Personal Consumer Issues • Bird singing in the morning
For the past couple of weeks, bird singing wake me up every day between 4:30am and 5:30am, disrupting my sleep. At first I thought it was just transitory but it is happening every day. I don't see any...
View ArticlePersonal Finance (Not Investing) • Is Del Mar, CA worth the cost?
I'm seeing small rental places (under 1,000 square feet) for around $5,000 per month near the beach. It appears people are paying these prices. If it can be afforded, is it worth it? I am unsure of...
View ArticleInvesting - Theory, News & General • HSA contribution increases for 2025
The 2025 annual HSA contribution limit will be $4,300 for individuals with self-only HDHP coverage (up from $4,150 in 2024), and $8,550 for individuals with family HDHP coverage (up from $8,300 in...
View ArticleInvesting - Theory, News & General • Alan Sloan on Vanguard Nickel and...
Alan Sloan (like a lot of Bogleheads) is not happy with the new fees that only affects small investors (under 1 million or in some cases, under 5 million).https://www.yahoo.com/finance/news/vang ......
View ArticlePersonal Investments • 13 year check-in
It’s been about 13 since I last posted. viewtopic.php?t=69979 Crazy how time flies! My career and investments have done well, and I mostly stuck to the plan I put together here back in 2011, but the...
View ArticlePersonal Investments • Asset Allocation after 20+ Years at Edward Jones
After 20+ years with Edward Jones, and almost no personal input on their fund management, I have finally converted my parents to the Boglehead lifestyle. I initiated a transfer today of all assets in...
View ArticleUS Chapters • Missoula, MT chapter
Is anyone interested in forming a Missoula, MT Bogleheads chapter?Statistics: Posted by Willowbrook — Sat May 18, 2024 2:41 pm — Replies 0 — Views 23
View ArticlePersonal Finance (Not Investing) • Saving an Inheritance for a House vs...
I realize this question pertains to investing, but it's more a question of how I can best handle receiving a windfall. I apologize if this is the wrong place to ask.I currently have enough cash for a...
View ArticlePersonal Finance (Not Investing) • Annual Gift vs Inheritance
My in-laws are aging and it's definitely starting to show. Their finances are solid, but not spectacular (I pay their bills, help with investments, etc.). They both have generous LTC policies and...
View ArticlePersonal Investments • Help me choose a bond fund for 401k.
Hello Everyone!I am putting my age in bonds for my portfolio but I am a little confused about which fund to choose. I only have 4 bond funds to choose from.Can you guys share some insight on what...
View ArticlePersonal Investments • 100 % Fixed and Content, a Mistake ?
I have read this forum for a long time and decided to take the leap.We are in our early and approaching mid 70’s.A big plus for us is our SS covers all of our non discretionary spending with some left...
View ArticlePersonal Consumer Issues • Old gas mix with new?
Hey guysI have old gas that I didnt use up from an outboard motor (in the external tank) and was wondering if I could just use it up and pour the rest into one of the tanks on either of our cars next...
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Personal Finance (Not Investing) • Changing Robinhood Gold subscription from...
Has anyone been successful at getting their robinhood gold plan switched to $50 annual one from the $5 monthly one? I moved a bunch of IRA money during their 3% match promo and two chat agents have...
View ArticleInvesting - Theory, News & General • New version of PortfolioVisualizer?
Anyone else seeing a new (and maybe harder to use) version of PortfolioVisualizer in their browser?https://www.portfoliovisualizer.com/Statistics: Posted by Gaston — Sat May 18, 2024 4:28 pm — Replies...
View ArticlePersonal Investments • How does rebalancing actually work?
It seems to my amateur mind that if I “rebalance,” what essentially happens is my entire portfolio is liquidated then immediately “rebalanced” to my new AA. This seems like a net negative because I’m...
View ArticlePersonal Investments • Private Mortgage vs. Municipal Bonds
I have an opportunity to provide a private 30-year mortgage to my son at the current rate of about 7%. I would be using money that is currently in a portfolio of individual municipal bonds averaging...
View ArticlePersonal Finance (Not Investing) • Buying Treasuries on Fidelity
Can someone direct me on how to narrow down my search on Fidelity to find US treasuries with a minimum of $1000? I've looked at the depth of books and the smallest that I can find is (5) or...
View ArticlePersonal Investments • Roth 401(k) Mega Backdoor and Pro Rata Rule
For purposes of the pro rata rule, are 401k's a separate category from IRAs? In other words, if you convert a traditional 401k to a Roth 401k, does the pro rata rule impact your traditional IRA? I...
View ArticlePersonal Finance (Not Investing) • Day Trip Travel Deduction?
Wondering about the below scenario:Work from home for various clients, all issuing freelancer a 1099.For one of the clients, once a month, freelancer must travel to jobsite via train directly from...
View ArticlePersonal Finance (Not Investing) • Check my Roth Conversion "Answer"
I purchased MaxiFi Planner to run Roth Conversion estimates. Here is my somewhat surprising conclusion. Are my assumptions wrong? Does this conclusion sound right?Assumptions:No Heirs/Dependents, so...
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