Bogleheads.org

RJ5

who knows i'll let the markets decide i am 100% VTWAX in tax advantaged and 60% VTSAX + 40% VTIAX in taxable (rebalance once a year to match VTWAX) That's what I do. I can't imagine what info I could find that the market doesn't already know. Bingo. I have 0 control over the markets, so I'll own th...

RJ5

who knows

i'll let the markets decide

i am 100% VTWAX in tax advantaged
and 60% VTSAX + 40% VTIAX in taxable

RJ5

**This work from home thing is not going to stick. People weren't enduring 1/2 hour to 1 hour commutes 250 days a year because no one thought of anything better. In 2 years companies will have gone back to in-person. MAYBE there might be an increase of 10% in WFH. It's not so much that your co-work...

RJ5

in my area, single family homes that were going for 380K's in 2018 are now selling for $550K and above. one that has a 2 story addition just sold for $700K. the one with 1 story addition sold for $650K. the small single family twin homes that sold for $220K's in 2018 are now selling for $340K. the m...

RJ5

There is A LOT of cheap money floating around out there, A LOT And it's bidding up the prices of every asset class (and new assets which I had never heard about until recently) It's not just stocks, real estate, bitcoin....people are bidding up Pokemon cards, Michael Jordan rookie cards or any sough...

RJ5

mid 30's 53% is in VT or VTWAX depending on the brokerage 35% is in rental property equity 12% is in cash (will be buying another rental property soon) i know i am heavy in real estate, but i kind of developed a knack for duplexes and quads. after the next one i will probably take a break and focus ...

RJ5

if she doesn't know what she is doing. tell her to bring it all to Vanguard and just dump into the Vanguard Digital Advisor. It has the same ER as the target date funds. then she can do research on how to manage a 2 or 3 or 4 fund portfolio herself. once she is comfortable, she can end the Vanguard ...

RJ5

I have the following "emergency funds" : 1) Physical cash emergency fund of (1) month of basic expenses + 2) Personal emergency fund, 12mo of basic expenses (this is despite having a stable career-permanent classification federal job). 1% interest + 3) a $10,000 emergency fund for each of...

RJ5

standard par for the course

RJ5

HDHP.

RJ5

No bonds for this millennial

RJ5

I hold Vanguard PA muni bond fund in my taxable brokerage account. The shares were inherited. I've just let it be, and all kickoffs are re-invested into the fund. I pretend that it doesn't exist, nor do I even notice it being there since I'm a PA resident so I don't pay PA tax on it either

RJ5

JupiterJones wrote: ↑Tue Jan 12, 2021 10:16 am Barkeeper's Friend?

^^^ Thos

Barkeepers Friend helped me restore a burnt stainless steel pot. nothing else worked

RJ5

I have been banned from selling on eBay for lifetime. This because I canceled too many orders from accounts that were recently opened and had zero ratings. My listings clearly said in all capitals that I would do so. I took this an action after getting scammed by a buyer with similar attributes. So...

RJ5

Political Pilgrims by Paul Hollander

RJ5

Every brokerage is going to push their advisor services on their customers now that index funds are approaching 0.00% or in some cases, are already there. The difference with Vanguard, is that I may have to deal with a random email or a random pop up here or there. Contrast this to Schwab online. Wh...

RJ5

To be clear, I'm just trying to model the value of the FERS annuity and associated SS supplement. I'm aware that health benefits also kick in some scenarios but not others, and that's a big deal, but I'm not worried about including that complication. Thanks. Most folks rely upon the pros (corporate...

RJ5

I am probably the most boring investor, in his wealth accumulation phase and don't require anything complicated. I don't even have a 3 fund portfolio. I just throw money into VTSAX in a Vanguard Roth IRA and taxable brokerage. It's automated, and I don't need anything else from Vanguard or their web...

RJ5

I will be interested to hear what others have to say on this I have a family member whose MSFT holdings also have spiraled out of control to the point of becoming a massive tax liability and also being incredibly overweight in MSFT now. I guess it's a good problem to have, he can't complain. But it'...

RJ5

This same scam was used on me. The buyer's account wasn't new, it was an established dormant account that was hacked. Buyer claimed the power tool was defective, requested return. I had to approve. Buyer shipped item back. Item was delivered, yet nothing was delivered to my PO box. This is where bei...

RJ5

Move to Portugal

$2.5 Million, in my opinion, will not be enough to live on for the next 50-60 years in the USA, with no other source of income

RJ5

Hold the gold

RJ5

I don't know about the rest of the Bogleheads, but I couldn't care less about check writing from a Vanguard account. I write checks from my credit union checking account and get decent interest (currently 1%) to boot. Why are you keeping cash at Vanguard? Regards, Yeah I really don't understand tha...

RJ5

my last rental property was bought with cash. it was an estate sale. on day 1 of showings, 26 people showed up to look at it, that's how competitive it was. i provided current statement showing proof of funds of my offer. i waived all contingencies. i put in a 2 week close which is the bare minimum ...

RJ5

I use Ally for checking and transactions For my emergency fund of 1 full yr of expenses, I hop around to different banks each year for the promos. I usually do 2 or 3 bank promos a year Then once I've exhausted all bank promos, I can sometimes go back and repeat promos with the same bank. When not d...

