Personal Finance (Not Investing) • State Unclaimed Property
I had gone through this years ago and thought I found everything but... just found a utility bill refund that's likely 7+ years old.Used the official state (.gov) site.Already the claim was approved,...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
I have an IRA at WB on the 3%/5yr bonus schedule. It is now only in its second year, but its value has grown from $450k to $550k. Given that this has now exceeded the SIPC limit of $500k, I'm thinking...
View ArticlePersonal Consumer Issues • What are in your category of discretionary...
Oh, man, I’m working so hard to try to spend more and now you want me to think about spending less?! [sigh]Travel and DW’s very expensive hobby are about 40% of our expenses. They would have to go,...
View ArticleInvesting - Theory, News & General • No equities allow higher withdrawal...
I dont believe you should do anything 100%. At age 68, I've got 50/50 stocks/ bonds. With 50 % of the bonds in TIPS.We have a very similar portfolio at ages 73/72. Some years we spend from equities...
View ArticlePersonal Investments • Gifting to grandkids
I would think transferring "in-kind" between different brokerages when the account names don't match is likely to be very problematic.I am custodian to our 3 Grands and their accounts are at Schwab,...
View ArticleInvesting - Theory, News & General • Threshold rebalancer question IPS(ish)
I use relative drift equalization so your b and algorithm b as described here: https://www.alignfolio.com/research/con ... hodologiesStatistics: Posted by murrays — Thu Oct 08, 2026 10:34 pm — Replies...
View ArticlePersonal Consumer Issues • What are you listening to now
Don't Start Me Talkin’ — Sonny Boy WilliamsonMagic Bus — The WhoThis was always my favorite Magic Bus recording..https://www.youtube.com/watch?v=zwM14LorzWoAh yes, Live at Leeds, so good!Statistics:...
View ArticlePersonal Investments • Muni fund tax loss harvest
Keep in mind that the share price of your fund may be higher or lower after 31 days. The percentage change could be more than expected.If you would prefer to not take that risk, you can sell your fund...
View ArticlePersonal Consumer Issues • Roof--probable leak around chimney--what to do?
. The contractor said if it were he, he'd just tar over the chimney and make it thick and spray the bricks and apply something elseI would not do that. First, crumbing mortar should be fixed - mortar...
View ArticlePersonal Investments • Roth conversion secrets
The average person on Facebook is not going to be able to come up with a good Roth conversion plan on their own. That is the thing that can be a secret to the average boglehead who might well be able...
View ArticlePersonal Investments • Vanguard Treasury Auction Order Cutoff Change
Just noticed this message when browsing brokered CDs and bonds:Treasury Auction Order Cutoff ChangeImportant: The U.S. Treasury has changed the way it accepts auction orders. As a result, Vanguard...
View ArticlePersonal Investments • Fidelity now supports passkeys ...
it is not on OSX though ...Well, it is a .Net app on OS X that runs through the bundled CrossOver Office compatibility layer. It is not a native .Net app using a newer .Net framework.ok, we shall stay...
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Investing - Theory, News & General • Pros and Cons of STRIPS vs. TIPS
The following decision tree might also help:Move from top to bottom, when you answer yes to the question then stop with that result.1) Do you need the interest payments now as a source of regular...
View ArticlePersonal Finance (Not Investing) • Can a person relax if they see the...
Also, many things have a non-zero probability, but that does not mean we need to be scared of them or plan for every possibility. If you get out of bed, you could slip and fall. The point is to manage...
View ArticlePersonal Investments • 529 Plan as gifting vehicle?
Question: should we just pay the college tuition costs out of pocket directly to the college when the time comes? This would then allow the 529 to continue to grow and then pass eventually to the...
View ArticleInvesting - Theory, News & General • Morningstar discounts at Vanguard
Fidelity allows their clients to get Morningstar membership at a discount, does Vanguard offer anything like that.ÇarolI don't know if Vanguard has any such offer, but have you checked at your local...
View ArticlePersonal Investments • Vanguard Dividend Growth - capital gains 2026
This topic is now in the Personal Investments subforum. Statistics: Posted by ClaycordJCA — Wed Oct 07, 2026 10:51 pm — Replies 5 — Views 273
View ArticlePersonal Investments • Opening and maintaining a Section 530A or Trump...
The phone agent told me that option 3 involves having an online account with the IRS. That alternative is a hard NO for me because IRS forces us to use ID.ME, which requires facial recognition using a...
View ArticlePersonal Consumer Issues • IP address of home computer using...
You can update the address if you want. I forget where the link is.Most of these GeoIP services get the IP from a geofeed.csv that an ISP hosts (or a company) after notification to the GeoIP where...
View ArticlePersonal Finance (Not Investing) • Personal Finance Metrics
Is there something we could or should be doing better? I rely on AI too, but I think what you can do that might be better is to figure out what your goals are and what metrics help you measure if...
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