Personal Investments • Re: Thoughts on bonds vs. cash
Again, I think a great deal of this discussion is driven by an inverted yield curve, which has “cash” yielding the same as intermediate term debt. The other part is simply different definitions of...
View ArticlePersonal Finance (Not Investing) • Is this IT security idea -- worth the effort?
I have been wondering whether an idea of mine is worth the effort and am hoping that the boglehead IT security savy folks would provide insight.I was thinking that I would put all of my financial...
View ArticlePersonal Consumer Issues • Re: Philosophy Book Feedback
A successor to Plato's Republic? Plato's Republic was written some 2400 years ago. It's proposed that people will be reading this book 2400 years from now? That's a bold prediction.I'll give it a shot...
View ArticlePersonal Finance (Not Investing) • Re: 2025 financial moves: consolidate...
Can you share your spreadsheets?SimplifyingDuring year-end tax planning, I realized that we have too many accounts and I'd like to simplify. Aside from retirement accounts, we have three brokerages:...
View ArticlePersonal Investments • Re: seeking Vanguard money market alternative
All these comments are helpful. I will look into straight treasury bills (I have never done this). The reason why it was so ghastly horrible for me is because I am off the charts busy, can never get...
View ArticlePersonal Finance (Not Investing) • Re: Is this IT security idea -- worth the...
It would be worth the effort. Proton is a good choice.Statistics: Posted by Tycoon — Fri Dec 13, 2024 7:37 am
View ArticlePersonal Investments • Re: 2025 changes to our bond allocation?
If you want a bond fund, I'd stick with FXNAX, which has the lowest ER of your choices.In mid-30s, however, I'd be 100% in total US stock market plus total international stock market, assuming you...
View ArticlePersonal Finance (Not Investing) • Re: Company car vs. auto allowance -...
With only 8k miles a year for the job, that's a no brainer to keep your car. I did excruciating math when I was in that one job where my car would have to be 5 years or less and was driving 25k miles...
View ArticlePersonal Investments • Re: Does this seem like a decent plan?
The basic idea is fine in a general way, but I would devote some time to learning about investing. A good start is here: https://www.bogleheads.org/wiki/Main_PageYou should at least look at if not...
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Personal Consumer Issues • Re: "Good enough" online security?
Agree with nisiprius. Credit freezes with the big three. I regularly do different antivirus and malware scans that also never detect anything. I also never click on attachments or links that I'm not...
View ArticlePersonal Finance (Not Investing) • Re: Guessing healthcare costs in retirement
Great job! Next step, remove the out of pocket max and replace it with what would be typical expenditure for your family. [Reaching out of pocket max each year would require lot of care to the point...
View ArticlePersonal Consumer Issues • Re: How to Move to Linux
I dont prefer MS control over my OS. Thinking of moving to a Linux based OS. What will I lose, if anything. I do not do any gaming.What steps do I take? What version of Linux is...
View ArticlePersonal Investments • backdoor roth and income
Need some information regarding the backdoor Roth and income. Our MAGI is borderline at the income limits for a Roth contribution for my husband. Is there any downside or penalty for making a non...
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Personal Consumer Issues • Re: Creating the ideal sleeping environment
Perhaps this is something for your son to handle on his own without undue influence."undue influence" He is a teenager still living at home.Yes, "independence" is important, but if there is a problem...
View ArticlePersonal Consumer Issues • Re: leasing a Car versus buying a Car
Some people like having a new car every few years with no ownership headaches, and are willing to pay for it.Indeed, and some people do that by buying 2-3 year old used cars (like lease returns) and...
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Personal Finance (Not Investing) • Re: Realize gain and incur tax on gifted...
Did your daughter earn any “scholarships” - not sure, how scholarships account/help toward “half the support” requirement (ie, would a said scholarship reduce the full-year cost of supporting herself...
View ArticlePersonal Finance (Not Investing) • Re: Scammer wired $900,000 from our...
It's not necessarily a wire transfer. It's updating account numbers. Often right before a scheduled transfer is known to occur. 2023 losses were estimated at $2.7B from BEC attacks. You may not...
View ArticlePersonal Consumer Issues • Re: How Do You Make The Best Cup Of Coffee?
https://www.sweetmarias.com/bonmac-2-si ... kz4sWuDVcaI recommend Bonmac and it ensures the flow rate to be consistent even with bad pouring technique.https://www.sweetmarias.com/glass-cleve ......
View ArticlePersonal Investments • Re: Portfolio Questions - early retirement with SEPP/Roth
Contributions: Is an HSA available to you?Annual Expenses: What are your annual expenses now and how much income do you want / need when you are no longer working? When thinking about your expenses,...
View ArticlePersonal Investments • Re: CDs or money market
Money market sounds about right for you. Maybe a Tbill ladder if you want to squeeze an extra penny out of it for the next year.So, leave it where it is - in the Settlement Fund. Then it's earning a...
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