Personal Finance (Not Investing) • In-Laws VA life insurance retirement...
My in-laws have asked me for a little help understanding their retirement benefits. They are both retired VA nurses. My mother-in-law is not in great health. My current specific question is with...
View ArticlePersonal Finance (Not Investing) • TT saying mail IRS 1099-B for inherited...
Could be that was the issue. Before I read your response, I entered the data again. This time TT said I did NOT need to mail in anything. Success! Both times I entered the data separately for each...
View ArticlePersonal Consumer Issues • Your experience selling a car to a dealer / CarMax...
The last car I sold, I used Kelley Blue Book cash offer. They send your request out to all the local dealers in your area.The Dealers will start contacting you immediately, I let each of them know...
View ArticlePersonal Investments • Help me decide Roth 401k vs Traditional 401k please.
I'm 47, in the 22% tax bracket MFJ, current retirement assets in the (very) low 7 digits. My employer offers a 401(k) with matching contributions, the employer match is always tax-deferred.My current...
View ArticleInvesting - Theory, News & General • non-100% Monte Carlo success rate...
For Vanguard’s Monte Carlo simulator, its advisors look for an 85% or better success rate.Statistics: Posted by CalPoppy — Sun May 26, 2024 12:08 am — Replies 7 — Views 871
View ArticleInvesting - Theory, News & General • Why should expense ratios matter to...
Thank you all for the excellent replies!Statistics: Posted by monkeytoad — Sun May 26, 2024 12:08 am — Replies 29 — Views 1573
View ArticleInvesting - Theory, News & General • Advantage to the Boglehead investor
I thought SPIVA report is net of fees. IMO to evaluate a professional fund manager's investment ability you need to evaluate the gross return.You don't think the costs the fund manager incurred to...
View ArticlePersonal Finance (Not Investing) • Financial planning advice
Ditch the financial "expert" they are there to enrich their pockets at your expense.I challenged 2 companies years ago, Meryl Lynch and LP Morgan to a 1 year investment competion I kicked their azz...
View ArticleClik here to view.
Personal Investments • My experience straying from Bogleheads principles
I’ve read many books/articles/etc. about investing, and believe that the data backs up investing in low cost index funds such as VOO. I believe that it’s very hard for the average person to beat the...
View ArticlePersonal Investments • HSA - Stay with Health Equity or Convert to Fidelity
Another vote for convert to Fidelity.Statistics: Posted by babystep — Sun May 26, 2024 12:25 am — Replies 9 — Views 498
View ArticleInvesting - Theory, News & General • Recommended Stocks
Okay, Nedsaid is going to make this E-Z P-Z. I have the annual report for the Vanguard Index 500 ETF as of 12/31/2023 open and I will pick stocks for each sector and weight the sectors by market cap....
View ArticlePersonal Finance (Not Investing) • another 5500ez penalty tale - $210,000
I may fall afoul of this issue. Life is short, we have so much to be grateful for. I’m okay. I’ll take my chances and pay up if and when.Statistics: Posted by hvaclorax — Sun May 26, 2024 11:16 pm —...
View ArticlePersonal Investments • Please Help Me Allocate my Bonds and Equities Properly...
Once you determine what bond funds to purchase, have you thought about how/when you are going to purchase them? Lump sum vs over time (dollar cost averaging, to average out the effects of potential...
View ArticlePersonal Consumer Issues • Need sprinkler controller capable of 2 valves on...
I run two zones together on my Rainbird ESP-TM2 controller for the same reason that you want to. Currently I'm considering adding a cycle stop valve to prevent the pump from cycling during irrigation....
View ArticlePersonal Investments • Educating myself, want to catch up. Help appreciated.
What is the interest rate on the "Debt: no debt other than a mortgage of 200k".3.5%Do you have any employees in your business?No just me. Why did you close your SIMPLE IRA and your SEP IRA?Vanguard is...
View ArticlePersonal Finance (Not Investing) • Larger down payment vs keeping invested
Hi all, would love some opinions and insight for an impending home purchase. I’d like to have a lower monthly payment, but unsure if I like the idea of selling too much stock, causing taxable event...
View ArticlePersonal Finance (Not Investing) • Spending in Retirement
A post from that thread by user Brooks: Thu Apr 27, 2023 3:51 pm"The highest form of wealth is the ability to wake up every morning and say, I can do whatever I want today. If there is a common...
View ArticlePersonal Investments • Expense ratio and management fee: set them equal trick?
I am invested in a fund and on the fund website it says "Management fee: 0.28%", and then "Total expense ratio: 0.28%". Is this a trick to make people think they are only paying 0.28% total when in...
View ArticlePersonal Investments • NewRetirement site questions - Just joined 5/26/24 -...
The problem with what he suggests is that Portfolio Visualizer recently changed their site so unless you are willing to pay $30 per month the data only goes back 10 years which is not very useful for...
View ArticlePersonal Consumer Issues • Colorado Red light camera ticket
Here is the reason they don't report it: they can't always make out the driver and most just snap the plates and enough of the car to match it to the registration.Statistics: Posted by sailaway — Mon...
View Article