Personal Finance (Not Investing) • Medicare Easy Pay vs credit card
I am currently paying my Medicare/ irmaa monthly via credit card in order to collect the 2% cashback. I would prefer to have an automated payment to mitigate any risk that my manual payment might be...
View ArticleInvesting - Theory, News & General • Question about VAIPX (Vanguard...
We own this fund in one of our IRAs. According to Vanguard, VAIPX had a 4.44% return in the last one year. Is this the real return?Statistics: Posted by Prudence — Wed Aug 07, 2024 9:05 am — Replies 0...
View ArticlePersonal Finance (Not Investing) • Car Titling Question When One Spouse...
Both of the cars owned by my wife and I are jointly titled, but I do 90% of the driving in one of the cars, and 100% of the driving in the other. My wife rarely drives anywhere. So it seems like it...
View ArticlePersonal Investments • SIPC vs Risk of Consolidating
We have several different financial accounts between me and spouse. We are early 50s. As we get older, I thought it would be a good idea to consolidate to make it easier for our kid (and us) to...
View ArticlePersonal Investments • AllState Homeowners Policy - Installment Fee
I have an upcoming renewal on my AllState Homeowners Policy. The premium due date is Aug 30. I want to equally divide my payment amount across multiple credit cards to optimize my cash flow. So the...
View ArticlePersonal Investments • Need some help with transfer agent AST/Equiniti
I own some shares in a company that are held by a transfer agent AST which is now Equiniti. I am joint tenant on the account with my mom and siblings. We want to move these shares to a brokerage...
View ArticlePersonal Finance (Not Investing) • Property title wording in Maine
Dear Forum,Next week, my spouse and I are closing on the purchase of a home in Maine where we hope to someday retire. How should our names be worded on the title in order to:1) best protect the...
View ArticlePersonal Finance (Not Investing) • Can Wife and I afford 2nd vacation property?
Ages 44 and 40Income = $200,000 a year - Both are teachers with guaranteed 3% raises over the next 3 years (jobs very stable and almost impossible to get fired)Net Worth = $1,140,000Retirement =...
View ArticlePersonal Finance (Not Investing) • Citi Costco membership downgrade refund -...
Hi,I have a Citi Costco card with executive membership ($120/year). Though I moved out of US (not a USC/GC) we are retaining the Costco membership as we prefer to keep the Citi card active (plans to...
View ArticlePersonal Finance (Not Investing) • Which mortgage to take?
Hey everyone - buying a property in Massachusetts. Looking at 2 mortgage quotes I got. Both mortgage brokers are saying they have the better deal but wanted to see which one is actually best or if I...
View ArticlePersonal Finance (Not Investing) • Vanguard web site design for RMD with QCD
For those who have taken an RMD this year, I'm curious if the web site mechanism is the same. Previously I would create a transaction to take my QCD and wait for that to complete.Then another...
View ArticlePersonal Consumer Issues • Apple Devices Failing
I’ve recently run into a string of bad luck with three Apple devices. All appear to be sudden battery failures. Two iPads from 2021iPhone 12iPad Air from 2013 and several old iPhones still going...
View ArticleInvesting - Theory, News & General • Bridge ladder question
if i need to bridge some years before SS starts when would i look at say a Tips ladder vs keeping the same amount in cash in a MM account? what's the breakeven point of utilizing one method vs the...
View ArticleInvesting - Theory, News & General • Why is Larry Swedroe wrong about...
Larry Swedroe (who I highly respect!) has often explained that when you invest in the Total Stock Market only, you’re exposing yourself to just a single risk: “the market.” He seems to believe that a...
View ArticlePersonal Finance (Not Investing) • Direct IRA Rollover Check + Withholding...
Hello Bogleheads,I'm helping my MIL consolidate accounts after her husband passed away last year. One particular account was being transferred right around an ex-dividend date, and she received a...
View ArticleInvesting - Theory, News & General • Vanguard Portfolio Watch changes US...
I noticed that Vanguard PW changed its US Stock Market Capitalization percentages today. For example, today it shows Large Caps as constituting 71.71% of the U.S. stock market, but prior to today it...
View ArticlePersonal Finance (Not Investing) • Inheriting/Dis-Inheriting
I am working on my will now - percentages to heirs.I am single and want to name my siblings as heirs. They are all younger than me, maybe outlive me. There's one who's been outright cruel to the rest...
View ArticlePersonal Investments • how long to keep bank records?
My business in one financial institution has been depositing money to either money market accounts or certificates of deposits, or moving money between them, depending on maturity dates and interest...
View ArticlePersonal Consumer Issues • Cilajet ceramic coating for new vehicles
Recently, I purchased a new vehicle. The dealer attempted to automatically add Cilajet ceramic coating to the invoice. I declined given the excessive price of $1,500.00. Anyone else have this...
View ArticlePersonal Investments • Optimal Method to move to three fund in IRA
I have an IRA, which represents a little under 1/3 of my total net worth spread across many ETFs. For simplicity's sake I will move into three funds as noted in Guide to Three Fund Portfolio.I have...
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