Personal Finance (Not Investing) • Cutting Expenses
Hi Bogleheads!Does anyone have any suggestions for cutting expenses like utilities (gas, electric), internet service or maybe even gas for the car (ex: I read filling up on Mondays is cheaper and can...
View ArticlePersonal Investments • Talk me out of switching to VGT from VOO
So I was backtesting VGT and VOO in the website below.https://www.portfoliovisualizer.com/bac ... sisResultsWhat I realized is VGT beat VOO in every year since 2010. That is 13 years of constantly...
View ArticlePersonal Investments • Two years later...how do we look?
Hi, Bogleheads! Two years ago you folks gave us our first portfolio review and we're back for a check up. Our investments have changed a bit, we've become more educated on finance, and we'd love...
View ArticlePersonal Finance (Not Investing) • Dealing with nonstop Vanguard Consolidated...
The Consolidated 1099 issued by Vanguard for my brokerage account is about 20 pages. And this year, after originally issuing it an before the April 15th tax deadline they sent out corrected versions...
View ArticlePersonal Finance (Not Investing) • LTD appeal with ERISA
Hi everyone, I have a conundrum that I would like to run past this smart group.I had to leave work in late 2023 due to a disability. I had STD through my work which paid out and now my work LTD should...
View ArticlePersonal Investments • If my mother said farewell to her financial advisor...
If my mother said farewell to her financial advisor, what could she do with the following Class A front-loaded mutual funds?:FUND NAME (CUSIP) American Europacific Growth (298706102) AEPGXBlackrock...
View ArticlePersonal Finance (Not Investing) • Divorce — mortgage impact
My brother is going through a rouge divorce He will retain the home that has a 3.5% mortgage.Since his former wife is on the original mortgage will the mortgage company change and update the interest...
View ArticleInvesting - Theory, News & General • A SORR Subject (The Midlife Remix)
Dear Bogleheads,Sequence of Return Risks (SORR) around retirement is a frequent topic of conversation. Most of us know Michael Kitces insightful work regarding this matter. I find myself in midlife...
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Personal Investments • Yet another TIPS ladder question
Thanks so much for all the great information on TIPS ladders, much appreciated by this first time poster. I think there is something incredibly basic that I am not understanding. Went onto...
View ArticlePersonal Investments • Help me reallocate to 70/30 and stay simple/sane
I'm turning 55, will likely leave BigCorp within a year to do part-time consulting, and have about 86% in equities. I've been puzzling how to reallcate to 70% while keeping my portfolio fairly simple...
View ArticlePersonal Consumer Issues • Trip to fancy Colorado/Utah ski town, around...
Thinking about a family trip to a ski area around Christmas - possibly Christmas 2024 or perhaps 2025. Oldest D and her fiance are in Bay Area, California. The rest of us (DW and I and another D and...
View ArticlePersonal Investments • Fidelity question - advisory fees
For those saying you get access to Fidelity advisors for zero fees, how? I'm on their website and seeing a low of .35 for Robo Advisors and then it scales up from there for other wealth management...
View ArticlePersonal Investments • Portfolio Review: About Time, I Guess
I have been investing since 1990, DIY BH investing for 20 years or more, but have never had a full portfolio review through the forum. You will see remnants of past strategies: Swensen, then Core...
View ArticlePersonal Finance (Not Investing) • After Tax (Non Roth) Split Rollover: 401k...
I'm 67 and retired now. My 401k consisted of 3 types of money. 1) After tax Roth 401k money2) Pre-tax Traditional 401k money3) After-tax non-Roth money. $14,500 ($5000 after tax contributions to a...
View ArticlePersonal Investments • Landed a 2nd job help with additional tax deferred...
Howdy everyone,I just landed a 2nd job in healthcare and I am wondering how to best maximise my retirement accounts. I currently work full time at a hospital with a 401k. The match is low only 1.5% up...
View ArticleInvesting - Theory, News & General • WSJ Reporter doing story on...
Hi Mel. The IRS just put out a statement today that they've sent out a batch of erroneous CP14 (balance due, no math error) notices. Would you post a query on Bogleheads asking if anyone is getting...
View ArticlePersonal Investments • Starting investing at 55 years old
Hello!I am 55 years old single woman, self-employed. I have started investing pretty late, I could say 2 years ago.Two years ago, I opened a Roth IRA with Vanguard with a VTTHX Varguard target fund...
View ArticlePersonal Investments • Cap1 vs. Vsuxx
Hi All - I have some cash sitting in a money market at Capital One Money Market earning 4.25, and am thinking it would be wiser to just transfer it over to VUSXX to earn some more monthly cash,...
View ArticlePersonal Investments • What to do 10 years before retirement?
I believe that I (51) and DW (54) are about 10 years away from retirement. Nothing certain, but it's all trending roughly that way, even if the market underperforms in that decade.The basic setup:*...
View ArticlePersonal Finance (Not Investing) • Would you buy? Opportunity for us to buy...
We’re 2 months in to our 18 month rental here in SD. The owner, who just purchased this property in Jan 2024, needs to sell. His realtor asked us if we are interested in purchasing the home, else...
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