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Personal Finance (Not Investing) • Re: Share your net worth progression
Can I ask a question about "investible net worth"Say you have 500K of stocks, a house worth 500K, and a 300k mortgage.Is your investible net worth 500K or 200K? That is to say, when considering the...
View ArticleInvesting - Theory, News & General • Re: Why do we need to diversify our...
Hi all. I hold one simple bond fund in my retirement accounts: VSIGX - Vanguard Intermediate-Term Treasury Index Fund.This fund only has around 100 bonds, all treasury, with an average maturity of 5.6...
View ArticlePersonal Investments • Re: Should predicted annual retirement spend be pre-...
OP,"It depends"A) Your annual retirement expense.B) The source of your withdrawalFor many of us,1) The retirement expense is low. Below 60K per year.2) The source of withdrawal is whatever we choose...
View ArticleInvesting - Theory, News & General • Re: Does factor investing make the...
Cliff Asness’ recent essay describing his belief that markets have become less efficient over last 30 years and that periods of underperformance and out performance may be deeper and longer makes a...
View ArticlePersonal Finance (Not Investing) • Re: Life Expectancy - How did you...
I use age 100.I do not expect to live that long (early 90's seems reasonable based on family history). I use 100 as a risk mitigation tool. If the different calculators that I use (FireCalc, Fidelity...
View ArticlePersonal Consumer Issues • Re: Need car for 2 years: buy vs. lease?
Quick update: we ended up leasing a Hyundai Ioniq 5 SEL for 13 months. It ended up being $4800. We can extend ANOTHER 3 months, which would be pretty ideal since we will almost certainly be out of the...
View ArticlePersonal Consumer Issues • Re: Checkin bags fee
The disincentive for many customers in checking a bag isn't the cost in fees but the risk that it might become lost or delayed. The results can be inconvenient or catastrophic.I can see how that would...
View ArticlePersonal Investments • Re: Retirees how often do you pull money to live
Retired in our 50s. We direct all distributions from our taxable account to checking. If we need more, we sell from our taxable account. Our taxable account only has VTI and VXUS. We sell whatever...
View ArticlePersonal Investments • Re: Seeking suggestions on whether to rebalance my...
I am mid 30s, my target allocation percent in my Roth IRA is 55% Domestic, 35% International and 10% Bonds. However right now its standing as 40% Domestic, 33% International and 27% Bonds. Should I...
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Personal Investments • Re: convert VG MF to ETF, then sell some shares... LT...
Thanks again!You are very well organized, me…. not so much Statistics: Posted by standard7 — Fri Jan 03, 2025 11:35 am
View ArticleInvesting - Theory, News & General • Re: Fundamentals Don't Matter -...
There will certainly be a crash in the future (no one can say when), but the intervention by the Feds & Treasury will make the recovery fairly swift & relatively painless.On Bogleheads, I keep...
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Personal Finance (Not Investing) • Re: Withholding on a Stretch Inherited...
I follow your logic and agree with the numbers you have so (painstakingly) calculated. Yes, it's a bit of a circular calculation. I will broach a further question - why are you throttling back on the...
View ArticlePersonal Finance (Not Investing) • Re: 2025 - Where do you bank and why?
Schwab:- Amex platinum tie-in- solid online interface/tools- exceptional customer serviceStatistics: Posted by quadog — Sat Jan 04, 2025 11:40 am
View ArticlePersonal Investments • Re: Bond question
Thank you for your replies. Yes, my purpose is to keep things very simple. To answer your question regarding what I was hoping to accomplish with a long-term bond. Well in my readings, talking to...
View ArticlePersonal Consumer Issues • Re: US Mobile vs. Mint - anyone here tried both?
I just switched from Google Fi to Mint today. I'm a frequent international traveler, so I'll be testing out the "Minternational" thing since it's not too expensive. If I don't like it, I'll do the...
View ArticlePersonal Investments • Re: LEANFire - Just pay the penalty?
70+: Take delayed SS at 35k/year.Is this for sure?I think you said you are 46. Some time in the military (low earnings at least for me). This equals less than 35 years at modest earnings (Based on...
View ArticlePersonal Investments • Re: Late For The Train
I think you may have missed the point of people suggesting you drop the extra decimal places. I don't think the suggestion was that you actually repost showing things as 0% of your portfolio, but...
View ArticlePersonal Investments • Re: How to transfer HSA without fees?
Set up a Fidelity HSA first, then ask them to initiate the transfer.If you decide to go down this route note that it can take several weeks (7 weeks for me last year), but you should be able to do a...
View ArticlePersonal Finance (Not Investing) • Re: Cash gift From Parents Given They Are...
But even if they don't take the deduction the employer has avoided payroll tax, and the employee/donee has avoided payroll tax and income tax, assuming this is really compensation, and not a gift.And...
View ArticlePersonal Consumer Issues • Re: Adding solar battery to existing system
...i think there might be two points about this regarding why anyone would consider batteries:1) to reduce the NBCs that are billed in the first place2) to save as much electricity as possible so that...
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