Personal Finance (Not Investing) • Re: If you self-insured for health, how...
I'll add a tidbit from a podcast I heard awhile ago that changed my perspective on health insurance. The goal of health insurance isn't to "maximize its value", in fact if anything the less you use...
View ArticlePersonal Consumer Issues • Re: Cross-threaded License Plate Bolts
While I admire the "can do" attitudes of the Boglehead forum, I would take the time and effort to go back to the dealer and make them fix it "right". They messed it up, they should fix it. I'd figure...
View ArticlePersonal Finance (Not Investing) • Re: Quitting job to work on startup ideas
Hey,I was the founder of a startup that shut down after ~3 years of operation, so maybe my experience could help you make a decision (if it's not too late already).Let me start by saying that building...
View ArticleNon-US Investing • Re: Investment Policy for move to Poland
It seems a lot of the complexity (use of V60 the mixing with separate bond funds etc.) relates to trying to avoid taxes during rebalancing time.As someone in a potentially similar situation, I simply...
View ArticleInvesting - Theory, News & General • Re: Has your lived experience...
I learn to live below my means from my parents.I got interested in investing by a friend at work who was showing me how to invest in individual stocks. I picked up the interest and moved to a...
View ArticlePersonal Investments • Re: My AA to reach early retirement number
solve a time-value-of-money problemthat will tell you the return you need to hit your future value after n years, based on what you currently havethe return tells you how much risk you need to take,...
View ArticleNon-US Investing • Re: FIREd US citizen moving to UK - preparing
And how do you estimate a 30% penalty? The expatriation tax is on deemed sales of assets with unrealized gains. Also, the amount that would otherwise be includible in gross income by reason of the...
View ArticlePersonal Consumer Issues • Re: Carfax says my car is overdue for service
I have been getting emails from the car dealer where I bought my car and where I have it serviced. The emails contain a Carfax report that says the car is overdue for an oil change. However, when I...
View ArticleInvesting - Theory, News & General • Re: Static vs Dynamic Asset...
"This is like trend following in some ways, except that future volatility is more reliably predicted than future price movements." - Price movement is all that matters, however; of course adjusted for...
View ArticlePersonal Finance (Not Investing) • Re: Landlords of BH, how to ensure that...
Actually having a clogged air filter forces the system to work harder, and it can indeed damage the system or shorten its life. More resistance = more energy expended. HVAC techs will tell you the...
View ArticlePersonal Investments • Re: Pause Plan to Add International
I still have faith in the short term that the US will continue to outperform and that I will still have time to add international slowly in the future if I start to see that change. I feel that...
View ArticleInvesting - Theory, News & General • Re: I own my own home. That must...
It should, but indirectly, as it will impact your risk aversion.Risk aversion is the fundamental factor that determines your entire portfolio allocation. When you mention that you want to go for a...
View ArticleNon-US Investing • Re: Hold onto the buy-to-let or sale and invest in index...
2) gearing => what's gearing?11) I sense you are very positive on RE (no maintenance cost, low agency fees) and pessimistic on bonds (inflation is not real so why buy ILBs). I would never buy a buy...
View ArticlePersonal Finance (Not Investing) • Re: Rutting Season=Totaled Car [Hit by a...
Thank you all for your replies. I wound up selecting a 2025 Honda HRV for a little more than $32,000 in total (taxes, etc., included in that price). Cash payment. I went with the HRV Sport (mid-level)...
View ArticlePersonal Consumer Issues • Re: Tesla Model 3 Is The New Toyota Camry?
One thing I'll add is that this is an extremely fast car, with a zero to 60 time of roughly 5 seconds. For context, that's quicker than any of the fabled American muscle cars of the late '60s/early...
View ArticlePersonal Finance (Not Investing) • Re: Medigap or Medicare Advantage?
In a broad sense. yes they are supplements but act differently. Yes. My point was that historically, both were called supplementary insurance, so that the best way to communicate the name of the...
View ArticlePersonal Finance (Not Investing) • Re: Bank of America promo: extra 2%/2x...
I spent 40 minutes on the phone with BoA regarding 2 transaction done on 11/7 with a date/time stamped email from the business confirming the payment but both showed as 11/8 for transaction and...
View ArticlePersonal Investments • Re: Security and Voice Recognition
How does the enhanced security password work. Do you have unique password you give them when you call in?When you call in, they should ask for the phone password if you have established it. If you...
View ArticlePersonal Investments • Re: State Taxes and Roth Conversions in high income...
But this true only if you pay the taxes from taxable, rather than the conversion itself.No. It's better to pay tax from cash on hand, but it can still be good to convert (vs. not convert) even if the...
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
This thread always cracks me up. Bogle said 'NO' to international. A lot ignored him to their own detriment. And here we areI don't think "Jack said so" is going to change anyone's mind.Statistics:...
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