Personal Consumer Issues • Calculating a "true" SAT average...
Interestingly, the President of Dartmouth just announced that it is going back to requiring ACT/SATs for admission. Link to NYTimes article on this. Very interesting. My perspective is from helping to...
View ArticlePersonal Consumer Issues • Buying a used car: what's your limit?
Good to know. My experience with American cars is limited to rentals a few times per year for many years. I have found late model low mileage American sedans to be inferior in most ways to a 10 year...
View ArticleInvesting - Theory, News & General • Collecting Social Security at 62...
3.5 % real is a pretty high discount rate for modeling. Open Social Security generally uses the real yield of the 20yr TIPS, currently around 1.9%. Higher discount rates favor earlier claiming. 20yr...
View ArticlePersonal Consumer Issues • Sleeping struggles with two people one bed
Many years ago we shared a queen. Then, we found we were more comfortable with more space, so we switched to a king. Now we have two independently adjustable twins on a king frame, but are shopping...
View ArticlePersonal Finance (Not Investing) • Bought the wrong house - Sell now or later?
I find it semi-humorous that you don't like the house but your wife does and you are saying that there is 100% certainty you'll be moving.Ha. Now that you mention it, that is pretty funny and rather...
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Personal Finance (Not Investing) • Best bank for international ATM withdrawals
WellsFargo reimburses fees at our status level and gives a great exchange rate. Even multiple fees in one day. Everything is free at WF.How do you get these refunds? Do you have the money sitting in a...
View ArticlePersonal Finance (Not Investing) • Have you had your address used fraudulently?
This is the first time this had happened and hopefully the last.Probably an error in the way the database was polled to link the person's name with "an address". I'd simply write "no such person" on...
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Personal Investments • Checklist: Moving from VG to Fidelity
Unfortunately Vanguard messed up all the cost basis sent to Fidelity and have to deal with this now What Vanguard has done is sent over the lots correctly (Purchased date and Quantity) but each lot...
View ArticleInvesting - Theory, News & General • The new "Bogleheads on...
Transcripts are now available at BogleCenter.net: https://boglecenter.net/bogleheads-on-i ... pisode-66/(Thank you, Jeremy Zuke!)Statistics: Posted by Jon Luskin — Mon Feb 05, 2024 11:49 am — Replies...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Has anyone done a CPC bonus lately? I have had appointments scheduled at two branches and for whatever reason I was told that Chase doesn't offer full-service brokerage accounts that clients have full...
View ArticleUS Chapters • New Chattanooga, TN Local Chapter
You have enough to get a Local Chapter started. The only thing you're missing is someone stepping up and agreeing to be the Local Chapter Coordinator. That person doesn't have to be an investing guru....
View ArticlePersonal Finance (Not Investing) • Looking for advice to save for home...
...We just bought a house at the end of 2023 for $695k. Remaining mortgage balance is $591k at 7.5%. I am estimating the addition/renovation will cost $500k but that’s likely on the high side and...
View ArticleInvesting - Theory, News & General • Why No Love For BND?
I completely understand why people are upset about TBM and BND being recommended as 'safe' when we had a quick upward move in rates, but there were definitely people on this board (if you read enough)...
View ArticleInvesting - Theory, News & General • TIPS Ladder Spreadsheets in General...
Awesome, thanks again, Kevin.Statistics: Posted by Prudence — Tue Feb 06, 2024 12:07 pm — Replies 164 — Views 44059
View ArticleInvesting - Theory, News & General • Isn't rebalancing tax inefficient?
Context: taxable accountIf I sell the asset up to buy the asset down, I incur an early capital gains tax. Isn't the objective of taxable accounts to defer gains as long as possible, otherwise you...
View ArticlePersonal Consumer Issues • So what are you cooking
Just curious, for the people who work full time, how do you find time to cook? I used to be a stay at home mom but since couple years ago, I work full time. I struggle with finding time to make home...
View ArticlePersonal Finance (Not Investing) • Form 8606 question about $1 tIRA...
Thanks for catching my error on Box 2--yes, I have now changed this to $1727. But it doesn't change the $1 basis problem, which is a result of TaxSlayer only using 3 decimal places. I will see if I...
View ArticlePersonal Investments • Is paying off a 2.99% mortgage always a bad idea?
My last refinance (after having done several) was a couple years ago when I got 2.0%. Very soon thereafter, savings/CD rates shot up to 4-5% and have been there ever since. No way am I paying off my...
View ArticleUS Chapters • Are any BH's not wealthy?
Let me suggest that for someone who is steadily contributing to their retirement savings accounts, the effect of compounding will kick in later in one's working career. Don't be too concerned about it...
View ArticlePersonal Finance (Not Investing) • Career Advice
Since you sound like a relatively recent college grad one thing you can do is reach out to Career Services at your alma mater to see if any counseling is still available to you. At many colleges...
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