Investing - Theory, News & General • For people who duration match, is...
Just an curiosity question, for people who do duration matching, they might create a collapsing bond ladder. For example, I could create a 30 years bond ladder where each rung equal 1 year and then...
View ArticleNon-US Investing • Australian financial planning advice (inc 401K and UK...
No connection to Australia, so no experience or inside knowledge, but a couple of comments below ...Me: 47, Aus/UK citizen$390K Aus super£200K in UK pensionHaving looked at QROPS in the past, I've...
View ArticlePersonal Consumer Issues • Buying Pre-Owned Certified Car
The most important thing to me is documented service history (both from dealer and carfax), if I see all service done at or before manufacturer recommendations, that's a good sign the vehicle was well...
View ArticleNon-US Investing • Taxation of US retirement accts in Netherlands
Thanks for the update ESpin. I don't really understand why the answer to this particular question (are Roths considered exempt pension trusts under the NL-US tax treaty) depends on whether taxation on...
View ArticlePersonal Investments • VBTLX Price in response to interest rate cuts
If I understand correctly, the price of VBTLX would be expected to rise roughly 6% in response to 1% interest rate cut. Is the price relationship truly this formulaic? E.g. in the absence of other Fed...
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Non-US Investing • US/UK dual citizen resident in the UK, trying to invest,...
No additional tax complications; or at least, none of which I'm aware. Just the overall inconvenience and possible extra expense of having to go a very long way around what should really be very...
View ArticleNon-US Investing • Gift tax - equity transfer to US citizen children (from...
Indian citizen and resident here (never had a US green card). I am not taxed in USA; and am taxed in India on foreign income reported. I have US-based ETFs (VBR, VTI, IAUM, little CWB) and stocks...
View ArticlePersonal Consumer Issues • Is uninsured motor vehicle insurance a good idea?
I don't know where some these folks here say UM is cheap. In Florida it is roughly 40% of a typical premium now. This pathetic State has a minimum Liability at $20K per accident. The Governor vetoes...
View ArticlePersonal Finance (Not Investing) • Nervous about Trust Protector clause in trust
That seems to completely negate the desired outcome where the beneficiary maintains full control of the inherited assets. It seems, by virtue of the fact that the attorney can appoint a third party...
View ArticlePersonal Finance (Not Investing) • Funding an Able Account from a Special...
I inquired to find out what I need to do to make sure it doesn't because it will be more in the future. They couldn't answer beyond "it depends" and "you could send a copy of the trust".My...
View ArticlePersonal Consumer Issues • Traveling within Japan cities - Metro or Taxi?
There's no Uber in Japan. The taxi drivers don't speak English. You'll probably have better luck with the subway because at least there are English signs and Apple Maps / Google Maps will give you...
View ArticlePersonal Investments • Request for Feedback on Mom's 401(k)
I won’t go into 401k alternatives or other issues, but since it appears that SS may be her largest retirement income source, I will address some SS claiming issues, even it’s a long way off to full...
View ArticlePersonal Investments • cash balance plan investments
I have a cash balance plan. I am trying to liquidate it and roll it over to an IRA later this year. It is 4 years old. With all the fees (financial advisor and actuarial) and the limitations of a cash...
View ArticlePersonal Investments • Vanguard Cost Basis Options
Spec ID. I will never sell so in some sense, it doesn’t really matter but I prefer to have the flexibility if I were ever to have an unrealized loss to take.Statistics: Posted by jebmke — Sun Jun 23,...
View ArticlePersonal Investments • Should I dump small caps?
Invest in what you can remain invested in for decades. You need conviction. You won't find a consensus on Bogleheads, so you'll need to come up with your own internal consensus.Do you believe the...
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Investing - Theory, News & General • Wealthfront Savings and the Yotta...
...the Fintech banks all say they are FDIC insured...No, they don't. There is no such thing as a "fintech bank." They design their websites cleverly, in a way that I think encourages mistakes.A bank...
View ArticlePersonal Finance (Not Investing) • Form 2848 - Tax Power of Attorney
I can’t recall the form but I authorized Price Waterhouse to file my returns while I was an ex pat. The signed all of them. Federal, final state, Belgium, Netherlands for years. It is quite common for...
View ArticlePersonal Finance (Not Investing) • No college choice really
* 2 years community college* 2 years university* All while living at homeI am 100% in your camp of thinking regarding this.My daughter did something similar. I realize there can be a stigma about...
View ArticleNon-US Investing • 2yr Temporary Assignment in UK. How to invest while in UK?
As far as I am aware, in some countries fund shares don't have to necessarily be bought through a broker (Vanguard or otherwise), but can be bought directly through a bank accountStatistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Pledged Asset Loan for Home down payment
"I noticed the interest rate is SOFR + 3.90% which can be 9%. Is this rate competitive?"I don't think so. I think +2 or so, or maybe as much as +3 is what I was quoted elsewhere a couple of years ago...
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