Personal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Even though my credit card company (in this case BofA) doesn't support autopay using a savings account, can I initiate autopay through my bank (US Bank)? Just put in the smartly savings account number...
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
We always look for sales and stock up at the appropriate time. Solid strategy to live frugally.Not too shabby, eh?It's exactly why any non-perishable product is on deep sale at my supermarket I...
View ArticleNon-US Investing • Investment advice for UK resident and US expat (having...
Dear Boglehead community,I've found myself in a research rabbit hole given my complicated tax and employment situation. For context, I'm a US, French and Canadian citizen. I've lived in France, Canada...
View ArticlePersonal Investments • Re: Retirement vs Non-Retirement Asset Allocations
I am tagging on to this discussion to ask a question about portfolio construction. Assume you have a portfolio that is 60/40 in nonretirement (post tax) vs. retirement (split 50/50 Roth and pretax)....
View ArticlePersonal Consumer Issues • Re: any car gurus here? need some advice
There shouldn't be any relationship between replacing coolant and a blown head gasket. The car care nut would strongly disagree with you with loads of evidence to back it up. BTW, when I changed the...
View ArticleClik here to view.
Personal Consumer Issues • Re: Car people - a question about Sport Mode
You'll use it for a few times when your car is new, then forget you have it.I can't speak to other cars, but my car is either in sport mode, or Park. Start car, seat belt, sport mode....
View ArticleInvesting - Theory, News & General • Re: The Magnificent 7 and the...
I generally agree with the benefits of a market weight portfolio, but the size of the Mag 7 stocks have me concerned. They now make up 35% of the S&P 500, and consequently a large part of my...
View ArticleClik here to view.
Personal Investments • Re: Target Date 2025 Vs. Vanguard Advisors Allocation
This is what Vanguard Advisors Advised back in April of 2024:-MikeStatistics: Posted by MikeT — Wed Dec 25, 2024 1:07 pm
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
Vanguard is expecting 10-year returns for US equities in the 3-5% range and ex-US in the 7-9% range. This is not at all based on any expected earth-shattering political or social events. It is based...
View ArticlePersonal Investments • Re: Took a cold call from Merrill and don't think they...
I have a rule of thumb that the more something is advertised, the less it's likely to be good for me. I put cold calling into the more advertised space: whatever they're selling, I default to...
View ArticlePersonal Consumer Issues • Re: Traveling to Vietnam/Cambodia - How’s the...
Thanks for the insurance details, I think the broker might be a good idea, especially if he/she can be objective. I have some experience with filing claims, a week before one cruise I had a run in...
View ArticlePersonal Finance (Not Investing) • Re: Is there a difference both for...
+1 to advice to prioritize deductible TIRA deductions over deductible Solo 401k contributions as the former does not affect the QBI (qualified business income) deduction for self-employed businesses,...
View ArticleInvesting - Theory, News & General • Re: Acronyms and symbols
What is the origin of the “Dear (relationship)” acronym? For example: DD= dear daughter, DS = dear son. While most other acronyms I’ve heard outside of this forum, these I haven’t. Also, what if one...
View ArticlePersonal Finance (Not Investing) • Re: Does anyone have a high-limit...
My current policy is for $10M. Rationale? High income, high net worth, and the relative cost of the policy was dirt cheap for a little extra peace of mind.How much does income play into the...
View ArticlePersonal Finance (Not Investing) • Re: Vanguard RMD Cumbersome Process ???
Can one manually withdraw an appropriate amount, with zero tax withholdings and then make appropriate estimated tax payments ?Or is there a need to even mention “RMD” to Vanguard ?Statistics: Posted...
View ArticleInvesting - Theory, News & General • Re: New tool for building a TIPS ladder
so the tool would have to replace each gap year with a "virtual" TIPS for that year with characteristics derived from the bonds on the bracket years and the number of 2034s and 2040s assigned to that...
View ArticleClik here to view.
Personal Investments • Re: Anybody else do Roth Conversions while working?
Nothing wrong with doing Roth conversions while you're working. I did. Having a low-paying job definitely helped me keep taxes in a low bracket. You just do the math, and if you can convert at a tax...
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
Did I somehow miss someone explaining what is the “one basis point rule”?Figure up what one basis point is of your liquid investments. If you stress (even a little bit) over an expense under that...
View ArticlePersonal Consumer Issues • Re: Coors Light. Why is 18 pack $15.49, 24 pack...
Why all the Coors Light hate?It's a perfect beer for drinking outside in 95 degree summer heat and you can drink a whole bunch of them without barely getting past a buzz. Maybe it's just me, but...
View ArticlePersonal Investments • Re: Will selling loser BND lock in loses ?
I just looked at VMFXX and VBTLX (the mf version of BND) on Vanguard, and VBTLX's current interest rate (4.47) is edging out VMFXX's (4.39). So I'm not sure right now is the time to switch.But VUSXX...
View Article