Personal Investments • Re: BND vs VMFXX for money needed in 2026
It also depends on the consequences of the choice. If interest rates go up and BND loses 5-10%, would that be a hardship? If yes, stick with MM or CD. If not, invest the money as normal.This is the...
View ArticleInvesting - Theory, News & General • Re: I Bonds Mega Thread (I Bond...
I have been battling with the question of how much worse I-bond fixed rates have to be compared with TIPS yields before I will buy I-bonds again.I settled on the arbitrary number of 0.5%....not via...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
had to fix-up cost-basis/tax-lot info on brokerage - coming out of moomoo to etrade. As planned - kept lot/cost basis info prior to sending to moomoo. Also, moomoo - sent excel sheet of cost/lot info...
View ArticlePersonal Finance (Not Investing) • Re: Distributing will in cash money ($25k)
The executor and beneficiary should meet with an elder/family law attorney to discuss options. If an attorney is representing the estate, start there. He or she will refer to a different attorney if...
View ArticlePersonal Finance (Not Investing) • Re: Per diem or receipts for business meal...
I always use the standard daily allowances. Because I would never spend that much on food/hotels, it works out well for me.For 20 years this is how I did it as well. Never heard a peep from the IRS...
View ArticlePersonal Investments • Re: Why is $VXUS moving up so much recently?
I was kind of shocked how I couldn't find any information or chatter, anywhere, about this. VXUS is up 2% in a day, with USD flat (so not a currency effect), and US stocks flat as well. Just pure...
View ArticleInvesting - Theory, News & General • Re: I love rebalancing instead of...
I will note that the 4% rule applies to the past. It’s impossible to tell if the results of the various studies will be reproduced in the future. It could be that 3% is required in the future for...
View ArticleInvesting - Theory, News & General • Disappointing Vanguard Brokered CD...
I am very pleased with Vanguard overall, but for me it appears to have been a mistake to move my CD ladder to Vanguard.When I first made the switch, non-callable brokered CD rates at Vanguard were...
View ArticlePersonal Investments • Re: [Safe Withdrawal Rate] Are you 3% and why/why not?
It is not clear whether the available spending reported by ficalc is adjusted for inflation.Oh yeah they are. Just under the Results title; "All dollars and returns shown in the results are...
View ArticleInvesting - Theory, News & General • Re: Larry Swedroe's latest article...
But what whatever reason, apart from Larry Swedroe, I don't think I can remember anybody citing articles recommending these funds. It's not as if Paul Merriman added them at the same time Larry...
View ArticleInvesting - Theory, News & General • Re: Distribution intended to be RMD...
She got the correct amount from her IRA into her settlement fund ( next step is exchanging it into her taxable account) For next time, she should be able to move it directly from the fund in her tIRA...
View ArticlePersonal Consumer Issues • Re: Year end tip for lawn maintenance service?
But if you really wanted to, I actually think Christmas would be the ideal time, because it represents a time when income is short in that industry, while also being the traditional time you might...
View ArticleUS Chapters • Re: How would you describe the Bogleheads?
And in the style of Larry David:Alright, picture this: a bunch of people obsessed with investing, but not in a flashy, "Wolf of Wall Street" kind of way. No, these folks are, like, *really* into...
View ArticlePersonal Investments • Re: Investment math on when parent could consider...
She is not in danger of exceeding the federal estate tax-free exempt amount in the foreseeable future.At age 70 she may have 30 more years ahead of her, some of which may be in assisted living or...
View ArticlePersonal Investments • Re: Why does Vanguard target retirement have 40% of...
Should I also increase my international proportion?Pick something you can stick with. You don't want to be asking this question all the time. Doing so is counter-productive. There is a wide range of...
View ArticlePersonal Consumer Issues • Re: What is your favorite book?
Lonesome Dove To Kill a MockingbirdA Time to To Kill 11/22/63Rocket Boys (recent read I enjoyed)Liked the fourth one plus the TV series based upon itI recently read 11/22/63 and liked it a lot. Very...
View ArticlePersonal Finance (Not Investing) • Re: Bank of America/Merrill Edge -...
My all state auto premium coded as onlineNot in my experience. My insurance premium to Progressive coded as online, just as another poster reported above. This is also very recent, August 2024.Based...
View ArticlePersonal Finance (Not Investing) • Did Bogleheads Live podcast stop? If so, why?
I enjoyed Jon Luskin's Bogleheads Live podcast and I was wondering if it stopped a while ago (haven't had any downloads in my feed for some time)? I know Jon's busy in his various roles with...
View ArticlePersonal Finance (Not Investing) • Re: How to Pay for Medical School
I'm a physician, a pediatric sub-specialist. Growing up, all I wanted to do was to become a physician. It was my dream during my whole childhood.If you don't take ANY of the rest of my advice and you...
View ArticleInvesting - Theory, News & General • Re: 2024 Overconfidence - Let’s have...
Stock dividends were in the 5%-6% range back then (compared to 1% today), and we had deflation during the Great Depression (which is WHY it was a Depression), and the Fed is on record saying they will...
View Article