Personal Investments • Why I prefer multiple asset classes to the BH 3 fund...
OP, once you set to market weight one time, when do you ever need to rebalance? Or are you forever rebalancing to whatever the market weight was at that initial time?You said you have 20% rebalancing...
View ArticlePersonal Finance (Not Investing) • Suggestions on Executrix of Estate
Does the credit union's trust department have the same expertise as a conventional bank's trust department or a trust company?Darned if I know. We've been members of the CU for decades and been...
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Investing - Theory, News & General • mortgages as negative bonds
If I have no mortgage, is my home equity now a positive bond? Dats what i want to know.Usually the negative bond idea equates to rather broad simplifications, where contractual payments and income...
View ArticlePersonal Investments • Merrill Edge Cash Management
You should see it in either "Cash Balance" or "Margin Credit Balance", depending on whether you have a margin account or not.Click on Accounts>>Balances, then expand "Show balance details" and...
View ArticleInvesting - Theory, News & General • Filling the TIPS gap years with...
I’ve been anticipating your post, and I will say you have done us all a great favor. Such a well outlined explanation. So from a distant follower, thanks.Statistics: Posted by bigskyguy — Wed May 22,...
View ArticlePersonal Consumer Issues • [Air Conditioning malfunction?]
I had a friend who had to get a new heat pump. The tech told her she changed temp too drastically and that broke it. She was constantly changing the temp setting to save money.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • End of year analysis of Fidelity...
The tax-loss harvesting aspect is consistent with some of my back test calculations with a portfolio of perhaps 15 3x LETFs. Even though the algorithm adjusts allocations weekly to maintain a desired...
View ArticlePersonal Consumer Issues • Lawn Experts: Which Mower is Right for Me?
I also own Ego mower, trimmer, and blower. Lawn size probably a bit less than yours. But for me, I wouldn't even consider getting any gas-powered for any of the above. The practicality, convenience,...
View ArticlePersonal Investments • [What Should I Invest In? Bank Investment Plans or On...
Don’t forget to list the account types the cash is sitting in, your annual contributions, and the available funds. Your marginal tax rate is more informative than your effective tax rate. Do you own a...
View ArticlePersonal Investments • Help me invest $10m ...
your fixed income should be in a ladder. meaning 10% in each maturity year going out 10 years, then reinvest what mates into the new 10 year maturity. that means you you always have your fixed income...
View ArticlePersonal Finance (Not Investing) • At What Multiple of X Would You Be...
A bit of an update. My wife and I (age 36) just crossed the $500,000 retirement savings threshold. The 5,000 foot overview of our finances are as follows:Cash (most of it in 4.25% savings account):...
View ArticlePersonal Finance (Not Investing) • QDRO - From Taxable Account
I agree that once your ex-spouse took the funds out of the 401k as a distribution (and more than 60 days have elapsed) the opportunity to roll the funds over to a IRA of any kind by anyone was lost.If...
View ArticleInvesting - Theory, News & General • Bogleheads contributing to financial...
Update:The High School math teacher and chess coach heard about "Bogleheads" and requested a copy to reference in his classes!!!That is a three bagger in baseball terms. I'm going to have to order...
View ArticlePersonal Consumer Issues • New BMW X5 - do I ask for my money back?
BMWs are not renowned for their simplicity or reliability, especially regarding electronics. I would take it as an omen and bail.Statistics: Posted by snackdog — Thu May 23, 2024 11:27 pm — Replies 10...
View ArticlePersonal Finance (Not Investing) • Selling House in 2025 and Realtor Commisions
It’s a good point. The buyers fee will be forced to the forefront of the negotiation. Realtors claim it has always been up for negotiation, but that’s arguable. I am seeing mixed information on the...
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Personal Consumer Issues • How to Prevent Bird Poop on Mailbox
How about Bird Deter: https://www.flickr.com/photos/defenseless_mailboxes/Statistics: Posted by snackdog — Thu May 23, 2024 11:36 pm — Replies 48 — Views 5743
View ArticleInvesting - Theory, News & General • New Bogleheads podcast. Episode 64:...
Ben Mathew wrote:Interest rate risk can be addressed through duration matching bonds. A 100% duration matched TIPS portfolio will generate a risk-free stream of income. The volatility of the bond...
View ArticlePersonal Consumer Issues • Retirement and thank you trip for in-laws
I have a friend who travels exclusively with Nat Geo, he loves it. He usually goes on their special photo shoot tours. Last year he and his wife did a Nat Geo around the world by private jet tour and...
View ArticlePersonal Consumer Issues • Garbage disposal – need recommendation
3 years ago I replaced an old Badger with an upgraded Insinkerator. I wanted the quieter running. One benefit that I wasn't aware of but which is now very important to me (I'm looking to replace a...
View ArticlePersonal Finance (Not Investing) • What to Do with Mom's House
4. Psychology. If mom doesn’t like where she is now it could be comforting to her to know she can move back in a pinch.That's why they burned the ships.Yup. Couldn't be worse advice IMO.Nah, with all...
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