Personal Finance (Not Investing) • fraudulent or mistaken charge on debit card
I am treasurer for a small club and in 2023 we got a debit card from our credit union just for recurring domain name renewals and occasional supplies. This month I found a charge for $153.25 by Amazon...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
A person agnostic about US vs. ex-US. but interested in diversifying from the S&P 500, might wonder if US residential real estate makes sense. We hear that it also did well in the 1970s - another...
View ArticlePersonal Finance (Not Investing) • Who has done a 529 to Roth IRA?
While our of scope for this forum, I'll simply add a note for awareness that putting the extra 529 money into DS1's Roth only if DS2 doesn't need it for college first could be a nasty fight. None of...
View ArticlePersonal Investments • Do you adjust your asset allocation based on the...
I believe I already know the answer, but I'm going to ask it anyways - do you ever consider (...are you ever tempted...) to adjust your asset allocation based on domestic politics, the geopolitical...
View ArticlePersonal Consumer Issues • Subrogation letter from health insurance company
I would just snap a picture with my cell phone then send it off in the mail. You are way overthinking this.Statistics: Posted by Nate79 — Sat Jan 11, 2025 4:17 pm — Replies 6 — Views 267
View ArticlePersonal Consumer Issues • Carry-on luggage
After an extensive search, I bought two items from https://www.flightattendantshop.com/tra ... 5-luggage/:https://www.flightattendantshop.com/tra ... ollaboard/I wanted to be on the safe side, so this...
View ArticleInvesting - Theory, News & General • 2025 Hedge Fund Contest
Tomorrow, Monday 1/13 before the market closes at 4pm ET, is the last day to submit your entries. Please get them posted today if you can.Statistics: Posted by Tanelorn — Sun Jan 12, 2025 4:20 pm —...
View ArticlePersonal Investments • question on definition X times your income for retirement
We're near retirement with low savings so our goal is the most practical for us: trying to cover our residual living expenses for 35 years. We consider our residual living expenses to be expenses not...
View ArticlePersonal Investments • Any reason to hold a bond fund instead of iShares iBonds?
I am not capable of understanding how a bond fund is similar or as good as a ladder. I admit it. It's a flaw. I'm happy to hear a clear explanation again. I have a 10 year rolling Treasury and Tips...
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Personal Consumer Issues • Japan- Visit frequently or move there?
Thanks again for the replies...you have given me more to think about. Yes, I did live on a military base but also lived on the economy as I was there for more than 5 years. I speak some of the...
View ArticlePersonal Consumer Issues • HEPA Air Purifiers - how often to change filters
Our filters have a 5-year warranty. Surprisingly, the unit still works great nearly 25 years later. It has a prefilter we usually vacuum and on one occasion actually replaced it because it had...
View ArticlePersonal Consumer Issues • Sales Tax on Amazon Purchases
In CA, some cities have a sales tax adder of 0.25% to 2%. My home address has just the state rate or 7.75%. I often ship to an Amazon pick up locker (I have a small locked mailbox a mile from my house...
View ArticleInvesting - Theory, News & General • After the recent bond bear market,...
Mostly in short term and ultra short term but have slowly and will continue to extend duration using VCIT. Which is Vanguards intermediate term investment grade corporate etf. Duration is 6 years and...
View ArticleInvesting - Theory, News & General • Stocks Are More Expensive Than They...
Yeah right. Except that that is exactly what people were saying circa 1999 and 2000.I would not compare it with 1999 and 2000.The earnings of current top companies are less cyclical than the earnings...
View ArticlePersonal Investments • Best place to park money for 8 months
Good call to go with VUSXX Vanguard Treasury Money Market fund. Don’t forget to deduct the state taxes from the federal treasury interest/dividend portion, around 80% if I remember correctly. Vanguard...
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Personal Investments • Request Review of Proposed Portfolio - AA, AL,...
I appreciate your detailed response @bonsely and highlight of what I could change. To help me fully understand, I would remove the cash allocation and replace with a 60/40 split of stock (large cap) /...
View ArticleInvesting - Theory, News & General • HSA contribution increases for 2025
Thank you, Terran and kd2008, for your replies!Statistics: Posted by FriedOkra — Sun Jan 12, 2025 4:28 pm — Replies 11 — Views 2265
View ArticlePersonal Investments • Federal Employee Retirement Plan
Congrats on your savings to date. How is your health? What’s your life expectancy? Family history? My sister smokes and filed for social security at age 65 the day after she was diagnosed with stage 4...
View ArticlePersonal Finance (Not Investing) • How much is too much for term life?
You may get more helpful input if you share additional information about your financial situation, like your overall net worth, income divided between you and your spouse, and overall annual...
View ArticlePersonal Investments • My head is swimming. Bond funds.
This wiki topic will walk you through the process of posting your situation and asking your questions: https://www.bogleheads.org/wiki/Asking_ ... _questionsTo edit your OP (original post, original...
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