Personal Consumer Issues • Anyone become "nomadic" in retirement??
I'm 55 and 5 years away from retirement. Spouse is 58 and retired.We are fortunate that we have 2 houses, our main house for the last 20+ years and a lake house 120 miles from our permanent...
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Personal Consumer Issues • attic insulation question - spray foam in tight...
See image. Has anyone ever heard this from a contractor or had it done on their home? (not new homes, adding to older existing home; winter climate)A contractor suggested putting 'spray foam' in these...
View ArticlePersonal Investments • What's the deal with Fidelity's FDVV?
The official name of this ETF is Fidelity High Dividend ETF and should compete with SCHD, VIG, DGRO, VYM and COWZ. However, the ETF is known for its "Style Box - All Cap Value Category." In other...
View ArticlePersonal Finance (Not Investing) • advice for first time 529 and Coverdell...
Hi: My child is a freshman this fall and this will be our first time withdraw 529 and coverdell fund. I have some questions regarding the process1. We selected the lowest campus meal plan, expecting...
View ArticleInvesting - Theory, News & General • Do bonds have less of a protective...
I am interested in FIRE, and have been playing around with different portfolios in Portfolio Analyzer. The free account only lets you look at 10 years of data at a time. In very basic terms, my...
View ArticlePersonal Investments • best bond fund for taxable account
I have been using a muni bond fund (FPXTX) because it is triple tax free.But the performance has been bad.is there a better suggestion in a taxable account?Statistics: Posted by prk — Sat Aug 24, 2024...
View ArticlePersonal Investments • Cash Allocation Advice: Money Market vs. Treasuries...
Hi Bogleheads,My wife and I are 36/35 and still in the accumulation phase. We're currently all in on VTI, with about 7% of our net worth in cash sitting in a money market account. Given the...
View ArticlePersonal Investments • Can Advice-Only Planners Handle Complicated Situations?
I'm a 61-year old federal employee (in excellent health) planning on retiring potentially within the next year. My mother died at 90 in fall 2023; after her entire estate is settled I will have in the...
View ArticlePersonal Investments • Start Up Investment Question
I know this probably goes against typical bogleheads practices but I recently came across a start-up looking to raise capital that piqued my interest. The short version is I have a son with multiple...
View ArticleInvesting - Theory, News & General • What happens to returns if Index...
Two somewhat related amateur questions:If Index investing gets more popular over time, what does that mean as far as future returns (in terms of increasing or decreasing) for someone like myself (and...
View ArticlePersonal Investments • CAUTION: Vanguard mobile app bug
Just wanted to caution anyone who is using Vanguard mobile app to do transactions.I have been using the Vanguard mobile app for depositing and withdrawing money from the settlement fund in my...
View ArticlePersonal Consumer Issues • Payment platforms (p2p) compared: PayPal and Cash App
I've been impressed with the insights offered on this forum regarding various payment platforms. I'd like to ask for any opinions regarding Cash App and PayPal and how they stack up against each...
View ArticleInvesting - Theory, News & General • Rules for extending TIPS ladders
For those of with LMP/TIPS ladders and Risk portfolios how do you decide to extend your TIPS ladder or at a minimum earmark assets for that purpose. I have a TIPS ladder that extends to 85 and I had...
View ArticlePersonal Finance (Not Investing) • Incorrect Roth In plan conversion done by...
Last week I had called Fidelity to perform a Roth conversion on an investment which had some pretax dollars. This was a small amount and I was willing to pay the taxes on itToday I observed that they...
View ArticlePersonal Finance (Not Investing) • QTIP and SLAT?
DW and I met with an estate planning attorney who recommended both a QTIP and a SLAT Trust for each of us (4 estates in addition to Revocable living trust). I understand I need the SLAT for estate tax...
View ArticlePersonal Finance (Not Investing) • Form 5695 tax credit for multiple HVAC units
Hello,I live in Texas where many homes have two central HVAC systems - one for each house level. I had to replace one unit earlier in the year with a unit that will qualify for the $600 tax credit...
View ArticlePersonal Finance (Not Investing) • Slott: The Big Retirement Myth
any thoughts on this?Do Taxes Go Down in Retirement?Benz: Wonderful. It’s been quite a while since we were in person. We want to discuss this misconception. You say you hear it from so many people...
View ArticlePersonal Investments • early retirement cash allocation
Howdy,I've been nudged into early retirement and likely won't work again. For now I do have some income but not enough to cover monthly expenses.Basic info:Age: 35Assets: $2.3M vanguard (87% US, 13%...
View ArticlePersonal Finance (Not Investing) • Best brokerage for HNW clients?
Over the years, we've moved funds to various brokerages to take advantage of bonuses, and now have a mix of joint and individual accounts at a few - Vanguard, Fidelity, Chase, Etrade.Total assets are...
View ArticlePersonal Finance (Not Investing) • Reporting Roth IRA information
My wife and I have Roth IRAs we funded while working. The Roths are over 10 years old and we are in our 60s. I never reported anything to the IRS about the basis (Form 8606??), but since we are past...
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