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Personal Consumer Issues • USPS Informed Delivery is Back
Only problem we have is they scan the mail in St. Louis and we live about 60 miles south. Sometimes, mainly on Mondays it looks like we're getting mail but the truck doesn't make it down to the local...
View ArticlePersonal Consumer Issues • What Car Should I Buy If Money Were No Object?
Seriously, what did Bogle drive? I think you were joking but if anyone is actually curious, John Bogle used to drive Volvo station wagons. According to this old Forbes article from 2001, he would...
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
Ben, Thank you for all your work on this. I have been playing around with the TPAW planner and my results are nearly identical to the Fidelity retirement planner. This is except for asset allocation....
View ArticlePersonal Finance (Not Investing) • Check Fraud
Could you please explain how Fidelity CMA pays the bill and why it is safer? Does it mail checks to payees or via ACH?This has nothing to do with using Fidelity. Most banks or credit unions have...
View ArticlePersonal Finance (Not Investing) • Use 529 for College Credits Earned in High...
You could also look into the Lifetime Learning Credit instead if you meet the income eligibility. See IRS pub 970.Statistics: Posted by Pdxnative — Mon Sep 16, 2024 1:04 am — Replies 2 — Views 199
View ArticlePersonal Consumer Issues • naming beneficiariy at Vanguard
Hi folks..my wife and I were co-owners of several mutual funds at Vanguard...they would not allow the naming of contingent beneficiaries on a jointly held account...this was concerning in the unlikely...
View ArticleInvesting - Theory, News & General • Why the love for the 3 fund portfolio?
As others have noted, if you have both tax deferred and taxable accounts, as most Bogleheads do, an all in one fund is an inferior choice from a tax standpoint. Stocks should be in taxable, bonds in...
View ArticlePersonal Consumer Issues • Best Washing Machine
)please keep in mind that front loaders are not the best for everyone. There are certain use cases which cannot be met through a front loading washer, such as needing to soak laundry before a wash. It...
View ArticlePersonal Investments • Bonds Question - Only have short term bonds option in...
I am 43 and have been 100% stock for some time now, I've been lucky as of late but I'm ready to start on a glide path towards a target bond allocation that will grow in share of portfolio as a I age....
View ArticlePersonal Consumer Issues • EV / Hybrid basics?
...if you don't drive a lot... and are mostly driving locally. That's the ideal use case for an EV.While I can see that this pattern works well with an EV, and it's basically what the cheaper EVs like...
View ArticlePersonal Investments • Please give feedback on portfolio
I'm 30 years old with ~$50K invested across IRA and 401(a) with the following allocations:S&P 500 Index: 33.2%,Total US Market: 28.4%,Global Market: 27.7%,Total Bond Market: 6.6%,US Small Cap...
View ArticlePersonal Investments • TPAW Asset Allocation question
Hi all, I've been tinkering with the TPAW retirement planning tool the last few days (it's really cool) and have a few questions - 1. I've been using a ~70/30 stock bonds asset allocation in the...
View ArticlePersonal Finance (Not Investing) • Checking account cushion: keep higher...
I started using BoA/Merrill for preferred rewards, and ended up liking their checking. I moved our emergency fund and medium term cash over to Merrill and have it in TTTXX so everything "cash related"...
View ArticlePersonal Finance (Not Investing) • rental property - poor investment?
Cap rates are dependent on the quality of the location. Highly desirable, quality locations will always return low cap rates. Whereas, low quality properties in less desirable areas will return high...
View ArticlePersonal Investments • AA staying the same despite new stock market highs?
When were you last at 50/50? If you started at 50/50 at the beginning of this year, the stock portion should be much higher. What are funds used for stocks and fixed income parts?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Where to find free tax help?
I have a friend of my daughter who is currently unemployed and homeless (long story but not the point). This person had some part time income in 2023 ( they do have w2) but has not filed a tax return...
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Personal Investments • Traditional vs ROTH (IRA + 403b)
As someone who is going to start her career soon and new to all of this, how do I decide on whether to use traditional vs ROTH IRA + 403b?It seems that a traditional IRA are for those who are in the...
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Personal Consumer Issues • How to gift my car in California to my son in...
Either should work. California has an exemption for family to family transfers so you wouldn’t have to pay a tax but there would be some title fee for the DMV to print out a new title. I’m not sure if...
View ArticlePersonal Consumer Issues • Buying blinds for dealer with personalized in-home...
+1 for using a reputable local dealer.I just finished a new build this year with 14 windows and a patio door. Settled on basic blinds from an upscale name thinking the quality would be assured...not...
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US Chapters • Roll Call for the Retirement Class of 2023!
At the end of October 2023 I left work at 57 to care for my folks. All those years of saving and investing made it possible! Slow and steady really does work. Thanks to the forum and this list in...
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