Personal Investments • moving to schwab from vanguard, or maybe to fidelity
i “grew up” financially in vanguard. i was invested frugally and cautiously for the long haul before i knew what was a boglehead. my first, only and longest ira was in vg wellington. after early...
View ArticleBogleheads Community and Local Chapters • Suggestions for the Wiki
It was suggested I post here in viewtopic.php?p=8879391#p8879391I think the terminology ‘constant duration’ (and to a much lesser extent ‘declining duration’*) are somewhat misleading on the wiki page...
View ArticleInvesting - Theory, News & General • "TIPS: Safer Than They Seem"
The article mentions lifetime real spending power and "annuity-equivalent" wealth. Shouldn't the article address the lack of longevity insurance?Then one can buy longevity insurance with future dated...
View ArticlePersonal Finance (Not Investing) • Year end distribution for Vanguard Active...
Is this different from the usual Preliminary capital gains distribution estimates, that comes out in about a month, and covers data up to Oct 31? and the Final estimated year-end distributions that...
View ArticlePersonal Finance (Not Investing) • Roth Conversion - paying taxes
I've filled out the form several times and I can assure you filling out Form 2210 didn't take 4 hours...heck, I doubt doing my entire taxes in TT took 4 hours!Congratulations and Thanks for sharing...
View ArticleInvesting - Theory, News & General • What's Been The Best [Financial]...
Bought Apple in 2012. It is 15x now. Still holding on to it.Smart. I have seen a lot of people own Apple and do quite well with it and it has actually made some people I know wealthy and let them buy...
View ArticlePersonal Investments • Are we on track for early retirement?
That would be a January 1, 2029 retirement for both of us. Any thoughts?Sounds, calculates, and looks good.If you can tolerate your jobs, consider working until March or April 2029 (build more...
View ArticlePersonal Consumer Issues • Tesla Model Y
Hope you are ok! The cameras are a huge plus. I had an aftermarket dash-cam but those seem to fall off, break, or have exposed wires. Probably depends on install method and price/quality of the...
View ArticlePersonal Finance (Not Investing) • The New Mexico Bronze Plan Health...
In particular, my question is ultimately how does ACA reconciliation work when the underlying subsidy that was not taken doesn’t seem to affect the insurance premium for the plan chosen by the...
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Personal Investments • VT vs. VTWAX
I can panic either way with an ETF or a Mutual FundAnd I'm a lazy phlegmatic slug either way. Statistics: Posted by 22twain — Mon Oct 19, 2026 12:04 am — Replies 6 — Views 425
View ArticleInvesting - Theory, News & General • No equities allow higher withdrawal...
Why take equity risk for a lower withdrawal rate?A 70-year-old has $1m.Current TIPS yield roughly 3% real. A 25-year TIPS ladder at 3.08% real supports about $58,000 annually, inflation-adjusted,...
View ArticlePersonal Finance (Not Investing) • AI for income tax return
AI thinks it knows more than it does. Perhaps ChatGP etc but most of my experience is with Google's Gemini. Ask a tax question and it will get answers from Reddit not the IRS. I can't even get the IRS...
View ArticleInvesting - Theory, News & General • Vanguard Bringing Back Flagship...
This seems new - Vanguard will now reimburse other firms' transfer fees.https://personal1.vanguard.com/pdf/vtfr.pdfBut this bit seems dumb:If a reimbursement is made to an IRA, Vanguard will report it...
View ArticlePersonal Finance (Not Investing) • Early Retirement in Today's World
If you're worrying about the uncertainty of the world and its impact on your portfolio, maybe a 90% stock allocation is too risk-on for you?If I were you I'd think deeply about my asset allocation. As...
View ArticlePersonal Finance (Not Investing) • 48 y.o. - ok to retire?
Maybe? It could work fine but it's not a slam dunk.The biggest question marks I see initially are:1. if you considered taxes ($300K spend is a lot more in pre-tax. For example if you lived where I do,...
View ArticlePersonal Consumer Issues • Spam text in 2026
* On your iPhone/iPad, Apple's Lockdown Mode is actually really quite excellent. I have it enabled on my iPad. I've read that it's been effective against some actual nation-state malware and hacking...
View ArticlePersonal Consumer Issues • You Can Teach An Old Dog New Tricks [adopting...
SuccessesI got my Baby Boomer mom/stepdad to switch from expensive cell phone plans with the big carriers like Verizon/AT&T/Sprint/T-Mobile and go to Mobile Voice Network Operators (MVNOs) that...
View ArticlePersonal Consumer Issues • Does this sound expensive for tree cutting services?
Any dangerous or one off job is always more money then you expect or even want to pay but that is their line of work which is why they charge seemingly outrageous numbers.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Budgeting app you can trust
I feel we need to budget . Tried writing expenses, but it just requires too much work. Why do you feel the need? What do you hope to gain? I believe budgeting is like dieting. It might work for some...
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Personal Investments • I Need Guidance: Determining How Much Income to Earn...
It is probably better to, during open enrollment, to input an estimated income above the 400% FPL, and then if, come tax time, you ended up earning under the 400% FPL, fill out the ACA reconciliation...
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