Personal Finance (Not Investing) • What inflation rate are you using?
I use 3% and I assume this is on high side because the official inflation rate usually isn't relative to me.Then you are just as likely to be above than below the official rate based on your basket of...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
Leave The World Behind - a 10/10, and this week's news about Putin putting nukes in space to attack our satellites sent a chill down my spine. Now reading the book. This is a must-see movie.Better...
View ArticlePersonal Finance (Not Investing) • Do qualified + nonqualified dividends =...
Bumping this one. Looking for confirmation on my approach broken down in my last post, thanks.Statistics: Posted by Aguilar — Mon Feb 19, 2024 12:22 pm — Replies 46 — Views 2721
View ArticlePersonal Consumer Issues • Who's up for pickleball? Zero-zero-two. Game On!
Just had a friend pretty seriously injured. A guy in his sixties dove for a ball, landed on his shoulder. They took him off in an ambulance. I said to a friend, "That was kind of a stupid thing to do,...
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Personal Consumer Issues • Capital One [is/is considering] buying Discover
Didn't Capital One formerly absorb ING? ING was my first high-yield savings account almost 20 years ago. Consolidation can't be great for competitiveness with respect to interest rates, but at least...
View ArticlePersonal Consumer Issues • Should I get a Lexus ES for its V6?
If you haven't driven one of the modern turbo 4s, they are pretty smooth. Generally better gas mileage, and they have tons of acceleration. There's a reason automakers are doing away with old V6s. If...
View ArticlePersonal Investments • Let me retire! Please?
I retired last year and our numbers are very similar. My wife is 7 years younger than I am. We also have 3 kids (1 college, 2 HS). One big difference is our asset allocation (AA) has more equities and...
View ArticlePersonal Finance (Not Investing) • Not understanding Explanation of Benefits...
I may be lucky.I have never in ten years yet received an EOB that disagrees with my actual billing. (Medicare)It has gotten me so confident I pay the bills that arrive immediately without waiting for...
View ArticleInvesting - Theory, News & General • How to Plan for Health Expenses With...
25 years out you can only make a wild guess about health care expenses. You can also only make a wild guess about how much you need to save for living expenses. Deal with it. Seriously- think about it...
View ArticlePersonal Investments • Direct Indexing Worth It?
I think it can be worth it if you can make regular and significant contributions in taxable accounts.I tried it briefly with Fidelity with the minimum deposit, but I wasn't thrilled with the 0.40%...
View ArticlePersonal Finance (Not Investing) • 20-30X income, is that the...
I'm only at about 12-15x my income and I already feel like I'm in a rut. I'm not interested in working harder. I coast even when I have deadlines, knowing they won't replace me because that would be...
View ArticleInvesting - Theory, News & General • Why own bond funds with corporate...
Why own bond funds with corporate holdings?Diversification.But as already discussed here, what risks are you limiting? Wouldn’t it be diversification only if corporate bonds are reasonably...
View ArticlePersonal Investments • Long term view of IRMAA, Roth conversions and income
To the OP, what is your Long-Term Care.Once you start paying for Long-Term Care, your medical expenses will probably high enough that itemizing will be advantageous. Thus, part of the withdrawals from...
View ArticlePersonal Investments • Most Tax Efficient International Fund/ETF?
Looking back a couple of years at Qualified Dividend Income (QDI):Code: DEVELOPED MARKETS 2021 2022 2023IDEV79.35%99.53%87.49%IEFA78.43%99.97%89.57%VEA71.85%94.02%72.92%DEVELOPED + EMERGING MARKETS...
View ArticlePersonal Consumer Issues • Paying for A Car Boglehead Style
Good problems to have.Statistics: Posted by firebirdparts — Mon Feb 19, 2024 12:27 pm — Replies 62 — Views 6065
View ArticleInvesting - Theory, News & General • REITS As A Supplement to Bonds in...
My gosh, am I supposed to bitterly complain to Fidelity and Vanguard that my REIT investments aren't really Real Estate investments because I don't get calls about plugged toilets at three o'clock in...
View ArticlePersonal Investments • Dividend heavy ETF's for a new investor
Welcome to forum,https://www.bogleheads.org/wiki/Getting_startedWelcome to the Bogleheads' Getting started page. There is a lot of information available to help. Take your time and get...
View ArticlePersonal Finance (Not Investing) • Removing SMS Text 2FA Option for Wise Account
Yes, if a login has a fallback to SMS it just presents both 2FA's as an attack surface. You may be able to use a Google Voice account for SMS with Wise. Lock down the Google account with robust 2FA,...
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Personal Consumer Issues • All purpose wireless charger
Is there such thing as a wireless charger that would charge:iPhone ChromebookGarmin gps watch for golfAirPods Fire tablet Pretty sure the answer is no from my research but just checking. If I’m wrong...
View ArticlePersonal Finance (Not Investing) • Need a Check Image
Have you considered taking a photo/scan of the check before mailing it? Then you can match up with the check number on your statement later.There won't be a check number on the statement. IRS does not...
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