Personal Finance (Not Investing) • Roth conversions in retirement and...
Thanks! Yes, your language is precisely what I meant.Statistics: Posted by RosemaryRetiree — Sat Aug 17, 2024 4:43 pm — Replies 7 — Views 292
View ArticlePersonal Investments • Converting portfolio from Vanguard to Schwab
The Schwab funds are fine but I don't think any of your conerns about ETFs, sans maybe bid/ask spread (mutual funds pay them too, they're just hidden from you), are actually true. Most brokerages let...
View ArticlePersonal Consumer Issues • A/C: how can a tiny activated carbon filter that...
An activated charcoal filter works in that it does attract particles to adhere to it, it does not work solely by impaction, but that is also a method in which it works. If the filter is very much out...
View ArticlePersonal Finance (Not Investing) • Switch jobs at 58 or wait for a package?
I faced a similar dilemma last year and got similar responses. In the end I decided to wait it out as long as possible and if I get laid off, I'll just retire early. I am enjoying the low stress glide...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
With part of portfolio, currently doing Tastytrade $3k for >250k for my wife. Got a little in SGOV, most in VTI.Is there a way to have dividends reinvested?If so, how? Where do I go to select that?...
View ArticlePersonal Consumer Issues • Possible to reverse a private party car sale...
Example:Seller signs title and hands it to the buyer, receiving a check in exchange.Seller mail VTR-346 at that time.Surprise: the check bounces ! “You scammer ! I’m going to take you to court”. “No...
View ArticlePersonal Investments • My first brokered CD
Hmmm, Vanguard shows the money has been moved from my settlement fund to the "current balance" field of the brokered CD.Under "Holdings" this line is displayed below the balances of my settlement...
View ArticleInvesting - Theory, News & General • Understanding managed futures
Managed futures funds are usually commodity funds. You are paying an active manager to buy/sell commodities contracts. There isn't a lot of interest in commodities on this forum (for good reason,...
View ArticlePersonal Investments • Real Estate, per Malkiel
After reading this thread, I'm wondering if maintaining (or increasing) an allocation to REITs may actually be a good contrarian play. If everyone is pricing in doom-and-gloom for the real estate...
View ArticlePersonal Investments • 5-year Roth rule after rollover?
While the original question doesn't apply to the OP, does anyone know if rolling over the accounts resets the clock to that of the new account? I believe not in the case of a rollover, but can anyone...
View ArticlePersonal Finance (Not Investing) • Home insurance thru an Agent? Personal...
In Massachusetts I've never met anyone who bought insurance from anywhere but through an agent.My personal property coverage is a certain percentage of the coverage on the house.I recently moved to a...
View ArticleNon-US Investing • Influence of tax on Bogleheads strategy [New Zealand Taxes]
A 1.4% tax on holdings is probably even better than a 20% capital gains tax if you invest in an all-stock portfolio. Note, of course, that you do not have the choice of which of the two you pay unless...
View ArticlePersonal Consumer Issues • Electric Toothbrushes - Longevity
AFAIK all the Sonicare models use lithium-ion batteries. Even after (I think) 5 years mine's still good for around 2 weeks of use.The cheaper Oral-B models use NiMH batteries, and they don't make...
View ArticlePersonal Consumer Issues • What kind of work do you hire out?
You are not implicitly assigning value to time spent watching TV and drinking beer on the couch. The value of such time is $0, because you could do anything even moderately productive and come out...
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Personal Consumer Issues • Any Mac experts out there?
Questions:Does she need an iCloud email address to use iMessages? I created one for her but now that seems to be causing issues with her Apple ID I keep getting “this ID can’t be verified at this...
View ArticlePersonal Investments • Question on Front Load Fees
If a fund charged a front load fee, is that fee charged for every purchase the holder makes or is it waved after the initial purchase? Is the front load fee charged for dividend roll overs?Statistics:...
View ArticleInvesting - Theory, News & General • Tech overvaluation
I'm talking about taking a portion of that S&P fund and putting it somewhere a little less volatile than tech.Sure, you can do that if you want to.Some options:exUSvaluesmall/middividend...
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Personal Consumer Issues • Road trip to Montreal- Advice needed
I want to express appreciation for the helpful Montreal travel suggestions in this thread. We recently took a short trip to Montreal and found them quite handy.We visited both the St. Viateur and...
View ArticlePersonal Consumer Issues • HVAC: Single vs Dual vs Variable Stage - Need Help...
To add even more complexity, new HVAC refrigerants are required beginning in 2025 which means that it might be difficult to get some phaseout models and the newer models might not yet be...
View ArticleInvesting - Theory, News & General • The Day The Factors Died
I guess you should avoid the stock market in general since bonds have a much higher risk adjusted return than stocks doOver what time periods? With what definition of risk? With what utility...
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