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Personal Finance (Not Investing) • Anyone Bored in Retirement ??
. . . Most of my activities are upgrades of activities I had while working. Examples are (1) running with more time and mileage now, (2) gardening but now there are many more blooming plants, (3)...
View ArticleInvesting - Theory, News & General • Muni bonds: VTEB vs. VWIUX/VWLUX...
VWIUX, and I am hoping that it will be the same wih VTEB, has not have cap gains distributions, unlike VWLUX, VMLUX, VMATX. While it is not a lot, I like the predictability of VTEB/VWIUX so I can...
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US Chapters • Roll Call for the Retirement Class of 2024!
Well…..I have good new and bad news about my retirement date. My employer asked nicely if I would stay on until fiscal year end (March 2024), and I foolishly agreed. Please move me to the retirement...
View ArticlePersonal Investments • Decreasing bond exposure in retirement
I think at 75X, your AA should be determined by your willingness to take risk - which comes down to how you respond when stocks lose 50%-60% of their value - with no guarantee of recovery. This...
View ArticlePersonal Investments • Schwab - question on automatic investments
SpecID TLH at Schwab does require communication.What does "communication" mean?I don't have a Schwab advisor, and I have "tax lot optimizer" as a choice for my cost basis that I have used when selling...
View ArticleInvesting - Theory, News & General • Reverse drawdown for retirees
Would anyone do this?I think so, yes. I also think you will be subjectively living through that first year of retirement, and what they might not be simulating is your preference to sell one asset...
View ArticleInvesting - Theory, News & General • Replace Bonds With International...
Here's an interesting Rational Reminder (Ben Felix) podcast where Ben's guest, Scott Cederburg challenges the common thinking of asset allocation. Basically, if I understand this podcast correctly,...
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Personal Finance (Not Investing) • Self Employment - Estimated tax
Our 2022 form 1040 return had a "Total Tax" of 57K (Line 24)My Dec 2023 Paycheck from my W2 employer - shows a YTD tax withheld of 88K Does that mean I have already reached safe Harbor ? If so does...
View ArticlePersonal Consumer Issues • Should I spend $1500 for a kitten?
Go get that cat!Statistics: Posted by JPH — Mon Dec 25, 2023 3:45 pm — Replies 61 — Views 2646
View ArticlePersonal Investments • CA Scholarshare529– Regular or custodial?
Merry Christmas, Bogleheads!I’m hoping someone can save me a phone call to California Scholarshare529’s customer service line tomorrow. I set up a 529 with them online and almost hit “Sign,” when I...
View ArticleInvesting - Theory, News & General • How does Fidelity make money if...
Low or zero cost brokerages make their money off of interest on clients' cash. They don't really care that much about your stock or mutual fund assets. Where they make their money is that all clients...
View ArticlePersonal Consumer Issues • Hut to Hut Backpacking/Hiking - Italy Alps Dolomites
We have been doing Via Ferrata Climbs all over the Alps for a number of years. Best for first try is to do with a guide and learn best safety practices.Two guides I would highly...
View ArticleInvesting - Theory, News & General • Did I Mismanage My IRA Rollover?
When you rolled out the VXUS, the upcoming dividend was embedded in the NAV (you would have noticed the NAV dropped after the distribution)you bought into VTIAX post the dividend, and it's NAV had...
View ArticlePersonal Consumer Issues • How to I (safely) heat a cold bedroom?
I bought vornado from Costco . Sometimes , we use it and keep the temperature low on the house thermostat . Works good for small rooms There are other probably better and more expensive ( eg from...
View ArticlePersonal Finance (Not Investing) • Need to buy sister out of her half of the...
Ladies and gentlemen, the OP has "gone dark" since his/her initial post a couple of days ago. I suggest we ignore this thread until such time that he/she responds to all the suggestions and follow-up...
View ArticlePersonal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?
….. Even though you pay off cc’s every month, it has been studied many times and you naturally, and unknowingly spend more. First, this statement uses the word “you”. Who is you? The average person,...
View ArticlePersonal Investments • Wash sale question
OP should read the wash sale law for himself to see if there is any exception for a 403b. The law is quite succinct and I think the OP will see that there are no account types that are exempt....
View ArticlePersonal Investments • % in cash?
I have about 65% of portfolio in cash (earning 5.3% now; likely over 4% through 2024) . amount is well beyond emergency needs. why? first rule is, do not lose. second rule, if you have enough, read...
View ArticlePersonal Investments • What does Fiduciary Duty Mean (get you) in Practice?
Fiduciary is better than non-fiduciary, but it's still a crap shoot. The fiduciary standard is 'best interest of the client', but that's only as useful as how good they are at evaluating your best...
View ArticleNon-US Investing • Not so happy in Denmark... individual stocks better than...
Direct Indexing seems to be an elegant solution, but it’s not clear to me how complicated that would be for Danish taxes. Taking Direct Indexing off the table for now, I’ve listed below what I would...
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