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US Chapters • Re: October 17, 2024 Meeting - End of Year Tax Planning
SF Bogleheads Meeting Thursday October 17, 2024 530pm Pacific - IN PERSON & ONLINE - 6:30 Mountain, 7:30 Central - 8:30PM EasternTopic: Year End Planning StrategiesHow to save money on your...
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Personal Finance (Not Investing) • Re: Financing a new home build—seeking advice
Construction loans are an expensive and troublesome pain with lots of hoops.My last was in 1993, and I vowed to self fund my many builds since then.HELOC, refi existing mortgage, margin loans, stock...
View ArticlePersonal Consumer Issues • Re: Fort Lauderdale vicinity retiree locales
There are so many much more desirable and safer places within an hour north of Ft Lauderdale to check out. Lauderdale has gotten to be an expensive pit.Statistics: Posted by rickcrna — Sun Oct 20,...
View ArticlePersonal Finance (Not Investing) • Re: Write Check from Inheritance Account...
Got it, and when you write a check that you deposit into your "joint" account. . .do you write anything special on it? (Ex: Gift? Purpose?)I just electronically transfer from my Schwab Inheritance...
View ArticlePersonal Consumer Issues • Re: $2000 water bill - yikes!p
. I am also going to shut off the toilets in the guest en-suites and the basement that are rarely used and not monitored. Turn those on when we actually have guests or have an unexpected urge in the...
View ArticlePersonal Consumer Issues • Re: Potential Job Relocation - Washington D.C.
People talk about the DC region being a high-cost-of-living area, but the median household income in Montgomery County, Maryland is $125k, and in Fairfax County, Virginia it's $140k, so most...
View ArticlePersonal Finance (Not Investing) • Re: Life at a crossroads [Should I take...
Own our house, worth 1.2 million, estimated mortgage remaining $800,000 @ 3.5%One part I haven't seen anyone mention is what a fantastic deal you're getting on your low-interest rate mortgage. If you...
View ArticleInvesting - Theory, News & General • Re: My New Retirement Thinking: LMP...
I seem to remember a recently necro'd thread from a year ago where you voiced similar concerns and since then the S&P 500 has increased 30%. Another poster, in this thread, mentioned you have been...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
I had planned to put the Plan ID as the "Client Number". I've never seen any other number that it could mean. I assumed that's what they mean.You're going to fill out the transfer form at both...
View ArticlePersonal Finance (Not Investing) • Re: aging-at-home vs nursing home for the...
Regarding two sentences Chris wrote above--"There is more to say here that may not be permissible in the forum" and "I'm not counting on that myself and am making plans based on what I'm observing in...
View ArticleInvesting - Theory, News & General • Re: What is the difference between...
I think an index fund manager still would need a trading desk to perform good executions given the magnitude of the trades.I’m not sure. That would be an issue if they trade during the day, but as I...
View ArticlePersonal Investments • Re: Roth IRA (25 Y/O) allocation
In your situation (knowing what I do now), I'd buy VTI and VXUS in the Roth. Then in your taxable if you end up able to invest there I'd just chose another total US stock and international ETF. VT, is...
View ArticleInvesting - Theory, News & General • Re: Shiller PE now near 37 - 3rd...
You have to read what they said. Basically, the metric has been increasing over the years. Consequently, comparing PE in a given year to the values in previous years the PE was consistently higher...
View ArticlePersonal Investments • Re: Changing funds in my VG Roth IRA
Depending on what other investments you have, a target date fund is actually not a bad place to be. Not sure of your age, but an easy way to shift to a more aggressive portfolio would be to just...
View ArticleInvesting - Theory, News & General • Re: Overcoming irrationally
It may be difficult to reduce to mathematical analysis and precision -- that is not necessarily irrational.Much of personal finance is behavioral, not what you may call mathematical .Most Bogleheads...
View ArticlePersonal Investments • Re: Asset Allocation for 90+ year old?
The Vanguard Target Retirement Income Fund (VTINX) for those looking to just have income in retirement (birth year before 1953) has a very conservative asset allocation of 30% stocks and 70%...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
One thing that's got me in the RH faq is, when does a margin debit settle? Any portion being rejected downgrades you to the 1% bonus. If I buy sgov on Mon on margin, when can I enter my transfer?...
View ArticlePersonal Consumer Issues • Re: Continuing Care Retirement Communities: Coping...
I know a couple who recently moved into a CCRC. They tell me the're adjusting to living in a smaller space. They had to sell and give away a fair amount of furniture and other items prior to moving...
View ArticleNon-US Investing • Re: Are there actually any good financial advisers?...
I don't just use intution, but also strategies. Both are better than just one, no?I have asked my FA to generate returns for the past 3 years which he hsan't done yet.Statistics: Posted by Cyath — Mon...
View ArticlePersonal Investments • Re: How Do Bond Maturities Affect Asset Allocation (If...
Hey! It sounds like you’ve got a solid grip on your portfolio. I get where you're coming from with the bond confusion—I’ve been there too! I used to have a chunk in short-term bonds, thinking they’d...
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