Personal Consumer Issues • Best approach for fascia and soffits?
The wood trim on our newly purchased brick "forever" home is in need of repair/repainting. The wood trim on the house has significant peeling, with exposed wood and some rotting in the shaded areas....
View ArticlePersonal Consumer Issues • cross country ski recommendations
Hi Bogleheads,I went cross country skiing for the first-time last week and enjoyed it. We have long, cold winters where I live (a new area for me) and a nice cross country skiing area in the national...
View ArticlePersonal Investments • Is it worth holding a small cap index fund in addition...
I manage a taxable account with an S&P 500 index and VTMSX (Vanguard Tax-Managed Small Cap). Both have significant long-term capital gains. I will be adding funds to this account that won't be...
View ArticlePersonal Consumer Issues • Has anyone switched from a Megigap G to a High...
My Dad has already failed underwriting and is currently paying $390 a month for a plan G with Mutual of Omaha.I think it might make sense to see if he can switch to a Medigap G high deductible with...
View ArticlePersonal Investments • Emergency Fund - ibonds, treasuries or ...
Hello all, Happy New Year. I'm 60, H is 56, I will retire in 2 years and he in 5 years, so we are still in the accumulation stage. We have an emergency fund equal to one year of spending, which is...
View ArticlePersonal Consumer Issues • Help Finding Lower Cost Carrier WIRELESS =...
Help/Advice needed. Trying to find a cheaper mobile telephone service for two - 4 G. Currently I pay $62/month (taxes included) for First Net and wife pays $80/month (taxes included) for AT&T for...
View ArticlePersonal Investments • TIAA Traditional Annuity Payment Increases (Decreases)
When (if) TIAA increases (decreases) payments to participants who have annuitized, do all annuitants get the same percentage increase (decrease) or does the increase (decrease) depend on contribution...
View ArticlePersonal Investments • Vanguard 1099R
I converted my TIRA to a brokerage account last fall to avoid Vanguard's new fees. As expected, Vanguard has issued two 1099R forms for the two versions of the account. When I compared the...
View ArticlePersonal Investments • Vanguard fund expense ratios including gains
Hi Everyone, I was on vanguard's site recently and found a page where I could see my taxable funds, a column for fund expense ratio, dividends, short/long gains. On the far right column it gave an...
View ArticlePersonal Finance (Not Investing) • CA Estate - Mother Recently Passed - Help...
My mom passed away on Christmas Eve after dealing with cancer and other health complications (my dad passed away around 9 years ago). . .have been trying to wrap my head around the process ahead. ....
View ArticlePersonal Investments • Automatic RMD's
anybody having problems setting up automatic RMD services after converting to the brokerage system. I had to call a client service repto take the RMD let alone setting up auto RMD which according to...
View ArticlePersonal Investments • Taxes and Foreign Bonds: If BNDW yields 5% how can I...
I've been pondering in my head for almost 2 years now how to approach Bonds in my taxable. My current portfolio looks like this:--> Taxable Account: 100% in VT + A good chunk of I-Bonds as that's...
View ArticlePersonal Finance (Not Investing) • Medical Expenses, Cash or Insurance with...
My employer started offering a high deductible health plan (HDHP) in 2024 and I have enrolled. This is the first time I have had access to an HSA so I'm excited to begin saving in this way. I have...
View ArticlePersonal Finance (Not Investing) • Estate 1099 Questions
A close friend of many years died in August 2023. Her assets were bank accounts, an annuity, small life insurance policy, and a brokerage account (TOD). She was never married and did not own a home or...
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Investing - Theory, News & General • TIAA Real Estate -- Interesting...
I have done very well with TIAA Real Estate. I maxed it out, saw it go up in 2021 and 2022 and got out. But timing is lucky. When I sold, I thought I will definitely being rebuying. In deciding on...
View ArticlePersonal Finance (Not Investing) • Medicare Initial Enrollment / Timing w-a...
Thanks in advance for any help provided. I know enough here to be dangerous but don't want to get tripped up on the details. The timing issues and IRMAA impact, along with the spousal component, makes...
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Investing - Theory, News & General • Two Fund Portfolio Asset Allocation...
HiSeveral in this forum pointed out that the original post Two Fund Portfolio Asset Allocation was too dense. Following your comments I am posting a simpler version of the document. Those interested...
View ArticlePersonal Investments • 401K at Schwab
I have had my 401K in SNSXX (index Treasury Fund)due to concern last year of bank issues. Now I'm wondering if I should go back to the money market advantage fund SWVXX which pays a little better. It...
View ArticlePersonal Investments • Newly Minted Millionaire Seeking Advice for Our...
I have been following the forum for a long time, and I have learned a lot from reading various posts. But this is my first post to check up on our portfolio and seek some input for some of my doubts....
View ArticlePersonal Investments • I can't access my Vanguard account and support was...
I've been unable to access my Vanguard account for years. My phone number is different, but I still have access to the email address on file. When I select that I don't have "access to this phone...
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