Personal Consumer Issues • DIY Cleaning Evaporator Coils ?
It sounds like a band-aid solution (to me) to get the ionizer and not really addressing the problem. Around 99% of HVAC units don't have these ionizers and yet don't have this odor problem. I would...
View ArticlePersonal Investments • Point me in the right direction - 457 plan
Doesn't the NYC 457(b) plan have the 7% guaranteed savings account option? I would pile on to that option more than the stock index options. If I were you, I would not invest in the Small Cap Equity...
View ArticlePersonal Finance (Not Investing) • Fractional Real Estate Ownership - Thoughts?
As you pointed out, vacasa charges a 30% premium. Immediate loss of 30% of your equity.. Ugly. Why not just buy with some like minded friends? I've thought about setting up my own TIC and buying a...
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Personal Consumer Issues • Which down jackets are better/comparable to REI?
I have two more questions please:1. Reading about Polartec fleece, it sounds like its warmth is measured in units like 100 (lightweight), 200 (midweight).Would anyone know which of the following two...
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Personal Finance (Not Investing) • Rounding Third: Portfolio Review, Cash,...
After many early years of poor decisions and, more recently, a few extra years of hard work, taking welcome BH advice, and socking away savings, my portfolio has improved and simplified. I’m rounding...
View ArticlePersonal Investments • Can I retire in 4 weeks?
I believe the rule of 55 applies to all 401k, 403b plans.Under the rule of 55, the IRS permits you to withdraw money from your current 401k or 403b plan before age 59½ without paying a 10% penalty on...
View ArticlePersonal Finance (Not Investing) • Question about IRMAA and lump sum payouts
A family member got the IRMAA letter and its showing a $594 total monthly premium for Part B, which is starting in 2024. He is going on medicare in March of 2024. He retired in 2022 and took a lump...
View ArticlePersonal Finance (Not Investing) • Fed Employees/Annuitants using GEHA, quick...
I worked this out several times for the DC Bogleheads, comparing GEHA Standard to GEHA HDHP. In many tax brackets, GEHA's contribution to the HSA, plus the tax savings on your own contribution,...
View ArticlePersonal Investments • Just saw harsh criticism of Vanguard VMFXX
Can someone fact-check the claims in the following article? I have found that is very concerning for Vanguard to publish misleading numbers or advertisements for their mutual funds. I do not which...
View ArticlePersonal Consumer Issues • Health and Dental Insurance Screw-Up
Does the amount you didn’t pay in premiums those two months offset your out of pocket expenses?Good thought. Dental was about 50% more in OOP costs than premiums saved. I’m not sure exactly on the...
View ArticlePersonal Finance (Not Investing) • Establishing a block savings account for a...
According to who? Regards,The court, apparently. His damages, his settlement. The goal is to prevent parents from taking the money he's entitled to.Statistics: Posted by johan851 — Tue Dec 05, 2023...
View ArticlePersonal Investments • Switching from bond funds to individual bonds - timing...
Interesting discussion. I'm considering tax loss harvesting a bond fund and working with Schwab to build an individual ladder. My only hesitancy is the point raised earlier about management should...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
“Eleanor and Franklin” by Joe Lash.Statistics: Posted by sandburg — Tue Dec 05, 2023 9:45 pm — Replies 7277 — Views 1601754
View ArticlePersonal Finance (Not Investing) • Private High School - worth it?
Yes, if you can afford it. Afford means fulfilling the Houshold Finance 101 requirements:- emergency fund in place- retirement contributions are happening- children's college education is funded or...
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Investing - Theory, News & General • Now that long TIPS have backed off...
Anyone paying attention to the current 10 year TIPS quote?https://www.bloomberg.com/markets/rates ... t-bonds/usI wasn't, but since you brought it up, here is the TIPS yield curve based on Fido quotes...
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Personal Consumer Issues • What are you listening to now
The Guess Who. Listen to this song with headphones on and you can really appreciate all the parts - drums, bass, guitar, and vocals.https://youtu.be/yMG-Mi9I0-k?si=mEXh-mm931vvEQNb You must have ESP....
View ArticlePersonal Finance (Not Investing) • Advice for nephew, 25, raking in that...
Here is the spreadsheet.The spreadsheet and the long list of suggestions is way way too detailed and you are likely to overwhelm him and cause him to miss the main points which can fit on an index...
View ArticlePersonal Consumer Issues • T5 engineering school or in-state T35 with full-ride?
I am going to disagree with most of the comments here. I have a top 5 eng degree, top 5 masters in engineering, and top 3 MBA. There are a lot of folks that say "I went to state school and did fine."...
View ArticleInvesting - Theory, News & General • Warren Buffett's 90-10 Portfolio
Buffett's advice seems fine if you keep in mind that he probably was discussing investing in general, not precise asset allocation as Bogleheads view it. If you only are considering your investments,...
View ArticlePersonal Finance (Not Investing) • IRS underpayment penalty - 8% interest...
What does it mean when they say “the smaller” of at least 90% of the income tax for the year or 100% of the income tax for the previous year. Can’t wrap my head around this for some reason.Calculate...
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