Personal Investments • 403(b) contribution question
I have a very minor question.I have my paychecks once per month on the last day of each month. I have 403(b) to contribute with 4% employer match.It takes 1-2 weeks for money to actually appear in the...
View ArticlePersonal Consumer Issues • How do you all even find a new place to live?
I’ve moved a bunch of times from the ‘90s to the 2010s. It’s a lot easier today than it used to be. Here’s the process I’ve always used: 1. Understand your target and stretch budget for your new...
View ArticlePersonal Finance (Not Investing) • Is It Safe to Keep Vanguard/Banking Apps...
Is it safe to keep Vanguard or other banking apps on your iPhone? I don't have financial apps on my phone, mostly because I haven't found a need to do so.For a bit more security, later this autumn you...
View ArticlePersonal Finance (Not Investing) • First Doctor Visit since I Started Medicare
This happens to me every time. Make sure you specify "annual medicare wellness" visit. Or in your case, it was the "Welcome to Medicare". If you say "physical" they will charge you for preventive care...
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Personal Consumer Issues • Trip to Italy
Perhaps the dimension in Amazon picture are a tad hard to appreciate. Here is a photo I just took of that plug on a 1/4" lined paper for dimensions and to better see pin convergence:That is a...
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Personal Finance (Not Investing) • Financial Review: we thought about...
Fee-based means they charge fees and commissions. Fee-only is the term most people mean and want. I include both TIPS and I bonds into my 10% allocation to inflation-indexed bonds. Thank you, WCI -...
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Investing - Theory, News & General • Now that long TIPS yields have...
The idea is that at market lows stocks offer better alternatives and that people only think we will see 3% TIPS at market lows. They are obviously wrong based on history.I've suggested one might...
View ArticleInvesting - Theory, News & General • IRMAA: Resistance is futile
[I hope this post is not regarded by moderators as an attempted end run around the locking of Heavy Chevy’s thread today. But I must acknowledge that that thread got locked while I was in the midst of...
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
Annuitize $200,000 at age 80.Payout estimate from immediateannuities.com for an 80 year old male in the state of Washington is $2,053 per month (average estimated quote, so can likely do better). To...
View ArticlePersonal Finance (Not Investing) • How To Lower Retirement Expenses
Hey Bogleheads out there. Any tips to minimize expenses in retirement. The reality for most Americans is that they will need to cut expenses in retirement to meet their new income.Pay off mortgageNo...
View ArticlePersonal Investments • Should we start doing Roth conversions?
Of course no guarantees but may be circumstances forced you to move to another state with different tax rate?To bolster Cah’s (is he from Boston?) argument the only thing which is 100% certain is...
View ArticlePersonal Consumer Issues • Destress during times of market turmoil
Hey guys, long time lurker and new to boglehead.Wanted some perspective on what you guys did to destress and ignore the noise (like meditation and other stress relieving activities) when it comes to...
View ArticlePersonal Finance (Not Investing) • Want Thoughts On My Early SS Strategy
I will be turning 62 shortly, and am preparing to file for early SS benefits. I have wrestled with this decision given everything I've read that advises to WAIT, and would appreciate Bogelheads'...
View ArticlePersonal Consumer Issues • Syncing issue with icloud on imessage
New phone = free support. If I strike out looking for a solution via web search, I'd seek help from those paid to provide it.Statistics: Posted by Doctor Rhythm — Wed Aug 14, 2024 4:17 pm — Replies 5...
View ArticlePersonal Investments • Opinions on significant investment in SCHD
You will not get much support here for dividend ETFs which is what SCHD is (Schwab US Dividend Equity ETF). The reason being that dividends are tax inefficient and no different than periodically...
View ArticlePersonal Finance (Not Investing) • StateFarm homeowners Insurance increased...
Is there a simple way to tell if your state’s market is healthy or unhealthy?Profitable markets are usually healthy.New York is profitable. California is not.Statistics: Posted by talzara — Wed Aug...
View ArticlePersonal Finance (Not Investing) • Coveredca subsidy [Covered CA]
Hi everyone,I’m new here and this is my first post. I joined this forum because I have a question that’s been causing me a lot of anxiety, and I’m really hoping you all can help me out.There’s a lot I...
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Personal Consumer Issues • Honda SUV replacement w/CD Player
For $8 a month you can rent every CD ever made. I would guess your 200 CDs are included in All CDs. I don't understand; do you mean physical CDs? Or are you saying you can rent the music on CDs in mp3...
View ArticlePersonal Finance (Not Investing) • Refinance Mega Thread
As soon as you can find mortgage lower than 7.15% with no fees for refinancing.I've never seen a fee-free refinance.There out there. Read back on this tread and you will see examples of no fee...
View ArticlePersonal Investments • A basic TIPS ladder question (where does the money...
I maxed out my IRA with TIPS and, since I wanted more, the rest are in my taxable account.The fear of holding TIPS in taxable is irrational. Anything else you invest in within your taxable account...
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