Personal Consumer Issues • Would a $300 mini pc be good enough to play around...
As always, I want answers to the question I'm choosing to ask. I don't want to be told the risks of installing it on my daily-use machine are negligible. Maybe they are, fine, but I don't want to. If...
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Personal Finance (Not Investing) • Tax Year 2026 Cash Charitable Donations
Thank you for clarifying this. I had misunderstood this change in 2026 tax laws to reflect an "above the line" charitable donation. And I had already taken $180 with this in mind.It seems that every...
View ArticleInvesting - Theory, News & General • Total Bond Market Index Fund -- A...
Curious about how much of TBM holdings is made up of AI related debt? If AI companies do not meet expected earnings, how will this affect TBM? Is an AI bubble also a risk to the bond market as well as...
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Investing - Theory, News & General • What's up (or down) with TIPS?
Today we hit new 20+ year highs on the 10Y and 30Y TIPS very early in the trading hours, but it didn't last long, and at this point yields are about flat relative to the close yesterday:The 30Y hit...
View ArticlePersonal Finance (Not Investing) • Estate Distribution Tax Optimization: IRAs...
I'm a co-trustee and successor trustee for my parents' two revocable trusts (Massachusetts), a seven-figure estate. My father passed away recently, so his trust is now irrevocable; my mother's is...
View ArticleInvesting - Theory, News & General • Exponential Wealth - Ibbotson et al
That parallel path consists of putting some of one’s money to work in the capital markets, where the users of the capital provided invent things, build factories, design software,mine for raw...
View ArticlePersonal Investments • 529 Plan as gifting vehicle?
Question: should we just pay the college tuition costs out of pocket directly to the college when the time comes? This would then allow the 529 to continue to grow and then pass eventually to the...
View ArticleInvesting - Theory, News & General • Morningstar discounts at Vanguard
Fidelity allows their clients to get Morningstar membership at a discount, does Vanguard offer anything like that.ÇarolI don't know if Vanguard has any such offer, but have you checked at your local...
View ArticlePersonal Investments • Vanguard Dividend Growth - capital gains 2026
This topic is now in the Personal Investments subforum. Statistics: Posted by ClaycordJCA — Wed Oct 07, 2026 10:51 pm — Replies 5 — Views 306
View ArticlePersonal Investments • Opening and maintaining a Section 530A or Trump...
The phone agent told me that option 3 involves having an online account with the IRS. That alternative is a hard NO for me because IRS forces us to use ID.ME, which requires facial recognition using a...
View ArticlePersonal Consumer Issues • IP address of home computer using...
You can update the address if you want. I forget where the link is.Most of these GeoIP services get the IP from a geofeed.csv that an ISP hosts (or a company) after notification to the GeoIP where...
View ArticlePersonal Finance (Not Investing) • Personal Finance Metrics
Is there something we could or should be doing better? I rely on AI too, but I think what you can do that might be better is to figure out what your goals are and what metrics help you measure if...
View ArticleInvesting - Theory, News & General • Pros and Cons of STRIPS vs. TIPS
What are the pros and cons of individual Treasury STRIPS vs. individual TIPS for a 10+ year holding period?Please assume:Held in a 401(k) or IRAIndividual securities only, not funds/ETFsIntended to be...
View ArticlePersonal Investments • Modifying a TIPS ladder
I set up a 30 year TIPs ladder in June 2024 (at age 64).The bonds are held in a regular IRA.I originally planned to hold to maturity.My understanding is that the recent changes in yields are fully...
View ArticleInvesting - Theory, News & General • 2026 Bogleheads Conference:...
Speakers and ScheduleThe conference will run from 12 p.m. on Friday, November 13, through 12 p.m. on Sunday, November 15. (We’ll release a full agenda at a later date.) A more detailed schedule with...
View ArticlePersonal Consumer Issues • Back up passwords to financial sites
I'm still on an iPad Generation 9 with Lightning port and Home button, and it's the hold up on me switching on Google Advanced Protection Program and FIDO2 on the Apple account. Maybe will upgrade in...
View ArticlePersonal Investments • investment growth using dividends & capital gains
so sorry i was not smart enough to follow some formula or the best way to follow exactly what i should do.i began in 12-5-2003 with $377,604.00 i had saved and and by 10-6-26 i had $5,179,954.00 and...
View ArticlePersonal Investments • 63, Recently Retired - Diversify Now Or Wait Till 2029?
I'm was going to agree with the posters above who say de-risk immediately but...The reason to de-risk is "if you've won the game, stop playing."On the other hand, you have cash to cover expenses until...
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Personal Investments • Roth Conversion planing questions
AustmarToki, welcome to the forum.Tax Rate: 12% / 22% Federal Marginal | 4.0% California Marginal (Effective: ~9.5% Federal / ~1.4% CA Net)The effective rate is irrelevant for Roth conversion...
View ArticlePersonal Finance (Not Investing) • Can a person relax if they see the...
I told him that it doesn’t look like interest rates are going down anytime soon and dividends are the last thing to get cut, especially among the dividend aristocrats, generally speaking. They can...
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