Personal Investments • Portfolio Review in Mid Career
Emergency funds:4 monthsDebt: Mortgage: $619,160 Rate: 3.37500%Line of Credit: $143,844 Rate: Secured Overnight Financing Rate (Current ~5.33%) Tax Filing Status: SingleTax Rate: 35% Federal4.75%...
View ArticleInvesting - Theory, News & General • What does risk really mean? How is...
In layman terms what does risk mean? Does it mean the degree of volatility and how long does it take to recover?How is this determined? Since we can not tell the future, I am guessing it is based on...
View ArticlePersonal Investments • Am I on the right track (portfolio review)?
Please be gentle! I am very much of a novice. I hope I did the format correctly and everything is clear. If not, let me know what to revise. I had a late start due to schooling and trying to pay down...
View ArticlePersonal Investments • Beginner's Portfolio Review - Appreciate Your Input!
We just started learning about investment, following the bogleheads’ investment guide and tracking our spending and investment at the beginning of this year. We greatly appreciate any advice you may...
View ArticlePersonal Finance (Not Investing) • Best Way to Get Free Credit Reports
Is the best way to get free credit reports by filling out the form on this website? I haven't checked my credit report in a long time. Is it true the free report doesn't give you your...
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Personal Finance (Not Investing) • 1099-R for the distribution of excess Roth...
Hi,In 2021 I had excess contribution into my Vanguard ROTH Ira. That year I ended up with a bit larger income, and the excess contribution of $1450.I did not know this until March of 2023, when I...
View ArticlePersonal Finance (Not Investing) • Question re: tax on social security
I have a question about how my social security will be taxed. I was downsized from employment in February 2024. My total income from the job was $33,156. Taxable wages are 30,633. Federal withholding...
View ArticlePersonal Finance (Not Investing) • Simple Calculator For Estimating Income...
Is there a simple calculator online that will estimate my state & federal income tax assuming the following annual income in retirement:Taxable Account Dividends = 25kInherited TIRA RMD =...
View ArticlePersonal Consumer Issues • tips for renting a car with an unknown end-date
I anticipate traveling cross-country to a family member who will be getting out of the hospital in a week or two, to help them transition back home and I might be there a week... or I could be there a...
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Personal Investments • Changing the Entire Portfolio Before Retirement
I am 40 years old and have been holding a Boglehead portfolio for about 5 years. My friends say they invest in individual or growth stocks when they are young and then plan to switch to VOO or...
View ArticlePersonal Consumer Issues • Checking/Credit reports
I know about the big three credit reporting agencies, Innovis and Chex. This article lists several more that I have never heard of. Anybody here monitor them or freeze them (if it is available)?...
View ArticlePersonal Investments • Fixed Income Recommendations
Big news (for me): I got Morgan Stanley to remove the last 3 accounts from AUM at 90bp. That is, they are now mine to manage (without fee).One is a cash balance account (my wife and her partner),...
View ArticlePersonal Investments • Dividend Posting
The problem that Vanguard had with dividends for June reocurred for July. Month end dividends for funds are being shown in Activity but not being reflected in Balances in instances where they are...
View ArticlePersonal Consumer Issues • Safety Ratings Ford Transit and Ram Promaster
I usually look at Iihs website (Insurance institute for highway safety) to see the safety ratings for cars including small overlap crash tests for the safety of both the passenger and the driver....
View ArticlePersonal Investments • Delaying pension vs collecting and investing
I am 56 and have a very small pension due from the musician's union. I will almost for sure not be contributing to the fund any longer (I am not even a member at this point), but the chance of me...
View ArticlePersonal Finance (Not Investing) • Security of your brokerage rests in the...
Came across an interesting issue and would like some opinions.My (and yours) brokerage accounts can easily be accessed without knowing the complex 15-20 letter/number/symbol password. How, you ask? If...
View ArticlePersonal Investments • TIAA Real Estate | Expense Ratio Increase
TIAA RE (QREARX) has seen its expense ratio rise to 1.02 percent. It had been considerably less. (around 0.80).Anyone know why? I realize you cannot compare it's expenses to VNQ. I successfully held...
View ArticleInvesting - Theory, News & General • Monte Carlo Simulation - the other...
I have pretty much much only use Monte Carlo in Portfolio Visualizer using just the historical option. What are the various options and is there some sort of tutorial of running Monte Carlo on...
View ArticlePersonal Finance (Not Investing) • Car totaling -- how to prepare *before* it...
I have a terrible hunch that my car will be destroyed a second time by another at-fault deadbeat ghost, so I'm about doubling my auto insurance premium to add Collision coverage*.I saw in this thread...
View ArticlePersonal Consumer Issues • Things to do in Kauai
Will be heading to Kauai for 3 days in a few weeks and probably won't be back to Hawaii for a while. What are some must to things to do while we are there. No kids, just two adults and we're fairly...
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