Non-US Investing • Re: Transferring Money from US to UK
Have used XE currency exchange both ways. Fast and reliableStatistics: Posted by Investnewbie01 — Tue Aug 06, 2024 12:30 pm
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Investing - Theory, News & General • Re: Vanguard CEO Ramji on Bloomberg TV
They need a better CEO. Vanguard is falling behind its peers.I agree, the amount of time he has spent as Vanguard CEO with no changes to show for it is unacceptable. He started on July 8. Today is...
View ArticlePersonal Investments • Re: Fidelity money market account options
I use FZDXX (5.17% 7 day yield). I use it as my primary checking account.It requires $100K to get in, but once you are in, you can run it down to zero and still maintain the fund.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Re: Toyota vs Hyundai
My personal issue with Hyundai is its service. They (Hyundai and dealership network) are not honorable. I have read so many anecdotes saying the warranty claims got declined for technical issues.The...
View ArticlePersonal Investments • Re: Looking for advice on what to do with $4.5M
With limited information the responses are necessarily limited in dept and precision.Generally the safest and easiest choice is a Vanguard Target Date Retirement fund based on the year you plan to...
View ArticlePersonal Consumer Issues • Re: Apple Airtags
We own two, and we bought some for my parents. They don't deter theft per se, but they might notify you of theft quickly and help track down an item if stolen. However, a cruise is not best use case...
View ArticlePersonal Finance (Not Investing) • Exchange of EURO to USD and taxation
Hi Bogleheads -Here is my situation. I will receive around EUR 80k soon from abroad. It will still be under $100k limit for IRS reporting. I then plan to convert this sum to USD. Are there any taxes...
View ArticlePersonal Finance (Not Investing) • Re: The practicalities of wire...
A certified check, even one that must be procured in a laborious manner as the one you described, has no risk for a purchaser. The same isn’t the case for a wire.A certified check puts all the risk on...
View ArticlePersonal Finance (Not Investing) • Re: Car Titling Question When One Spouse...
I'm not an attorney, but in most states marital assets are both at risk of lawsuits even if they are only against one driver (though homestead equity and retirement accounts are often protected). In...
View ArticlePersonal Investments • Overcoming fear of running out of money
What have you done to overcome the fear of running out of money...I'm especially interested in what retirees have done/are doing. Ever though I've successfully navigated retirement financially for 13...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
AmericaRocks,I think the answer to your #3 is no. As long as it stays within an IRA there would be no penalty.I agree that if the money stays within an IRA wrapper, the 10% penalty free withdrawal can...
View ArticlePersonal Finance (Not Investing) • Re: Exchange of EURO to USD and taxation
It would depend on the nature of the receipt of funds: is it a gift, inheritance, payment for product or services, rent income, loan repayment, or something else? Gifts and inheritances are generally...
View ArticlePersonal Consumer Issues • Re: 2024 Paris Olympics; What are you Watching?
The women"s high dive is pretty amazing.Statistics: Posted by tennisplyr — Wed Aug 07, 2024 12:45 pm
View ArticlePersonal Investments • Re: Why numerous years of cash cushion?
Different people have different preferences and systems that work for them.Statistics: Posted by aristotelian — Wed Aug 07, 2024 12:45 pm
View ArticleNon-US Investing • Re: Making sense of how brokers actually store clients'...
Much less mysterious than you think.Settlement is t+1. If you sell something today the trade doesn't actually settle until tomorrow. Or if this was a Friday, Monday. For regulatory purposes, brokers...
View ArticlePersonal Consumer Issues • Re: College Costs
If your income is below 175% of Federal Poverty Level ($55k for a family of 4) FAFSA will skip all asset questions and the Student Aid Index will be $0.A year at UC Berkeley for an in-state student...
View ArticlePersonal Investments • Re: Quantifiable criteria to “Need, Ability, and...
I always say start with the global allocation, and only makes changes from that if you can express a rational reason to do so.I would also separate and prioritize the major financial goals. Retirement...
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Personal Finance (Not Investing) • Re: How long to keep records?
Real estate records, I'd say keep forever. I had my basis info from 2002 that I used for the 121 exclusion on our 2023 return. Closing statement and improvement records.Lost the furnace replacement...
View ArticleInvesting - Theory, News & General • Re: The Day The Factors Died
Why would a "factor" continue to exist, once the markets become aware of it.They can continue to exist because not all market participants are rational, which is one of the flawed assumptions in...
View ArticlePersonal Investments • Re: What is the best option for zero risk investing?
Okay, so I was just looking at my Fidelity account, and if I'm understanding this correctly, it appears that the small amount of money in my account that isn't invested in FXAIX automatically gets put...
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