RJ5

i paid with a snail mail check in 2020, certified first class. it reached the IRS no issue, certified proof of delivery problem is the IRS hasn't cashed it. it's been 3 months. IRS is saying it may take up to 20 weeks to process the check now and just to keep the proof of delivery in case a problem ...

RJ5

Federal employee here (Dept. of Interior). I just switched from a non-HDHP to a HDHP (GEHA) during this past open season, and could use some help clarifying a couple things: 1) My HSA account has been established (via HSA Bank), however, my HDHP is effective as of Jan 3rd, 2021. Since I was not cov...

RJ5

HSA Bank is "ok". a bit clunky but other than that, i don't even really deal with them much. they make you keep $1,000 balance, anything above you can auto-sweep to TD Ameritrade for investing. been doing that for a while, I just dump it all into Vanguard's total stock market index (VTI)....

RJ5

1) best follow what it says 2) see above 3) HSA contributions are made in MyPay. They take effect much more quickly than the slow-arse TSP election changes. HSA Contribution changes in MyPay take the same amount of time to process as an Allotment change. side note: you made a good choice going with ...

RJ5

unless the #'s are phenomenal despite the price inflation we are seeing now (along with the inflation in construction costs of both material and labor due to demand), i am not touching any new real estate deals right now. the knife is off the table but hasn't begun to fall yet unless there is a solu...

RJ5

from one Fed to another....heck with those numbers I'd already be out and enjoying life. ha! or have you not reached MRA yet? It is not mathematically possible to have an MRA abovr that age with that high a pension. i meant to say minimum required service not minimum retired age, my mistake. theore...

RJ5

from one Fed to another....heck with those numbers I'd already be out and enjoying life. ha!

or have you not reached MRA yet?

RJ5

investing long term in the Zero funds means they are retaining your investments, since they know you cannot transfer them out without selling
for many who get deeper and deeper into these funds, selling and creating a taxable event is out of the question.

i prefer not to dabble in that game.

RJ5

In my opinion the U.S is going to need to figure out the housing situation otherwise we will end up like places like Germany where 5% of the population owns 50% of the housing. The price/sqft of new homes hasn’t changed much in over 50+ years Americans just want bigger and bigger homes because they...

RJ5

"Americans just want bigger and bigger homes because they’re not financially literate, and think the home is an investment" As someone who is involved in real estate, this isn't exactly what is driving the direction that homes have taken. Builders need to make a profit, and since the price...

RJ5

Everyone has a different need for emergency cash. Some may literally need it to be cash, as in paper currency, within arms reach ready to go on any moment's notice. Think people who have been displaced due to natural disasters. In the last major hurricanes of years past, your credit cards were worth...

RJ5

I can name at least half a dozen online high yield savings accounts paying 8x-10x what a 3-month treasury bill is paying. just to name a few: Chime Bank 1%, First Foundation 1%, Live Oak Bank 0.7%, Simple Bank 0.8%, Vio Bank 0.76%. creating some online savings accounts to at least get some interest...

RJ5

another option i stumbled across T-mobile Money via Customer's Bank. 4% on first $3,000 and 1% on anything above that FDIC insured $250K All customers earn 1.00% Annual Percentage Yield (APY)* on all balances regardless of their deposit activity. T-Mobile wireless customers with an eligible postpai...

RJ5

another option i stumbled across

T-mobile Money via Customer's Bank. 4% on first $3,000 and 1% on anything above that
FDIC insured $250K

RJ5

I can name at least half a dozen online high yield savings accounts paying 8x-10x what a 3-month treasury bill is paying. just to name a few: Chime Bank 1%, First Foundation 1%, Live Oak Bank 0.7%, Simple Bank 0.8%, Vio Bank 0.76%. creating some online savings accounts to at least get some interest ...

RJ5

the last 6 months have shown the importance of diversification i am a firm believer of doing everything Having some form of W-2 wage income Do Index investing either through accessible 401K, IRA, or Roth IRA, etc Have some cash flowing real estate Maybe even a side hustle that generates some cash flow

RJ5

Maybe I missed it, but do you have a good disability insurance policy? Yes, my apologies for leaving that out, that's the MOST important insurance. I just edited my post the Federal Government FERS retirement system has a disability insurance benefit component built into the system 60% of your sala...

RJ5

It sounds like you've got the right idea and are asking good questions. It seems that your passion is rental properties, and that can be really lucrative. However, keeping a lot of cash while you wait and hope for a good deal to come up seems like your largest opportunity cost, and what you're tryi...

RJ5

You are doing well and you do not need a Financial Advisor, but I would recommend simplifying your finances. 1. Payoff the car loan tomorrow. 2. Increase your 401k contributions. 3. Consolidate E*TRADE into Vanguard. 4. Consolidate your savings/checking accounts. 5. Consider paying down some of the...

RJ5

Age: 35 yrs old, not married and currently single, 0 dependents Background: STEM degree, started career at age 22 after graduation. College sweetheart life plans fell apart with her resulting in a slew of unexpected relocations, settled in Northeast for the long term. Have worked in private and gov...

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