Investing - Theory, News & General • What are you up YTD? [Year To Date]
AA is 60/40 (maybe off a couple percent right now)60% equities (VOO, VTI, etc)40% fixed (all in TIAA Trad @5.31%)+6.3% YTD portfolio growth (without contributions)+9.1% YTD portfolio growth (with...
View ArticlePersonal Consumer Issues • Exposed fiberglass insulation in basement ceiling...
Long story short, we have a large basement that has exposed fiberglass insulation in the 10ft ceilings, between the joists. The insulation is never disturbed (for the most part - see below) and my...
View ArticleInvesting - Theory, News & General • Vanguard Customer Service Mega-thread
I'm skeptical of this because I have VMFXX at Chase.I'm not familiar with Chase. Do they charge fees, commissions, etc.? I pay nothing at Vanguard other than ERs, which works out to an aggregate total...
View ArticlePersonal Consumer Issues • Chicago vs Michigan vs Notre Dame vs UNC Chapel...
Thank you EVERYONE for the comments. I got a hold of the freakonomics guy's interview. I plan to listen to it during my commute. Thank you for recommending it. If your niece isn’t accepted yet then...
View ArticleInvesting - Theory, News & General • Maximum length for LMP/TIPS ladder?
After making some adjustments to my LMP/TIPS a while back it now extends through age 81. What do people see as the maximum age or number of years a LMP/TIPS ladder should extend?Our taxable ladder...
View ArticlePersonal Investments • Am I saving too much?
I'd love to hit $10 million by 50 if possible.Is that in today's dollars or in 25-years-from-now dollars? The difference might be a factor of 2. $5M in today's dollars is probably enough to support...
View ArticlePersonal Investments • Migrate from Vanguard to Fidelity?
Its usually best to hold the mutual funds of the brokerage you're using (to avoid buying and selling fees). I think you would want to convert your taxable brokerage VTSAX and VTIAX to VTI and VXUS...
View ArticlePersonal Consumer Issues • How to make life long prescriptions easier?
My wife has asthma and needs two types of inhalers - since she was a child & for the rest of her life.Every doctor she ever dealt with gives her max 3 refills (about 3 months worth). Forgetting...
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Personal Consumer Issues • Watches for $1K
Any automatic Seiko with a metal band will do nicely.If you want something special, check out the Seiko Turtle.https://twobrokewatchsnobs.com/seiko-tu ... -and-info/Statistics: Posted by snackdog —...
View ArticlePersonal Consumer Issues • I need a new furnace and AC system.
That is because we turn the heat or AC on only when entering that particular room.This doesn't work in cold climates - there needs to be some heat throughout in winter, although with a zone system you...
View ArticlePersonal Finance (Not Investing) • Mint alternative? Security risks?
Happy Good Friday community,With Mint going away, what would any use? I always like Mint and felt it was safe and with no issue in all the years I had it, it is safe to say it was safe. Are there free...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Please note that I am misquoted here...I didn't say that.Sorry! Fixed it.Statistics: Posted by Beensabu — Fri Mar 29, 2024 1:49 pm — Replies 5360 — Views 910639
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Personal Investments • Portfolio Selection Advice
Your situation is not bad at all. It's actually a better financial situation than most people. You may look at Bogleheads and think to yourself, wow I'm not as wealthy as them but these are not...
View ArticleInvesting - Theory, News & General • Current state of Vanguard tech and...
I have extensive experience with Vanguard and Fidelity, and also have an account I access regularly at Schwab. In my opinion the Fidelity and Schwab websites are miles ahead of Vanguard. Vanguard has...
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Personal Investments • What AA for a sinking pay off house early fund?
A sinking fund is a great idea. Since you are playing the "long game" of 15 years (maybe more) I would recommend that you also think about your long term career/income path. There's a good chance that...
View ArticlePersonal Finance (Not Investing) • Deferred Comp From a state where I am no...
I'm shocked that such a very basic question is not so easily answerable on this board given the breadth of its members. It's frankly a little unnerving because I don't think I've ever seen the...
View ArticlePersonal Investments • Rearranging Portfolio
Thank you guys for all the tips, especially you CyclingDuo! This forum is awesome! This has definitely helped inform my next steps.Statistics: Posted by lenozzedifigaro333 — Sat Mar 30, 2024 1:43 pm —...
View ArticlePersonal Finance (Not Investing) • Setting up a trust
...Thank you, Bruce, for chiming in.My wife and I have pour over wills that name each other as the primary beneficiary, and then, for the last to pass, fund a trust, that is then (when the youngest...
View ArticlePersonal Investments • When To Slow Down…
You’re already doing a great job maximizing pay then. $250k is great for a PA. I didn’t realize the pay was that good. The base hospitalists pay is around that, so quite a good deal for 2 years of...
View ArticlePersonal Investments • How do YOU integrate cognitive decline with investment...
We plan to move all the portfolio into Vanguard Wellington funds once the youngest reaches age 74, and RMDs are imminent.That gives us a 65/35% portfolio, low fees, and no need to ever rebalance...
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