Personal Investments • BND vs FBND
We have over $200K in the BND fund (since 2022). It has done poorly, of course, but has been increasing and will continue to increase with the projected interest rate reduction this month. After...
View ArticlePersonal Finance (Not Investing) • Mortgage Payment Strategy
Hi Bogleheads!DW and I welcomed a baby and we are going to be moving back home in the coming months. We have found a home for $425k and I'm wanting some feedback from this community on how to handle...
View ArticlePersonal Investments • investing [Where to invest 300k fixed-income]
Now that Tresuerys are on the decline where should I put my 300k T-Bill investment? I do not have a high risk tolerance. I do need 5% return to keep up with inflaction. Help please.[Title edited for...
View ArticlePersonal Finance (Not Investing) • Fidelity Bill Pay with replaced lost...
Last month I lost an Amex card that had been set up for autopay from Fidelity Bill Pay using a CMA account. (It wasn't really lost - it was left in a cruise ship safe. The operated wanted $90 to mail...
View ArticlePersonal Finance (Not Investing) • Roth conversions causing me to bump up...
Would you pay the Medicare surcharge (1.4 x standard $900/yr. IRRMA) in 2026 to do an extra 32000 in Roth conversions this year 2024? Got about 600k in traditional IRA's left that I would like to...
View ArticlePersonal Investments • tax activity for ALL of MY accounts at Vanguard
Probably the answer is no, but is it possible to easily obtain either YTD or quarterly info for accounts that are only mine, and include now merged mutual fund accounts?There are a couple of ways to...
View ArticleClik here to view.
Personal Finance (Not Investing) • Laid off today, what should I be thinking...
I'm 50, almost 51. I was laid off today after 26 years at my company. I can't say I was completely surprised and its really the only way I would have left the job, even though I hated it. I was given...
View ArticleInvesting - Theory, News & General • Cliff Asness's latest thoughts
This acknowledged factor theory expert now offers an explanation for why factor investing hasn't worked to increase risk adjusted returns for 20 years and has massively underperformed one factor beta...
View ArticlePersonal Investments • Reco for an article: Japan's economic crash in the 1990s
Hi All,I have been wondering if what happened to the Japanese stock market in the 1990s, from which it has apparently not yet recovered, could happen to the US stock market? Is there an article/s that...
View ArticlePersonal Consumer Issues • Capital One lawsuit re: online tracking and how...
The privacy implications of online tracking are pretty well documented, but at least for me, there's more confusion about the financial security implications.A class-action lawsuit against Capital One...
View ArticlePersonal Consumer Issues • Yet another crawl space humidity question
I have looked through other threads here and done a significant amount of googling on this subject but wanted to get some ideas from folks here:1) Our crawl space has pretty high humidity over a long...
View ArticlePersonal Finance (Not Investing) • 1041 Question
Hi, I would appreciate any help in clarifying a sticking point concerning my late mother's estate/trust. She established a revocable trust but did not follow through in naming a beneficiary for or...
View ArticleClik here to view.
Personal Finance (Not Investing) • Successor plan i401k...distribute...
Main question: Can non-employee contributions from a 401k be distributed even if a new 401k is opened within 12 months?Background: I have a Fidelity individual 401k and am considering a move to...
View ArticlePersonal Investments • Fidelity Wealth Management pitch
Last week I met with my Fidelity rep for our annual conversation.During the meeting, he shared their opinion that in my late 50s I am a good candidate for their Wealth Management services with over 1M...
View ArticlePersonal Finance (Not Investing) • Israel Bonds and American Backup Withholding
While our real investing follows Bogglehead principles, for the past year I've also been buying a five year eMazel Tov US$2,500 Israel bond every month. And every month, Computershare sends my wife...
View ArticlePersonal Consumer Issues • Manufacturers to consider for double-paned windows...
I've become a lighter sleeper as I age, but I still need a good night of sleep. Unfortunately, road noises occasionally gets me, and it has a rather negative effect on my day's productivity.The...
View ArticleInvesting - Theory, News & General • Being hard sold a SPIA. Opinions?
I just turned 65 and will collect my first social security check this month. It's not huge due to a variety of factors, but its enough to pay my fixed expenses. In addition, I have accounts at...
View ArticleInvesting - Theory, News & General • Transferring assets (I-bonds)...
Thanks to Toddthebod, I just found out that one can transfer assets held by Treasury Direct from one's personal account to one's trust account.My question:If , in doing so, one depletes the assets in...
View ArticleClik here to view.
Personal Finance (Not Investing) • Optimal Distribution Sizes and Types of...
There is much literature dedicated to maximizing wealth for the family office, the trust fund, the individual with the high account balances. Is anyone aware of any literature, studies, or surveys...
View ArticlePersonal Finance (Not Investing) • ancient RLT but no copy found
A friend’s 92 year old mother needs to go into assisted living and her only substantial asset is a house in California worth about $1M. The house is titled in a trust with her name, and this was...
View Article