Personal Investments • Finding good individual bonds
I have held bond funds as part of my portfolio for many years now. I am now getting closer to really needing the income that bonds can generate.My mutual fund bond holdings got clobbered along with...
View ArticlePersonal Consumer Issues • Washing car with "foam cannon"??
I like a clean car but hate the process so I'm always on the lookout for an easier way to wash. After seeing a lot of favorable reports on YouTube I bought a cheap ($20) foam cannon gizmo that hooks...
View ArticlePersonal Consumer Issues • Disability insurance - extending elimination...
I’m considering adding on another policy to my current disability policy and one topic that came up was extending the elimination period from 90 days to 180 days for some premium savings. I am not...
View ArticlePersonal Investments • Comfortably plateaued
Looking for some portfolio advice. As the title eludes I’m feeling stuck at the moment albeit not hurting just not sure how to go from here. I’m 35, married 2 kids. Stable career. I’ve recently gone...
View ArticlePersonal Investments • Early Retirees--Any Surprises?
Interested in pro tips from those who have retired early. Curious what you thought you had planned out from a financial perspective about early retirement that you later realized you didn't.For...
View ArticlePersonal Finance (Not Investing) • Part time job with 401k match for retired...
I'm 65. Basically retired. I live off my investments.Comfortable. Low draw rate. I may soon be offered a part time job. No real benefits besides the wage and a matched 401k to some percentage (5-10%)...
View ArticlePersonal Investments • question on Investing for income with house proceed
Hi,My wife and I are in the process of selling our home and looking to invest the net proceeds of about $700,000 in income producing investments to pay our rent and possibly other expenses. Between...
View ArticlePersonal Finance (Not Investing) • 529 Withdrawal timing with K-12 prepayment...
Our oldest is going to kindergarten next year at a private school, and we're going to pay for it from her 529. I'm trying to figure out how to time payments and withdrawals in order to make everything...
View ArticlePersonal Finance (Not Investing) • New S CORP owner
Hi everyone. I am a new physician SCORP owner as of late last year and early career physician 3 years out of training. I have a full time job as a W2 with a hospital and opened the S CORP as I have...
View ArticlePersonal Consumer Issues • What's the best way to let EMS know I have a DNR?
I have a DNR (do not resuscitate) order but am concerned that emergency personnel will not be aware of it or will still administer assistance for legal liability reasons. I live alone, so there would...
View ArticlePersonal Finance (Not Investing) • Taxes - Does bond premium get deducted...
Simple example - a return with $20,000 in taxable interest (1099 box 1), $2000 in bond premium (1099 box 11).Does the bond premium get effectively deducted from the taxable interest (netting to...
View ArticlePersonal Investments • Thank you to this forum
In 2011, my investment assets were about $30k. I had no idea what I was doing when it came to investing. I used to freak out when my 401k dropped by $500. I used to think it was important to sell when...
View ArticlePersonal Consumer Issues • Google Pay: what information about you does the...
I have set up GPay on my laptop for those times when a website offers GPay as a payment option. I have used it to make donations to things like GoFundMe and a political group. I'm wondering what...
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Personal Investments • In-laws annuity - what questions to ask?
Due to a series of events, my husband is working to get a better handle on his parents' finances and help them make adjustments where needed. He does have financial POA but hasn't used it before now....
View ArticlePersonal Investments • Gold All Time Nominal High
So on Friday gold traded at an all time nominal high of $2500. In 1924 the dollar was 1/20th a troy oz of gold. In 2024 the value of the dollar is now 1/2500th a troy oz of gold. According to BLS CPI...
View ArticlePersonal Investments • Roll over from Alerus to Fidelity
My husband recently retired and has a 403 (b) and a pension at Alerus in Vanguard Funds including the Vanguard 500 Index and bond funds. Would it be prudent to roll it over to Fidelity or Vanguard...
View ArticlePersonal Consumer Issues • What type of grass for our backyard?
We live in metro Atlanta area, our backyard is currently Fescue and the unshaded portions are all dead.Previously we had Bermuda grass in the backyard several years ago, but with the Bermuda the grass...
View ArticlePersonal Finance (Not Investing) • Group Universal Life options after...
Hi,I have a question regarding group life insurance coverage I have had with my former employer. I recently received a notice with the following options after separation.1. Continuation: pay monthly...
View ArticlePersonal Investments • How to allocate investments between IRA and brokerage...
Hi all, I'm moving away from a Fidelity managed account (0.7% annual management fee, $16K/yr) to doing everything myself. I could use some advice.Quick stats: Married, both 55. No debts, house paid...
View ArticlePersonal Finance (Not Investing) • Switch jobs at 58 or wait for a package?
Hi Bogleheads - I need some advice. I am 58 years old. There is a very high chance of a layoff at my current company (FinTech) in the next few months, which may impact me due to my seniority/age. My...
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