Personal Consumer Issues • Seeking Recommendations for a Six Person Vehicle...
Six people, lots of luggage and for three weeks? Rent a MB Sprinter passenger van.Statistics: Posted by bobn60014 — Fri Dec 13, 2024 10:39 am — Replies 3 — Views 107
View ArticlePersonal Investments • Anyone else have trouble tolerating bonds?
Well BND did lose more than Vanguard Growth ETF in 2022.this is what you wrote -- Vanguard Growth ETF; isn't that this?https://investor.vanguard.com/investmen ... rofile/vugStatistics: Posted by...
View ArticlePersonal Consumer Issues • Bird watchers – what birds are you seeing?
I saw a bald eagle (!) yesterday flying at the edge of a pond in the Boston area.Statistics: Posted by WoostaGal — Sat Dec 14, 2024 10:52 am — Replies 3142 — Views 278487
View ArticlePersonal Consumer Issues • What’s the deal with turntables?
Now that is just hillarious. Do they like the cyclical click of the mechanism that rotates the spool of tape more than the annoying hiss of the tape? Perhaps I can finally unload the tape deck that I...
View ArticlePersonal Investments • Is psychology the only reason to not stick with 80-20...
...my retirement savings are invested in Vanguard’s target date 2045 fund. I’m thinking of switching to pure funds (US stock index, international stock index, and bond index) to have more control over...
View ArticlePersonal Finance (Not Investing) • How Much do you gift your children?
We choose to gift travel to our adult children and their families.Our two "children" are in their 40's, each have a spouse and children & step-children. Both families live far away from us so we...
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Personal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
I spoke to a very nice man on the phone today who claimed to be a supervisor and confirmed that in fact VUSXX (and all other money market funds) does NOT have a transaction fee, but there is a bug in...
View ArticlePersonal Consumer Issues • How to Move to Linux
I'm not personally convinced that Canonical or Red Hat control over your operating system is inherently better than Microsoft control. I think you are granting control whenever you use something you...
View ArticlePersonal Investments • What would you do with extra cash if you had a goal in...
Let’s assume for a moment that you had an extra $500-$700k in cash and you have a goal to turn that into roughly ~$950k in about 4.5 years in order to pay off a mortgage.I don’t want this to be a...
View ArticlePersonal Consumer Issues • How to replace Windows with Linux, easy
"If your time is worth nothing, then Linux is free."Yep, about once a year, on average, I have to do a complete reinstall (in which case the data on the old HDD is still easily recoverable). I've done...
View ArticlePersonal Investments • seeking Vanguard money market alternative
I've been with Vanguard for 28 years, never had an issue. Schwab's a pain - I have to keep manually sweeping money into my MM account. At the for-profit guys, it's you vs them.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Vanguard provided information regarding...
This is the first year I will be doing Required Minimum Distributions and want to get it done by December 31, 2024.I called Vanguard Thursday just before I was going to be in my car going somewhere....
View ArticlePersonal Finance (Not Investing) • Avoid IRMAA- married file Separately??
Helpful answers. Thanks everyone. Happy holidaysStatistics: Posted by DocTNF — Sat Dec 14, 2024 10:59 am — Replies 11 — Views 730
View ArticlePersonal Finance (Not Investing) • Engineers - when did your yearly raise...
For those who had gotten their PE, was this your highest salary jump on average? I'm curious if this was one of the biggest jumps, as getting that PE can get you started with signing/stamping.PE did...
View ArticlePersonal Finance (Not Investing) • Out of Network Anesthiologist
I haven't read the entire thread, but will share a similar experience I had many yrs ago.Probably 15+ years ago had a preventive colonoscopy scheduled. Prior to the procedure, I went into the office...
View ArticlePersonal Consumer Issues • What’s a good “step up” from a Toyota Rav?
We went from a 2015 RAV4 to a 2024 Honda CRV hybrid sport L. Very nice upgrade and got me out of the Toyota service department. We have 3 Honda’sStatistics: Posted by mortfree — Sat Dec 14, 2024 11:00...
View ArticlePersonal Investments • investment advice- 38yr old looking to retire around 55
I will put together a written exit plan thank you.Are you recommending backstop or asking if i have one? When you say backstop are you referring to a backstop against risks (living longer, taxes,...
View ArticleInvesting - Theory, News & General • Money Market Optimizer Spreadsheet -...
Because all municipal MMFs mostly hold VRDOs, Variable Rate Demand Obligations. These have a wider fluctuation during interest rate change cycles, which we are still in.The regular fluctuations in...
View ArticlePersonal Investments • Should we start doing Roth conversions?
For 2025 we have decided to contribute ONLY to Roth accounts.That is good plan. Also consider:1. Holding your fixed income allocation in your tax deferred accounts (which may help slow the growth) 2....
View ArticlePersonal Finance (Not Investing) • Backdoor Roth IRA
The pro-rata rule considers all pre-tax money in Traditional/SIMPLE/SEP IRAs. (For example, form 8606 line 6 says, "Enter the value of all your traditional, traditional SEP, and traditional SIMPLE...
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