Personal Finance (Not Investing) • Converting co-owned paper I-Bonds to...
...From my recollection doing this a couple years ago, they will show up in your conversion linked account with the original form of ownership...Let's say you are A, and the paper bond was registered...
View ArticlePersonal Investments • Decumulation Curves - What do they look like?
How do you define "head to almost zero"? ... At age 120, they take half the portfolio, but they don't get above 10% until age 94.For the sake of discussion, when the RMD rates get to 10% / yr of the...
View ArticlePersonal Consumer Issues • Seeking Recommendations for Cruise of Norwegian...
Whichever you choose, ensure it goes to Geirangerfjord. . I’ve visited 42 countries and it is the single most awe-inspiring place I’ve ever seen with my eyes. Do keep in mind many Norwegian cities are...
View ArticleInvesting - Theory, News & General • Preparing for 2026 tax brackets
I am enjoying the currently-low tax rates and how they, in combination with my employer plans, allows me to put a considerable sum into Roth space at low-from-my-view taxes. In 2024, that's going to...
View ArticlePersonal Finance (Not Investing) • Vanguard Account Security
SMS 2-factor authentication can be hacked with SIM swapping. It is best to use a Google voice phone number or use Google Fi as cell phone service since it has better protection against that when it is...
View ArticleInvesting - Theory, News & General • Charley Ellis says "Too much in...
I can't easily access this one, but many articles on this subject fail to identify their intended audience: Is it working people with years to go in the "accumulation" phase, or retirees with a...
View ArticlePersonal Finance (Not Investing) • PrePay Discount Offers for Medical...
My experience with expensive procedures is there is zero price transparency and you will get multiple bills from multiple providers, many for things you didn’t know would happen. It feels like a lot...
View ArticlePersonal Consumer Issues • Hyundai Ioniq lease deals
Is this true? This is the first time I've heard that the $7500 can be added back in a buyout. Is it a Hyundai thing?That is my supposition given that, after having paid almost $9,000 into the lease,...
View ArticlePersonal Consumer Issues • New iPad Air or 10th gen iPad?
Just upgraded myself last week and I opted for the Ipad Air 5th Gen as I personally think its the best bang for your buck currently. It has a better screen (anti-glare) and more powerful GPU vs iPad...
View ArticlePersonal Finance (Not Investing) • Low Expenses, How?
the only "problem", if you could call it that, is how this impacts your social interactions with other parents in the area, and your kids with their kids. when others have a huge house with a big pool...
View ArticleInvesting - Theory, News & General • Victor Haghani on owning TIPS bonds...
In the world of nominal bond funds many hold intermediate-term bond funds through their 60s and 70s and then switch, either gradually or all at once, to short-term bond funds in their 80s.Why can the...
View ArticlePersonal Consumer Issues • Car with engine problems
I would donate the car to charity and get a tax deduction. Then buy a full electric vehicle so you will never have the same issue again. Or at least never buy an ICE vehicle manufactured by a US...
View ArticleInvesting - Theory, News & General • Advantage to the Boglehead investor
I thought SPIVA report is net of fees. IMO to evaluate a professional investor you need to evaluate the gross return.Statistics: Posted by gammalaser — Sat May 25, 2024 9:44 pm — Replies 5 — Views 623
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Investing - Theory, News & General • A question about Monto Carlo and data
After 2 consecutive big down years [like 1973-74 and 2002-03], Monte Carlo analysis expects the same likelihood of a similar negative return in the 3rd [and 4th, 5th, 6th] year. Common sense says that...
View ArticlePersonal Investments • Transition to new Vanguard Personal Advisor
Below is from pg 14 Advisor Client Relationship Summary Form CRS 3/28/2024https://personal1.vanguard.com/pdf/vpabroc.pdf------Personal Investor Clients can consult with an advisor to discuss certain...
View ArticlePersonal Investments • Moved dad’s iBonds money into something else now?
It sounds like they are in great shape if they can live off SSA alone. How to design their overall portfolio is a question of their goals and comfort with different risks. A balanced portfolio as you...
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Forum Issues and Administration • Just joined can't add Avatar
I just joined, and I am trying to add an Avatar.I'm on the User Control Panel - Profile tabI see "SELECT YOUR AVATAR," but that isn't a live link.I click on the empty Avatar, and nothing happens.How...
View ArticlePersonal Investments • Shift future savings from tax-deferred to taxable?
8) Read the following URL.https://www.madfientist.com/how-to-acce ... nds-early/KlangFoolThis was exactly what I was going to recommend too. Read the post, then do your own math for your own tax...
View ArticlePersonal Finance (Not Investing) • Spending in Retirement
A post from that thread by user Brooks: Thu Apr 27, 2023 3:51 pm"The highest form of wealth is the ability to wake up every morning and say, I can do whatever I want today. If there is a common...
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Investing - Theory, News & General • Modified versions of HFEA with ITT...
The ultra 10 tracks the 10-year treasury nicely, and slightly outperforms it as expected due to its slightly lower duration and the rising rates environment (1st chart).The ZN however underperforms...
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