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Personal Consumer Issues • [On-going Scams - Post them here]

I have had pretty women Facebook messaging or LinkedIn message me to get overly friendly. I block them. I figure they are either Edward jones salesmen or men isinglass as women my wife has paid to...

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Investing - Theory, News & General • Why stocks went down when Fed cut...

So, the Fed decreased interest rates by 0.5% to 4.75-5%.Someone not experienced would assume that this would lead to a decrease in money market funds yields, treasury yields, and bond fund yields. So,...

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Personal Consumer Issues • Biking from Bolzano, Italy to Prague, Czech,...

Fourth installment:I’m sitting in the lounge of a stylist hotel husking unsalted peanuts (hotel provided) in Regensburg, Germany, a world heritage city in Bavaria (Southern Germany). It’s been a long...

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Personal Investments • At what point do I really need a taxable account?

I would definitely contribute to a Roth IRA, if I could do it at 12% tax rate, even if that meant not maxing out your 401k. Also, using the IRA vs. your employer’s Roth 401k might give you more...

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Personal Consumer Issues • Strategy for flying business class

We only traveled economy until a few years ago but as our savings have risen, we have progressively moved to business class. In fact, we only travel in business class for international and domestic...

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Personal Investments • Building TIPS ladder in Roth IRA in Vanguard...

Please don't put it in a Roth account. You should put the assets that are expected to grow the most (stock funds) in there instead to maximize tax-free growth. You probably don't want it in a...

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Investing - Theory, News & General • Why the love for the 3 fund portfolio?

In addition to lack of efficient tax placement, I don' t Vanguard's default mix of 40% international and prefer to mix my own at 20% of equity. I don't like international bonds at all.Why don’t you...

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Personal Consumer Issues • LibreOffice instead of Office365

What is the free microsoft 365 office?Go to OneDrive (onedrive.live.com) and you can create/upload/edit word docs, excel spreadsheets, powerpoint, and onenote, using your free microsoft account....

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Personal Investments • What Do You Think of These Investments?

A way to think about the tax penalty is that it reduces the interest rate by 10%. So, for example, a MYGA that is crediting 5% would have an effective earned rate to you of 10%, or 0.50%, less than...

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Personal Consumer Issues • EV / Hybrid basics?

The EV’s 120v plug is typically limited to a low amperage.The ioniq 5/6 and kia ev6 appear to be about 15 amps, same as a typical 120V outlet. I wouldn't be surprised if other models are more limited,...

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Investing - Theory, News & General • Ever end your Initial Financial...

I recently used one of the many financial advice websites where they give their opinion on you current portfolio, and help design one that, in their opinion, is better suited to meet your objectives....

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Investing - Theory, News & General • Market all time high - great ! But...

Because inflation is about to come roaring back.There is zero evidence to support that notion.Haha, there is zero evidence to support any answer given in this thread, since nobody knows...

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Personal Investments • Pulling 20K (now 200k) out of my IRA for 1 month for...

Thanks for the discussion. You know while the money is out of my Roth, VTI is going to the moon! lol.FAFO Fool Around Find Out … Well we knew that was going to happen; VTI is up 13 since I withdrew...

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Personal Consumer Issues • Hotel recommendation (or at least what area) in DC

Remember, he who hesitates loses the right of way. Also remember, half the population came from somewhere else in the world and being that they think they are the best and brightest they firmly...

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Investing - Theory, News & General • Blackrock, $35T debt issue -- Noise...

Thanks all.I've proven that I can be sucked into clickbaity stuff as readily as the next P.T. Barnum, uhhh, 'customer' ... it's certainly put me off crypto in a big way.From now on, I shall endeavor...

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Investing - Theory, News & General • Larry Swedroe's latest article on...

Based on this one article (I haven’t read much else from Swedroe) this author is VERY naive when it comes to the private investing world. When the big dogs like Yale and Calpers invest in...

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Personal Consumer Issues • The rising cost of Toilet Paper. Which...

On septic and always used Charmin Ultra-Soft with no issues. I go longer between clean-outs though. I looked into the bidets, but they still don't offer one with the enameled wood seat. Never liked...

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US Chapters • Suggestions for the Wiki

To wiki topic "Tax gain harvesting": https://www.bogleheads.org/wiki/Tax_gain_harvestingUnder "Forum discussions",Suggest adding a link to forum topic, "Using up large accumulated capital loss with...

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Personal Finance (Not Investing) • Does My Elderly Mother Need an A.I. iPhone?

I had visions of enabling my elderly father to do all sorts of great things with the latest Apple tech. All I ended up accomplishing was getting him very frustrated and having him give up.Statistics:...

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Personal Investments • Using up large accumulated capital loss with treasury...

This might be exactly what I need, but I am not at all well versed in these things.For 2024 to date, I have approximately $200,000 in realized capital losses.Is there still time this year to execute...

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