Investing - Theory, News & General • What do you think is the bare...
I’m not sure you need #3. If you use a target date fund, with a reasonable saving rate, you’ll meet your goal.Investor should understand the volatility and expected outcomes in the short and long run...
View ArticleNon-US Investing • How do you maintain your US self-employment when moving...
We have a remote contractor that lives abroad that we pay via monthly invoices and direct deposit. The LLC address is his mom’s house. The 1099 we issue him is also sent there. I’m not sure how he...
View ArticlePersonal Consumer Issues • Hyundai Ioniq lease deals
Bottom line: The lease is a great deal, at effectively $3k/year (plus tax, but including the DAS amount) to rent a $50k car. $3,499 + $400 (disposition fee) + $4,347 ($189/month times 23, as the first...
View ArticlePersonal Investments • Help with retirement money investments
I retired in April and I am starting to think about the next 15 years. Details: 56 years old. Married.I will pay 37% fed and about 5% state taxes this year.Maxed my retirement and HSA this yearSitting...
View ArticlePersonal Consumer Issues • Hot water heater seeping water
We have an HTP SSU-45 indirect gas water heater, installed in 2013. We are the original owners. It carries a lifetime warranty. Recently we have observed some water on the ground under the heater. It...
View ArticleInvesting - Theory, News & General • Victor Haghani on owning TIPS bonds...
I guess the bond ladder seems problematic to me. I have no idea how long I will live, so how do I know how long to make the ladder? I could just make the ladder extra long so that I am almost certain...
View ArticlePersonal Finance (Not Investing) • First Republic line of credit - 100k @...
I received an email this morning that in a few months at the end of the two year draw period the payments will convert to amortized vs interest only. The SOFI loan portal still “forecasts” interest...
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Personal Consumer Issues • Google AI (Gemini Advanced)
For fun I made up a complete nonsensical question to chatgpt. Based on this result, I am convinced we be under it's control any day now. I have no idea if this "title" is real I think the AI just made...
View ArticlePersonal Investments • 100 % Fixed and Content, a Mistake ?
Definite mistake. The 3% annual inflation is going to eat the portfolio slowly. Another inflation event like the past few years could noticeably reduce your real income. A serious inflation event like...
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Personal Investments • My experience straying from Bogleheads principles
I’ve read many books/articles/etc. about investing, and believe that the data backs up investing in low cost index funds such as VOO. I believe that it’s very hard for the average person to beat the...
View ArticlePersonal Consumer Issues • Need bath fans help
The fans are good - I did those myself. The problem is the vent to outside.Previously the fans just dumped straight into the attic. The guy I hired insisted venting needed to go through the soffit. I...
View ArticlePersonal Consumer Issues • Drilling into concrete foundation (for mounting...
You received good advice above so I won't repeat it.HOWEVER, please be sure that the slab into which you plan to drill is not a post tension slab.- If it is an elevated slab, such as in a condo...
View ArticlePersonal Finance (Not Investing) • Financial planning advice
Ditch the financial "expert" they are there to enrich their pockets at your expense.I challenged 2 companies years ago, Meryl Lynch and LP Morgan to a 1 year investment competion I kicked their azz...
View ArticlePersonal Consumer Issues • Rome Hotel Prices
Planning on doing a cruise in Europe in September and staying a few extra days in Rome and I am flabbergasted at the hotel prices. Most 3 to 4 star hotels semi-close to city center are going anywhere...
View ArticleInvesting - Theory, News & General • Advantage to the Boglehead investor
Despite the formidable reputation and skills of investing professionals, retail investors enjoy real advantages over many other market participants.We can accept as a given that information, skill,...
View ArticlePersonal Finance (Not Investing) • First time getting health insurance from...
No wonder people are surprised by $5000 ER bills.No, it's because it is $5000 for stuff that would have been $500 twenty years ago. That is why we are surprised.No, I was doing this 20 years ago. It...
View ArticleInvesting - Theory, News & General • 100% VOO (My Current Allocation) vs....
In The Simple Path to Wealth, Jim Collins recommended picking a random date every year to review your investments and adjust asset allocation. For me I picked May 27, which is my wife and I's...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
It looks to me the cumulative aspect is only cumulative from the beginning of that particular phase of outperformance - which does mean there was some criteria of where that cutoff was. Nonetheless I...
View ArticlePersonal Consumer Issues • At what point do you replace your HVAC system?
If we actually cared about GWP instead of chemical company profits we'd have switched to R290 long ago.I'm still sorry I purchased a R410 replacement system instead of just replacing the leaking coil...
View ArticleInvesting - Theory, News & General • Considering Schwab
Schwab has reasonable MMF's you can buy. You can of course also buy cash-like ETF's that are out there, such as SGOV, ICSH, USFR, etc.I would not use SGOV and similar ETFs (where a share price...
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