Personal Finance (Not Investing) • Basic requirements for a trust to be...
On 2, I was thinking of allowing the child as trustee of their own trust to distribute to themselves from the trust at their option for HEMS.Yes, on 4 and 5 I meant the child to have that option and...
View ArticlePersonal Investments • Overpriced simple IRA, annual rollover to trad IRA?
Very helpful, thank you both.Statistics: Posted by invest0 — Fri Jun 28, 2024 8:23 am — Replies 3 — Views 207
View ArticlePersonal Investments • Best Retirement Calculator
Thanks everyone. This is very helpful. I am still 4 years away and didn’t want to it if I didn’t have to buy will consider it now as it seems worth it. Anyone familiar with Root Financials new...
View ArticlePersonal Investments • Help me understand why Vanguard target date funds...
Aha! It never even occurred to me that the changes could be related to aggregate amounts resulting in a lower ER. That makes a ton of sense. Thanks Bogleheads!Statistics: Posted by funyun — Fri Jun...
View ArticlePersonal Consumer Issues • My Humana Medicare Advantage plan might pull out...
"My Medicare Advantage Plans Contract With Medicare Isn't Renewed"What can I do?- Join another Medicare Advantage Plan or Medicare drug plan.- Switch from your Medicare Advantage Plan, Medicare drug...
View ArticlePersonal Consumer Issues • Best Place for New Car Batteries w/Installation
One convenience thing when changing batteries is if they put a battery tender on the car while changing out the battery. This keeps that status in the car computer and may save presets in the radio if...
View ArticlePersonal Finance (Not Investing) • $500k is all it takes to have a...
Considering most parents have their children sometime in their 20's, I don't' think most couple have an extra $500,000 to put aside for their children.Was my first thoughtStatistics: Posted by FIRWYW...
View ArticleInvesting - Theory, News & General • How risky is interest rate risk in...
<SNIP> Does anyone know why they are not available?Probably the same reason inflation adjusted annuities in the U.S. are not available - demand/interest is low. When TIPS rates are negative why...
View ArticlePersonal Investments • Online personal finance course for teens?
Coachd50- Definitely not my goal. I’m hoping by doing a variety of accounts (short term-allowance, intermediate term (UGMA), and long term roth IRA) that I can help to give her an education. People...
View ArticlePersonal Investments • Asset Allocation - Do You Include Cash?
From 1994 until well into the 2000's, Vanguard showed its LifeStrategy all-in-one funds as containing three asset classes, "stocks," "bonds," and "short-term reserves" which were close to cash-like....
View ArticleInvesting - Theory, News & General • How often to rebalance when you are...
We have auto-reinvested/accumulation set. Spend using a credit card and a week before that bill needs to be paid off sell enough of whatever asset is most above its target weighting to cover that...
View ArticlePersonal Investments • TIPS Purchase Discrepancy
Thank you for the explanation, I knew BH was the place to go. One follow-up, why does my Treasury Direct account show a balance of $200,000 instead of $204,220.71 given that I had to pay more and the...
View ArticlePersonal Finance (Not Investing) • [Credit Card reward strategies at Costco]
We dropped the executive membership because our recent years spending didn't cover the upcharge. Your mileage may vary.That's really all that matters, if you're getting more than $60, then executive...
View ArticlePersonal Finance (Not Investing) • After 401k and Roth IRA, what's next? 457b...
I would not use the non-governmental 457, especially in the 22% tax bracket. There is little deferral benefit at 22%, you don't need more deferral benefit because you are doing enough already, and the...
View ArticlePersonal Finance (Not Investing) • In the event of a frozen pension...
My experience is that companies go through a progression of changes as they get rid of pensions. Mine dropped pensions for enhanced 401k for those with less than a year. Then they cut health care for...
View ArticlePersonal Consumer Issues • Encroachment reveled in land survey at purchase
You recognize this is a huge risk, yet you don't want to rock the boat with the sale. This is a seller problem, and IMHO, I wouldn't move forward with the sale until seller corrects the issue. Sales...
View ArticlePersonal Finance (Not Investing) • Career Advice for a Young Professional
You might find this story interesting and helpful:https://esimoney.com/millionaire-interview-406/Statistics: Posted by Horton — Sat Jun 29, 2024 8:28 am — Replies 6 — Views 759
View ArticlePersonal Consumer Issues • What’s the catch with “Pay in 4”
In all* cases for me, these “buy now pay later” offers do not qualify for the credit card’s rewards, so the hidden fee would be not getting 2% back from a 2% cashback card for example.* the only...
View ArticlePersonal Finance (Not Investing) • 4.5M house…can we afford? What to do
Assuming the house is expensive because of land value then buy it. You only live once and your kids will enjoy it. As others have said, I wouldn’t recommend buy hundreds of acres with a 10k sq foot...
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Personal Investments • Vanguard Dividend
This is the first time I've seen equity funds post in the following month - odd but won't change the tax reporting so ...Makes me wonder why Vanguard is making this unprecedented (seems like) move. If...
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