Personal Finance (Not Investing) • Having a baby at 48
My wife is having a baby next year, I'm 48 and she's 40. I already have 2 adult kids, I didn't have any money when they were growing up because I had them young. My wife is my 2nd wife, she doesn't...
View ArticleInvesting - Theory, News & General • Re: Fixed-income for 2 or 3-fund...
Good question OP. No single answer...but here's a short list of the main philosophies:- Uber Bogle: BND and be done with it- Uber Bogle and demonstrably (though only slightly) better performance data:...
View ArticlePersonal Consumer Issues • Re: Bad car rental experience: Fidelity CC to the...
Not limited to Sixt. Once returned rental to a small Hertz outpost in England. Some six months or so later, got biiled for damage and loss of use of a type car that I didn’t rent. I did not damage a...
View ArticlePersonal Investments • Re: Portfolio Questions... please advice on allocations
When you say, to move some funds to FXNAX, which allocation you suggested?Or do you mean, I should be contributing in FXNAX in any of below ongoing ?Let's work with your target of 40% fixed...
View ArticleInvesting - Theory, News & General • Re: After 2022-23, how are we...
yes, an enormous 8% portfolio-wide underperformance vs STT since lumping into LTT at their peak 4 years ago. If one is freaked out by that short-term performance, what will one do when most of their...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity as a one stop shop
1. Why does Fidelity does not simply report the % of Income from U.S. Government Obligations for Fidelity mutual funds (like FDLXX) on the 1099, and make you find the supplemental information via...
View ArticlePersonal Consumer Issues • Re: High ceiling privacy concern
Can consider window tint if you want to maintain privacy while the windows are uncovered. DIY tinting is cheap and easy if you don't need the absolute best tint professionally installed.Statistics:...
View ArticlePersonal Investments • Re: 8k$ in passive income per month
Thank you all for suggestions. Appreciate it. so the popular opinion is double investment portfolio and spy/div etf would pay close to 8k.Statistics: Posted by rajwar — Fri Oct 18, 2024 12:39 am
View ArticleInvesting - Theory, News & General • Re: Treasury Direct e-mail:...
Skepticism is better than carelessness, but I'm frequently amused at the very specific communications sent to multiple people with rather unique circumstances that people will automatically assume are...
View ArticlePersonal Investments • Re: Larry Swedroe on Reinsurance
The argument would be that it's uncorrelated to traditional stocks and bonds. Modern portfolio theory would suggest that the only free lunch in investing is through diversification. If you can reduce...
View ArticlePersonal Finance (Not Investing) • Re: In desperate need of 11 year old...
Thank you all for all the responses. As luck would have it, I managed to dig up an old statement that is just three months earlier than what I was hoping to get, so that should suffice. Much better...
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US Chapters • BH Online Meeting- "All About Life Insurance"- Tue...
Please join the Bogleheads Life Stage Chapters on Tues. October 29. 2024, at 8:00 pm ET as we host retired life insurance professional and Bogleheads favorite "Stinky" (aka Wayne) with an online...
View ArticleInvesting - Theory, News & General • Re: Fidelity's pitch for the use of...
This is just a FWIW item. If you have a Fidelity account, you might have received an email in the last day or two in which they talk about the tax considerations of the 2024 election. In their...
View ArticlePersonal Finance (Not Investing) • Re: appreciated shares donation questions
Just do a Fidelity DAF.You have already figured out the advantage of making your charitable donations via appreciated assests (shares) to avoid the CG tax and give the charity more.If you currently do...
View ArticlePersonal Finance (Not Investing) • Re: Aca subsidies - (fallen ill - Retire...
Even though I do qualify for some subsidy, my accountant suggested I not take it up front. I pay the total monthly amount up front so that I can deduct it which lowers my MAGI. I then get a bigger...
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Personal Consumer Issues • Re: Bad car rental experience: Fidelity CC to the...
Glad to see this post. Definitely have assumed a posture of assuming every rental car company is out to scam us. We rented twice last year during our trip to the Balkan peninsula. Once for 14 days in...
View ArticlePersonal Consumer Issues • Re: Desktop Monitor - 1440 or 1080?
I agree with the post above.For a small monitor (24" or less) you'll want 1080p.For a 27" monitor 1440p is a perfect resolutionFor a 32" or larger monitor 4k is a good resolutionHonestly even at 24...
View ArticlePersonal Finance (Not Investing) • Re: Medigap 2025
I know we all have our own price sensitivity but an extra $21 a month for what amounts to great health insurance doesn’t seem like that a big a deal.Statistics: Posted by gips — Sat Oct 19, 2024 2:01 am
View ArticlePersonal Investments • Re: Short Vs Medium Vs Long Term bonds
Hi All,For funds in a taxable account(32% federal and 6% state) which I won't be touching for 20+ years, should I use a short, medium, and/or long term muni bond fund for my bond portion?If you won’t...
View ArticlePersonal Investments • Re: Too Munch Money in Bank of America - asking for...
I suggest stashing in a municipal money market. I have a small account at Merrill linked to a small BOA account and their MM funds are just terrible. The municipal money market funds at Vanguard,...
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