Personal Investments • Re: Portfolio review, helping mom develop a new plan
You mentioned getting a one-time advice to simplify her portfolio, do you have any recommendations for this? I think doing this, with my mom present, would be very helpful for her too. I’ve been also...
View ArticleInvesting - Theory, News & General • Re: Why is Larry Swedroe wrong about...
The Total Market Index Fund primarily exposes you to the risk of large-cap companies, as it's heavily weighted towards the biggest stocks. Swedroe believes that adding exposure to other factors can...
View ArticlePersonal Finance (Not Investing) • Re: Solo 401k (Contributing for Spouse as...
[*][*]You cannot a contribute for a spouse. A spouse who also works in the business can participate in the 401k without subjecting it to the additional requirements of other 401ks that having any...
View ArticleInvesting - Theory, News & General • Re: HSA Bank eliminating investment...
I have an HSA with HSA Bank and an attached Schwab investment account.We no longer have a qualifying high deductible health plan for HSA contributions. If I never need to contribute to this account...
View ArticlePersonal Investments • Re: Cash holding in retirement
We are ages 81 and 78. We hold about one years worth of expenses in the Vanguard Short-Term Inflation Protected Securities Fund and about 6 months of expenses in the Vanguard U S Treasury Money Market...
View ArticlePersonal Consumer Issues • Re: College Costs
Less than 10% of MIT's operating expenses comes from tuition:https://facts.mit.edu/operating-financials/If tuition is insignificant to the institution they should make the school tuition free. They...
View ArticleInvesting - Theory, News & General • Re: Why all the IRMAA angst? [IRMAA:...
I can't see why not. I don't think IRMAA bracket thresholds have ever decreased year-over-year. Could they ever decrease? I presume not, but I don't know the theoretical answer to that.It is possible...
View ArticlePersonal Consumer Issues • Re: Electric Toothbrushes - Longevity
THis Oral B. At least 10 years.https://www.amazon.com/gp/product/B002H ... UTF8&psc=1Statistics: Posted by Sandtrap — Fri Aug 16, 2024 3:42 pm
View ArticlePersonal Finance (Not Investing) • Re: Post-NAR Settlement Buyer Commission...
To get started given we are still very early:Active buyers using an agent: What terms are in the contract you are being asked to sign with the agent before a house is shown? Have you had luck...
View ArticlePersonal Consumer Issues • Re: Address is Physical USPS Location?
What you describe reminds me of the addresses used by digital nomads....it's not where they plan to be, it's where they plan to retrieve mail and packages.Statistics: Posted by MrWasabi65 — Fri Aug...
View ArticlePersonal Investments • Re: Investments for children
what do you guys think?I don't see the advantage of having separate accounts for kids; it just seems needlessly complicated, especially given that we see a lot of replies where Bogleheads are saying...
View ArticlePersonal Investments • Re: Best use of $200,000 inheritance?
Start a broker account at fidelity Put it into FXAIX until your 60 ishAt ten percent return 9 millionAt 8 percent 4 million Pay your loans while you work and live cheapYou will thank me when your...
View ArticleInvesting - Theory, News & General • Re: Vanguard is owned by its...
I disagree with a lot of the discussion. Vanguard is very much like a non-profit, in that any profits from the parent would go to the underlying funds to reduce expenses. The parent and the funds do...
View ArticlePersonal Investments • Re: Unable to Withdraw Cash from Vanguard Brokerage...
Although I appreciate receiving a response from Vanguard, I note that:If I'm understanding correctly...Suppose two people have a joint brokerage and similarly titled joint checking. If BOTH people...
View ArticlePersonal Finance (Not Investing) • Re: Umbrella Policy WITHOUT Homeowners...
At those prices (assuming no dogs, trampolines, or diving pools) it appears that CPL premiums have an "adverse selection" factor included that treats the lack of an HO policy as a negative...
View ArticlePersonal Finance (Not Investing) • Re: When one spouse lives much longer...
The fifteen year term life insurance policy on me I purchased just after retiring will expire in the next year or so. I've instructed my spouse to consider keeping it active at the exorbitant post...
View ArticlePersonal Consumer Issues • Re: Fort Collins Co vs. Dayton Ohio for weather...
Last post here. I am sure Fort Collins, CO is a great place to live. Based on the OP’s criteria, that’s where I would pick, as I said upthread.That said, I don’t see the point in having to paint...
View ArticlePersonal Consumer Issues • Re: Tonal Home Gym
Quoting my last post:One possible downside to consider is that Tonal cannot be used offline. It requires an internet connection at all...
View ArticlePersonal Finance (Not Investing) • Re: Employer coverage for jury duty
Thanks for all the thoughtful commenters on this thread - I'll respond to some of the questions people raised:* My case is held in a CA state court* I have not gone through the Voir Dire process yet,...
View ArticlePersonal Finance (Not Investing) • Re: Switch jobs at 58 or wait for a package?
Trying to think of what kind of salary would make me willing to do that commute. I think 3M/year (250k/month).Statistics: Posted by canadianbacon — Sun Aug 18, 2024 3:58 pm
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