Personal Finance (Not Investing) • Re: 1/10th Rule for Cars
They are still getting the full match, and you can call it a "depreciating asset" all you want, but what it really is is a basic necessity that is required just as shelter or medical care is....
View ArticleInvesting - Theory, News & General • Re: For Over-Savers: Now what?
1) Buy a bigger house, fancier car, more travel, etc.No on the bigger house or fancier car. Nor are we into cruises, luxury resorts or far-flung destination travel. I have increased my travel to...
View ArticlePersonal Finance (Not Investing) • Re: S-Corp: tax optimization and Solo 401k
Ok so I've been pinging back and forth with my accounting firm and they are modeling appx. $11.5k in net savings via the S-corp by arranging the payroll in 2 separate ways:1. paychecks paid to me in a...
View ArticlePersonal Investments • Re: Fun Money - Next NVDA?
AST Spacemobile, ASTS tickerStatistics: Posted by corey407woc — Fri Nov 01, 2024 1:14 am
View ArticlePersonal Finance (Not Investing) • Re: Debt Payoff Priority
I'm thinking of paying my student loan 1st. I'm worried that if in my worst case scenario something happened to me, payments wouldn't just default. They would go after my family/loved ones. However,...
View ArticlePersonal Finance (Not Investing) • Re: Question about what tax year a K-1...
Fiscal year ending in 2024 will go on your 2024 return. Any fiscal year ending before 12/31/2024 is filed on the 2023 forms.Is there a typo in the above? It's not making sense to me.Still trying to...
View ArticlePersonal Consumer Issues • Re: Cities with Extensive Bike Lanes and/or Public...
Most college campuses are bike-friendly, and students have figured out good ways to get around nearby.It is miserable and dangerous to bike in rain, snow, icy conditions, or high winds. That could...
View ArticlePersonal Finance (Not Investing) • Re: Is my child living beyond her means?
I say yes, just based on the new car each year, and $1200 monthly car payment, along with minimal savings…..Bad indicators, in my opinion.Statistics: Posted by MHA556 — Sat Nov 02, 2024 1:04 am
View ArticleInvesting - Theory, News & General • Re: Is it better to withdraw monthly...
We are non-US investors but the principles of withdrawal are the same.We rebalance our retirement port once a year. This means refilling our cash bucket and rebalancing stocks and bonds to our...
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Personal Investments • Re: Which assets should I hold in my HSA (California).
OK, I’ll be the contrarian (be kind fellow Bogleheads ).Years ago, after agonizing over this for too long, I decided to hold Vanguard Total Stock. I feel the benefits of the higher projected growth...
View ArticlePersonal Consumer Issues • Re: Who's up for pickleball? Zero-zero-two. Game On!
It’s much easier to impart topspin with a two handed dink and maybe best of all, it’s an amazing stroke to disguise a speed up. It does seem to add more strain to my back because I have to get really...
View ArticlePersonal Consumer Issues • Re: What do you buy in Asian food stores?
.. Asian cuisine seems too complex for my preferences. .. people .. emphasize the .. elaborate preparation, sophisticated sauces, and other work. ..VictoriaI disagree with the characterization of...
View ArticlePersonal Investments • Re: VTIP vs rolling 5 year individual TIPS ladder
It's worth reading William Bernstein ages of the investor and rational expectations. It covers the real risk of nominal bonds in a fiat world. Did you know that US LT bonds had a negative return...
View ArticlePersonal Investments • Re: 8 Year Boglehead Portfolio Review
Emergency Funds: fine.Debt: good.Asset Allocation: fine. If you decide to further diversify with International at some point...current guidance is no less than 20% and more more than 40%.Portfolio...
View ArticlePersonal Finance (Not Investing) • Re: Best "free" American Express...
I looked at the choices this morning on the official web site. Conspicuously, the EveryDay card (and its sibling, EveryDay Preferred) did not appear.Does anyone else see it? Does it still exist?It's...
View ArticlePersonal Consumer Issues • Re: Costco Car Battery Warranty Replacement Question
I actually just got a nearly full warranty refund with my costco car battery after the battery died with 8 months of use. I lost the receipt but they were able to confirm purchase within their...
View ArticlePersonal Finance (Not Investing) • Re: Working 4 Days A Week once I hit $2...
The expenses is the tough part because we are in daycare years and it is so expensive. This will slowly drop off over the coming years and it makes me feel like I should suck it up until that happens....
View ArticlePersonal Investments • Re: I Bond interest exclusion for 529 - considering...
I have 2001 bonds that would push me over the exclusion in 2031.Assuming our income and the exclusion MAGI increase at the same rate of increase, I calculate that I can redeem the bonds in three years...
View ArticlePersonal Investments • Re: Beginner Investor :) Need Feedback/Criticism
It is a little discouraging that I don't need to hold that many stocks.1) Why discouraging?2) Is 3,870 holdings enough?My salary is currently $32,000....we used it for our honeymoon....Is yours the...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity as a one stop shop
Ultimately when Fidelity made the change a month or so back to support standard TOTP 2FA, I switched from VIP so I could have the TOTP code on multiple devices, and register a personal device as not...
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