Personal Finance (Not Investing) • Advice for choosing second career
What you describe Seems. . . Might be. . . "passive" and "institutionally submissive and conforming".Bogleheads are anything but that:I think you are a little different than many Bogleheads who had...
View ArticleInvesting - Theory, News & General • New Vanguard PAS Service?
I just took a survey from Vanguard about this new PAS service and they are looking to increase the fee from 0.3% to 0.7% and will give you access to high yield savings account, access and advice for...
View ArticlePersonal Finance (Not Investing) • Ready, Set, Check with Bogleheads before Go!
I'm also far from age 70 and should receive SS payout near the maximum that social security pays. As a planning assumption, I lop 10k/yr off the social security estimate. This is to account for future...
View ArticleInvesting - Theory, News & General • Buffered ETF's
I think this is a good use of the Calamos 100% protected ETFs. The other use might be for the extremely risk averse individual who might otherwise buy a FIA. The ETF has the advantage of being...
View ArticlePersonal Finance (Not Investing) • Asset potection on Spousal Beneficiary...
If the spouse has assumed their deceased spouse's IRA as their own, then ownership is the same as their own previous IRA.Thanks, that's what I figure, but I didn't want to assume.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Mouse prevention - is this technique worth the money?
I bait my garage for the occasional mouse that wanders in. Have had no issues with mice during the past 5 years until I essentially stopped baiting inside the garage (spring). Then I found two dead...
View ArticlePersonal Consumer Issues • Best cities with lots of outdoor/hiking activities...
Thanks for starting this thread op. Enjoyed reading it!Statistics: Posted by lilshow — Mon Jul 22, 2024 11:46 am — Replies 249 — Views 27828
View ArticlePersonal Investments • Please Critique: Investment Strategy with TIPS
I ask myself why not just have a fixed asset that covers some set amount of years to bridge a stock market downturn. For me the thoughts were these:1. A Bond ETF or mutual fund still have a degree of...
View ArticlePersonal Finance (Not Investing) • Fed. Employees - Tammy Flanagan Consult?
Family member asked me to help parse through the retiree health benefit, would welcome referrals to good resources there. I volunteered to help them make sense of things, perhaps wishing I had offered...
View ArticlePersonal Consumer Issues • Stihl Vs. Ego battery powered chainsaws
I’m a Stihl battery chainsaw guy, had a 14” for about 5 years, used several times a week, graduated to 16” bar for more cutting power, which gets used several times a week in my hobby fruit tree...
View ArticlePersonal Finance (Not Investing) • simple plan for living off investments in...
There are some topics (ACA subsidies, Roth conversions, which accounts to pull from and when) that could make a big difference to portfolio balance down the road that may seem straight forward to many...
View ArticlePersonal Investments • Back Door Roth with Rollover / After Tax $ in 401K
Her employer will allow her to contribute Roth 401k dollars up to $23k per year, but of course that will be pre-tax dollars so not tax free like a back door would’ve been if not for my...
View ArticlePersonal Investments • $13 Million Goal for Early Retirement (am I crazy?)
Annual Living Expenses = ~$40KJust calling out how impressive it is to keep living expenses so low and how it can accelerate early retirement options.There's no way our family could get our living...
View ArticlePersonal Finance (Not Investing) • Qq on recharacterization and backdoor Roth
Yes nothing should be taxable as it’s all coming from a Roth.I think 4b is clear.Sounds like code N appears on 4a but the question is whether it’s added to the other 1099R that shows code 2 (same...
View ArticlePersonal Investments • Use highly concentrated stock for financial security
I don't have Navidia but anther that has done very well over the last 10 years. My plan is to sell off half of it. and invest it in my taxable account for dividend income from stocks a bond ETF For...
View ArticlePersonal Investments • Aggressive Roth options for 16-year old
Someone older cannot wait out another tech bubble burst, while someone who is 16 can. Yes its a bit of a sector bet, but given the dominance of technology and trends in the 21st century thus far I'd...
View ArticleInvesting - Theory, News & General • You can save too much for retirement
Pointless article if it doesn't share the salary of the "young colleague" such that the reader can determine whether the claim of living paycheck to paycheck is reasonable.The salary wouldn't tell...
View ArticlePersonal Finance (Not Investing) • How/when to communicate with kids that...
I have a book here called "Make your Kid A Money Genius (even If You're Not)" that purports to cover it, I'll have to see what it says.I suspect that you want them to know you can't "full price"...
View ArticlePersonal Investments • HSA Bank eliminating investment options
Retired and no longer make contributions to HSA and now have investments in SchwabHSA (ex Ameritrade). Not sure what "sell only would mean". Does that imply that I cannot roll over a CD or buy with...
View ArticleNon-US Investing • Schwab international account as expat
Perhaps requirements have changed, or we sinned in ignorance, but when we were expats (2007-2011), we kept our Schwab US accounts. My company provided a US PO Box that we used as our mailing address....
View Article