Personal Investments • Insufficient Settlement Funds for a Treasury auction?
I plan to buy new-issue, 10-year U.S. Treasury notes at auction in my Vanguard Roth.Suppose my Roth has exactly $100,000 in the settlement-fund, and I enter an auction order for $100,000 face...
View ArticlePersonal Consumer Issues • Trip to Italy for not so active travellers
I am looking for suggestions of a travel to Italy for not so active travellers. I have a family member who is not a "walker", but likes good Italian foods. AI suggests the Bologna region. Any...
View ArticlePersonal Finance (Not Investing) • PSA: Compendium of Medicare Costs
One of my biggest challenges and surprises when I transitioned from employment to retirement was to find an accurate resource to plan for retirement health care costs. This is how naive I was: When I...
View ArticleInvesting - Theory, News & General • 2025 Fed Res SCF released
Federal Reserve's 2025 Survey of Consumer finances came out.https://www.federalreserve.gov/publicat ... /scf26.pdfThis is the ultimate survey to benchmark spending, income and net worth.This triennial...
View ArticleInvesting - Theory, News & General • Vanguard's passkey not asking for my...
Background: I don't use any hardware devices, tokens, or authenticator software apps.Narrative:I go to personal.vanguard.com and it redirects to login.vanguard.com.The login screen is empty. There's...
View ArticleInvesting - Theory, News & General • Do brokered CDs have the...
I'm dipping my toe into Vanguard brokered non-callable FDIC-insured bank CDs for one main reason: not needing to be alert for maturity, and hitting the 30-day window to instruct the bank NOT to...
View ArticlePersonal Finance (Not Investing) • Obamacare to Medicare in April, 2027, and...
Hello Bogleheads,I am a 64-year-old single filer and will be transitioning from Obamacare to Medicare in April 2027. I have been capping my taxable income at $60,000/yr for Obamacare but want to...
View ArticlePersonal Consumer Issues • Strategy for Dealing with Homeowners insurance...
Claim was initiated the following morning. This happened at 11pm. We ended up with bathroom flood from a broken supply line in our second floor bathroom which cascaded down to the first floor living...
View ArticlePersonal Finance (Not Investing) • VG passkey label revision?
As probably every VG user has experienced by now, when logging days you are prompted to create a passkey.Having investigated this, it seems like the preferable choice. I was also happy to see that...
View ArticlePersonal Investments • Early withdrawals from Roth accounts
Hello, I have the learned the following about early (before age 59.5) withdrawals from Roth accounts, mostly from AI. Can someone please confirm one or more of these statements and provide...
View ArticlePersonal Finance (Not Investing) • Wondering About Pros and Cons of...
We live in a lower-middle-class area of a medium-size city. We could afford to move to a more upscale neighborhood, but we have lived here a long time and we're in a convenient part of the city for us...
View ArticlePersonal Investments • $114K to be withdrawn in 2-3 years
Hi Friends,My friend is gifting myself and my child $19K each/year for three years to help build toward a down payment on a future home. This is exceptionally generous, and it’s the first time I have...
View ArticlePersonal Finance (Not Investing) • Opportunity Closer to Family
About a two years ago, I uprooted my family and moved them about 13 hours away from grandparents, cousins, etc. The move was difficult, but the area we now call home is nice and the kids (all under...
View ArticlePersonal Investments • Vanguard cost basis messup? during individual to joint...
In late 2023 I wanted to convert my individual account to a joint account with my spouse. It wasn't possible then and so vanguard suggested we create a new joint account and transfer my positions to...
View ArticlePersonal Investments • Asset Allocation for Children's Trust
Hi all,I'm seeking input on asset allocation from this forum for a trust for children where there are no plans to distribute the money in the next 24 years, except for possibly passing dividends to...
View ArticlePersonal Investments • Spousal IRA - how does it work?
I’m looking at ways to lower our AGI in anticipation of filing FAFSA next year, for school year 2028-9. This year’s taxes will count. We’re on the cusp of no longer qualifying for certain state grants...
View ArticlePersonal Investments • Checking account that "pay early" on direct...
Question: do checking account "paid early" systems, that typically credit direct deposits two days before the transfer date, represent tiny free loans from the bank?Story:We just changed banks and the...
View ArticlePersonal Investments • Is a financial plan from a planner worth buying?
I met with Pure Financial people. They are going to want me to go with them and pay by AUM but don't worry, I'm not going to do that.But another option they have is I pay $2,500 and they make a...
View ArticlePersonal Finance (Not Investing) • Helping Parents Manage Finances
Hello all, Apologies if this is not the right sub forum but essentially my question boils down to how I can help my parents manage their finances without actually being the one doing it. My parents...
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Personal Consumer Issues • Annette Gets A Car: Chevy Trax versus Jeep Compass...
[Topic is now in Personal Consumer Issues - moderator mkc]Any thoughts on these vehicles? The Trax is the least expensive option. All handle well. Lease/ buy new / buy used or rent? Or other...
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