Personal Consumer Issues • Questions about furnace air filter
I´ve been through the same, largely out of cluelessness, and would very much want to caution you. If you put a higher MERV filter infront of your blower, the blower may need to work harder and even...
View ArticlePersonal Investments • Small cap lagging large cap in portfolio
I may have been hasty in making it a 50/50 split but at the time both seemed like they had a good upward trajectory. I want to dial it back now to 80 large 20 small. I just wonder if I should hold out...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Folks,If everything that you invested in is doing well, you have no diversification. I am not chasing return. I am glad that International is not doing well. It is doing its job in my...
View ArticlePersonal Finance (Not Investing) • What's with all the annuity sales pitches!
Hello fellow Bogleheads, I just had a meeting with a federal benefits person who represents a company that specializes in helping navigate federal retirement benefits (fedplanwerks.com). She was...
View ArticleInvesting - Theory, News & General • Variable Percentage Withdrawal (VPW)
Is that the case?Yes it is my case! Almost the same amount. Please, where could I read more about the bridging amount?Statistics: Posted by Siaigi — Wed Jul 03, 2024 8:16 am — Replies 2357 — Views...
View ArticlePersonal Consumer Issues • Unusual Refrigerator "leak"
As others have mentioned, most likely the draink line is clogged somewhere.Mine was just blocked by ice which was resolved by defrosting for 12 hours.Statistics: Posted by seawolf21 — Wed Jul 03, 2024...
View ArticlePersonal Investments • How Do You Lose Money In T-Bills?
How do you know when to get out of a bond fund on the plus side?When your spending needs change or become concrete.You can convert a bond fund to a ladder of similar average duration at any time and...
View ArticlePersonal Finance (Not Investing) • This is why I'm glad I started investing...
I'd like to keep working and hope I will. But my tolerance for the day to day:-policy changes-work process changes-org and reporting structure-new director initiatives driven solely because of their...
View ArticlePersonal Consumer Issues • A squirrel is squatting my attic!
I have heard good things about strobe lights. The light irritates the squirrels so they leave. Then you can walk around the house after dark and see all the places the light is escaping from your...
View ArticlePersonal Consumer Issues • Discover Airlines - Any Feedback?
Let me pretend being more of a Boglehead than I actually am by saying: How is this actionable? This and that many percent of this and that airline have this and that old pilots on this and that...
View ArticlePersonal Finance (Not Investing) • Haney Settlement Offer Genworth LTC Policy
Beware of Genworth'. Read the fine print closely.Statistics: Posted by JBSjr — Wed Jul 03, 2024 8:19 am — Replies 3 — Views 310
View ArticlePersonal Investments • Money market paralysis
We are sticking with our intermediate bonds. We sold municipal bonds to offset some 2023 gains. We put new money into treasuries with a duration of 18 months or less to match our spending needs....
View ArticlePersonal Finance (Not Investing) • First Doctor Visit since I Started Medicare
Just looking for some guidance, advice or suggestions. I don't ever let a bill sit around very long before I pay it. I have never had a late payment on anything in my life and don't want to start now....
View ArticlePersonal Finance (Not Investing) • Sequoia Software (James Conole, CFP)
I assume you are buying the yearly license of PL. What do you think of the perpetual license? It is $108 vs $520.Correct, yearly purchase, for now. I will consider a perpetual license for PL, when/if...
View ArticlePersonal Investments • 75 year old newly retired Fidelity fund choices
Good morning, Bogleheads,My healthy mother-in-law asked me to advise her on investing her $300,000 IRA. This represents the sum of her retirement savings and most of her total investments. She has...
View ArticlePersonal Investments • TIAA stopped selling life insurance. Five years ago!
Why is it ironic?Apparently TIAA stands for Teachers Insurance and Annuity Association of America.It seems strange to me they no longer offer life insurance.And they don't just sell to...
View ArticlePersonal Investments • Portfolio Allocation Disarray - Set Me Straight
Here is a rough suggestion to consider as a goal. It is set close to 85% stocks and 15% bonds with 10% of the stocks (8.5% of the portfolio) in international.Brokerage - 43% of portfolio29.1% Total...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
Killers of the flower moon.- historical telling of murders of Osage (Oklahoma native americans) in 1910’s through 1930’s. Dry, fact filled history. I find it depressing to read and to know a terrible...
View ArticlePersonal Investments • Tactical Asset Allocation - shift to stocks when...
It is well appreciated that falling market represents greater and greater opportunity to capitalize on cheaper valuations. So I'm thinking about something like this:- Initial allocation 70/30 in favor...
View ArticlePersonal Consumer Issues • Retiring to Upstate NY
We've pretty much decided to stay in Upstate NY for our retirement. Albany area, but not in Albany. We like this area well enough. It is big enough to have all modern conveniences, but small enough...
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