Personal Investments • Emergency fund in money market account
Would it be reasonable to put most (e.g. 75%) of my emergency fund in a money market account? It seems like it would be a low-risk (not no-risk) place to park money with some return (~5%). Something...
View ArticlePersonal Investments • Decumulation Curves - What do they look like?
I'm 77. Retired for 14 years. I'm trying to figure out what the portfolio will look like in the years ahead. Just to help set up the scenario. My AA is 50/50. The annual return is about 5%/yr for the...
View ArticlePersonal Finance (Not Investing) • Mortgage or Roth 401k Contributions
We were doing our annual financial review today and I ran the numbers on what our mortgage will cost in interest over the life of the loan and determined it to be around 420k. This made me look at...
View ArticlePersonal Consumer Issues • Hot water heater seeping water
We have an HTP SSU-45 indirect gas water heater, installed in 2013. We are the original owners. It carries a lifetime warranty. Recently we have observed some water on the ground under the heater. It...
View ArticlePersonal Consumer Issues • PA Taxes (Schools)
PA is usually viewed well for retires but one thing I've seen is that school (?) taxes can be quite high. I've been searching and haven't found a good source for the taxes for each area. Does one...
View ArticleInvesting - Theory, News & General • Preparing for 2026 tax brackets
Is there anything one should do in preparation for the 2026 changes to the tax brackets?In general and specifically for those having investments in US and International, stock and bond index funds.How...
View ArticlePersonal Consumer Issues • Seeking Recommendations for Cruise of Norwegian...
In 2023, DW and I went on a seven day bus trip of Norway. We loved it and want to return in July/August 2025. This time we want to take a seven to fourteen day cruise of the Norwegian fjords. We...
View ArticleInvesting - Theory, News & General • non-100% Monte Carlo success rate...
I was playing around with a retirement planner software and it ran one of those simulation. It return 100%. I then recall a Michael Kitce article about why 50% success rate does not mean your...
View ArticlePersonal Finance (Not Investing) • Selling commercial property - How can...
[Moved into a new thread from: Capital Gains When Selling Real Estate --admin LadyGeek]We have a large property with aging rental homes. The property has been rezoned for commercial/industrial uses.....
View ArticlePersonal Finance (Not Investing) • TT saying mail IRS 1099-B for inherited...
Two siblings each inherited MF shares 50/50. One is told by TT he must mail the IRS the 1099-B for sale of the shares; the other not. Is there something that may trigger this? Can the data be entered...
View ArticleInvesting - Theory, News & General • Why should expense ratios matter to...
Hi Bogleheads,Many threads here discuss as a consideration some expense ratio savings which are at the single-digit (or low double digit) basis points, e.g., regarding a VTI+VXUS combination vs. VT....
View ArticlePersonal Finance (Not Investing) • Vanguard Account Security
Hello - I'd like to make sure I have the strongest security possible on my Vanguard account. I am using two-factor authentication with SMS text code for log-in, but wondering if there is anything else...
View ArticleInvesting - Theory, News & General • Where to cap Roth Conversions
Is this juice worth the squeeze:I am presently 65 and doing some Roth conversions. My minimum income is comprised of Pension (non cola) plus deferred income plus dividends. This amount puts me into...
View ArticlePersonal Consumer Issues • Car with engine problems
The engine on one of my cars developed a misfiring piston. The car has newish tires (< 8000 miles, decent body. Cost of installing a reman engine would be around 5K. The value of the car with the...
View ArticlePersonal Finance (Not Investing) • 2nd Letter from the IRS-Dear Taxpayer
Oh boy.Sorry for the length of the post.I filed my 2023 taxes in March of this year. I prepared my own taxes as I have for over 40 years. This year I received a IRS letter from, the office of "Return...
View ArticlePersonal Finance (Not Investing) • Tesla app and credit card rewards
DH just pulled the trigger on a new Model Y with the 0.99% and the tax credit.It appears that all purchases (charging, connectivity, etc). goes through the Tesla app (feel free to correct me if I'm...
View ArticlePersonal Finance (Not Investing) • Widower tax rate
When I pass, will my wife be able to file a widower filing status (same as MFJ) or would be switch to the "single" brackets?Statistics: Posted by neopsych12 — Sat May 25, 2024 4:29 pm — Replies 2 —...
View ArticleInvesting - Theory, News & General • Advantage to the Boglehead investor
Despite the formidable reputation and skills of investing professionals, retail investors enjoy real advantages over many other market participants.We can accept as a given that information, skill,...
View ArticleInvesting - Theory, News & General • Government MMF vs Other Similar...
I have a lot of cash in my brokerage account invested in that brokerage company's government money market fund. I have read posts on this forum discussing Treasury Bills, tax free municipal bond funds...
View ArticlePersonal Investments • Fidelity, Vanguard and Schwab???
Does anyone use all 3 Brokerages? I already have accounts at Fidelity and Vanguard but am seriously thinking about adding Schwab as well. I would prefer to consolidate everything to Fidelity but...
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