finance (Not Investing) • Health insurance when return from overseas...
Child returning from overseas graduate program & will need health insurance for family of 4.Obvious options:1) ACA Obamacare, but delay of 1 month between applying & start of coverage.2) Short...
View ArticleClik here to view.
Personal Investments • Sell my ~200K in Series I Bonds?! Accumulated 2010-2026
I bought them in part to expand limitew tax-advantaged space and because yields were terrible across the board. Not with TIPS near 3% it's hard to justifyng holding these with .3, .6, .9 etc.... I...
View ArticlePersonal Consumer Issues • What should I expect re repairs to drywall damage
Looking for suggestions about how to work with contractor/company that damaged drywall in my home.I'm having the exterior of the house painted. Prior to the painting, the company needed to repair some...
View ArticlePersonal Investments • Should we contribute to a non-governmental 457b?
Married, age 42, current NW 4.9m (3.8m invested, 100% in total stock market index funds). HHI $800k/year. Annual spending $240k/year +/-. Intend to work until 60.Annual investments this year total...
View ArticlePersonal Finance (Not Investing) • Minor accident and next steps
The other day as I was coming out from a local high school, a high school student banged his car onto the front side of my car as he turned and I was at a stop sign. I could see damage on his side...
View ArticlePersonal Investments • JEPI addition
Would it be wise to add JEPI to the following portfolio of a retired 70 year old to reduce holdings in FZROX and FZILX IRA at Fidelity ($500K total)Cash/ Treasuries 28%SCHD 14%FZILX 16%FZROX...
View ArticlePersonal Finance (Not Investing) • Wondering why Samsung Money isn't...
This is relevant only to people who use Android phones, and more specifically, Samsung phones.I've been wondering why Samsung Money isn't discussed more often.Putting aside the requirement to keep a...
View ArticlePersonal Consumer Issues • What's the oldest thing you own?
Just for fun, three categories:Oldest thing you inherited. Could be a family heirloom passed down through generations. For me: from my father, 1793 George III gold sovereign Oldest thing you received...
View ArticlePersonal Investments • 401k + Cash Balance Plan for S Corp
The situation:Small dental practice, established and mature. It's not mine but I have an interest in it and the owner trusts me and looks to me to help make sure financial moves are kept honest.Have a...
View ArticlePersonal Finance (Not Investing) • What's your 2FA setup?
I currently use authentication at Fidelity, SMS at Vanguard, and SMS at Chase. Chase offers a passkey as a password-less sign-in method; it's not a second factor.Vanguard offers passkey/FIDO2. Every...
View ArticlePersonal Finance (Not Investing) • My $.01 farewell check from Chase Bank
Recently we moved some money out of our attached Self-Directed JPM brokerage account in order to make a major purchase. When we set the account up, initially we were given two options: Private Client...
View ArticlePersonal Finance (Not Investing) • Help Us Choose an ACA Health Plan for 2027
We’re a family of three: ages 52, 52, 12 that get health insurance on the government exchange. The insurance my employer offers is considered unaffordable per the ACA as my share of the cost of...
View ArticlePersonal Investments • Growth in taxable and value in Roth
Right now I have VTI/VOO in both Roth and taxable accounts. Should I have only growth in taxable account and only value in Roth account? This way I can maximize the tax efficiency.I cannot change what...
View ArticlePersonal Finance (Not Investing) • Variable Transfer Time from Vanguard to Chase
Has anyone else notice that Vanguard (VUSXX) Sell -> Arriving to Chase is taking 2.5 business days now? I have done this transfer many times in the past and it's always been 2 business days. I do a...
View ArticlePersonal Investments • Portfolio Review and Optimization
State of Residence: TexasAge: 32W2 Job:Gross pay: $255,000/yrNet pay: $171,360/yr (after tax/contribution/HSA/401k)Typical expenses: $72k/yrPlease provide an approximate size of your total...
View ArticlePersonal Consumer Issues • Sturdy Phone Mount for Vehicle
I have a larger phone, a Google Pixel 7 Pro, that's about 3.5" wide x 7" tall, and I'm on a picky quest for a sturdy phone mount for my vehicle. I bought a Scoche brand I believe from Costco but ended...
View ArticlePersonal Investments • CRUT asset allocation [Charitable remainder unitrust]
HiI have a self-managed CRUT in my Schwab account from which I do a 7% yearly drawdown on.I’m 56 and likely will live a long life, so let’s say to 95. (40 year time horizon).My goal is to have this be...
View ArticlePersonal Investments • Impending Employee Stock Distribution
Greetings Bogleheads. My name is Geebers; I’m the new guy. I have been reading along for a while and finally feel ready to jump in with my first new post. I am currently on the low end of forum...
View Article
/fit-in/580x348/filters:format(webp)/english-betterindia/media/media_files/2026/09/30/project-neev-rural-education-2026-09-30-12-44-56.png)
![Nicolaitan Nightmare [podcast]](http://safeguardyoursoul.com/wp-content/uploads/2026/10/nicolaitans-narcissism.png)