Personal Consumer Issues • Re: do you wipe down grocery sundries before storing?
This thread has run its course and is locked (below acceptable threshold). See: Personal Consumer IssuesNote that this subforum has a much lower threshold for locking or removing posts than the...
View ArticlePersonal Consumer Issues • Re: [Coyote in the fenced yard]
A couple of years ago I looked out my window and saw my cat and a coyote on the driveway, about 15 feet apart. I was worried because of hearing all the stories of coyotes getting domestic cats but, as...
View ArticlePersonal Finance (Not Investing) • Re: Contemplating taking a Federal...
I had this poem on my bulletin board for 4 years at the Air Force Academy … 10 years later I was an F-16 pilot. https://allpoetry.com/poem/14327858-Don ... bert-GuestDon’t stop...
View ArticlePersonal Investments • Re: Vanguard's new CA muni ETF
I have followed this thread for a while and just want to confirm: Is owning VTEC pretty much the same thing as VCADX? Not if you get into the specific details of each fund. Different durations, etc....
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Personal Investments • Few General Rollover IRA Questions
Hi folks, just had a couple of quick questions. I've gotten some amazing advice and information here in the past, so thank you all sincerely I've completed my 401k rollover (company was bought, had to...
View ArticlePersonal Investments • 2025 Portfolio Review - 30yo w/ $280k
30. Single. Florida. Not HSA eligible. No projected kids.401k — $143k (78/22)/10 (18.2% is in Roth)• $101k SSEYX (SS S&P 500 INDEX II | 0.01% ER)• $29k SSGVX (SS GACEQ EXUS IDX II | 0.056% ER)•...
View ArticleInvesting - Theory, News & General • Re: What Part of "Stay the...
I'm glad I bought Nvidia instead of staying the course. The error of the Boglehead way is that the followers are so focused on avoiding strikeouts altogether that they discount strategies that...
View ArticlePersonal Investments • Re: Few General Rollover IRA Questions
My first question is now that's its safely in the retirement account and cleared for investing does it need to be invested immediately or otherwise be taxed? I am certain I've read and learned it does...
View ArticlePersonal Finance (Not Investing) • Re: Wells Fargo credit cards: the good,...
I have been using WF for both business and personal credit cards for years. Active Cash with 2% cash back. I have the rewards deposited into my checking account on a monthly basis. We have had 2-3...
View ArticleInvesting - Theory, News & General • Re: Why have asset allocation...
If inflation takes off again, trouble lies ahead for both stocks and bonds, likely worse for bonds than stocks. Trouble for holders of nominal bonds but not TIPS holders, eh?Statistics: Posted by...
View ArticlePersonal Investments • Re: asset allocation (brokerage and Roth IRA)
My comment had nothing to do with the difference in performance (growth) between US and foreign. The suggested placement of VTI and VT fails to result in 80:20 US:foreign as soon as the taxable...
View ArticleInvesting - Theory, News & General • Re: Retirees: at what age...?
Have you ever read about Warren Buffet's lifestyle? Is he "shackled" or just living the modest lifestyle that comes naturally to him?He said he goes to McDonalds for a $3 breakfast every day, that...
View ArticlePersonal Finance (Not Investing) • Re: $4 million house???
I believe you can afford the home if that is really what you want, but I would not buy any home near that size and complexity.Aside from the much larger fixed costs for insurance, utilities, taxes and...
View ArticleInvesting - Theory, News & General • Re: The Childfree Guide to Life and...
So far what you've said in your post does not fly in the face of "traditional" investment advice. I agree with it and have children of my own. Genuinely curious, what does the author say is different...
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Personal Investments • Re: T-Rowe vs Vanguard?
I have Fidelity and Etrade. Etrade is because of work ESPP and RSUs. I always move all products from Etrade when available to Fidelity because I prefer not to have two. I like to see my overall...
View ArticlePersonal Finance (Not Investing) • Re: Possible WEP/GPO repeal [WEP / GPO...
what I meant was, why are we talking about whether or not the law was a good thing fair and unfair and all of that. But it looks like the mods are already addressing it. I’m all for discussing the...
View ArticlePersonal Finance (Not Investing) • Re: Can dividends be counted on during...
FWIW, below is my own post from 2020 about dividend distributions of VIG and VTSAX in the 2008-2009 recession.It's merely one data point of how distributions happened to play out for two funds during...
View ArticlePersonal Investments • Re: VCLAX; VCADX [Vanguard CA Long-Term, Int. term...
Thanks hacksawdave. I think I understand your reasoning. An argument could be made, however, that if you're in a miniscule tax bracket you may be able to get a better return with non-muni bond funds....
View ArticlePersonal Consumer Issues • Re: Buying a sailboat - recommendations
Going with a sock. Cheaper and simple plus one less line running aft.Statistics: Posted by krafty81 — Thu Jan 23, 2025 4:21 pm
View ArticlePersonal Finance (Not Investing) • Re: Stock market vs mortgage
If my math is right and assuming $750k of your mortgage is tax deducible which it should be then the actual cost of your mortgage is about 5.7% including tax savings. $750k at 6.99% * (1 - 37% tax...
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