Bogleheads.org

its me and my wife in my family .

i put $7100 for the family plan under a SINGLE HSA account in my name.

is that okay from an IRS/long term compliance perspective or do we need two different accounts under each of our names?

Is the new FHFA fee, Adverse market fee [50 bps refinance fee] still happening? Is so, when? https://www.housingwire.com/articles/the-adverse-market-fee-the-gses-added-to-refinance-loans-is-unwarranted/ https://www.housingwire.com/articles/fannie-and-freddie-ceos-talk-2021-challenges-controversial-5...

Excellent process and summary @presto987 and thanks to others who commented. super duper useful structure. ==== new question and comments below: two new question: 1) during the negotation process and reading the quote, are there *ANY* red flags or sneaky things that I should watch out for? 2) i am c...

Hello friends, i am in California and going to be doing refinancing soon. from all the discussions, i made this final list to go after: LenderFi: https://app.lenderfi.com/p Loan Cabin https://www.loancabin.com/rates/ Loan Depot https://www.loandepot.com/ Owning https://owning.com/ IM: https://www.in...

Hello, I have an outstanding loan for $570K in California. Does it make sense for me to pay off 60k or so to bring the loan owed to $510K for a lower interest rate or are the refinancing rates same for Jumbo or no-Jumbo? If you recommend bringing my loan amount down to $510, when should I pay it off...

Got this from Ally, this morning "Enroll in our Securities Income Program and you could increase your income with shares you already own" their marketing video is here: https://players.brightcove.net/6056665266001/sZn73NhtM_default/index.html?videoId=6154410204001 a few questions: * How sa...

A bad stressful job can kill you. You could lose many years of your life. What value do you put a value on that? That's why zebra's don't get ulcers. Stress can kill: https://www.amazon.com/Why-Zebras-Dont-Ulcers-Stress-Related-ebook/dp/B0037NX018/ref=mp_s_a_1_1?adgrpid=60140738790&gclid=Cj0KCQj...

Hello friends, Does anybody have a recommendation for a CPA who can do my taxes and also advise for investments. Does not have to be, but would be great if they are in California area AND be familiar with the Bogleheads approach to investing/retirement. I have been doing my own taxes, but now I thin...

I can't read the article, but if you plan on altering your stock/bond allocation based on trends, you're going to have to read a lot more articles. Perhaps if you share your particular concerns regarding a flat or inverted yield curve, you will get more specific responses. thanks, sorry about the b...

hey friends, i am trying to rebalance my portfolio according to Taylor's 3 fund portfolio and wondering what impact/risks are introduced because of Inverted Yield Curve trend. should i buy VBTLX Vanguard Total Bond Market Index Fund Admiral Shares at this time? why/why not? should i buy ALL at once ...

For an emergency fund its good to have a combination of both very safe plus very liquid. If you have a large taxable account then a separated dedicated emergency fund is probably not necessary in my opinion. It depends on your risk tolerance, and what allows you to sleep at night. For an emergency ...

Hello David Grabiner, I live in California (have a Fidelity HSA) and was wondering if I should invest my HSA in TIPS or Vanguard Factor Value ETF (VFVA?) that you mentioned. Is there any ETF/fund similar to Vanguard Factor Value ETF (VFVA?) at Fidelity. What's your recommendation between the two? An...

Hi Friends, I see there is a Vanguard HSA: https://personal.vanguard.com/us/whatweoffer/overview/healthsavings I also saw a big thread of Fidelity HSA and seems like the way to go here. Any reason why no one is talking os using the Vanguard HSA? It is worth getting it? What are pros/cons? Cheers, Ty

thanks mc2, i will start a new thread on this. makes sense

Thanks guys, here are my current choices in my 401K plan. My need to fill it up with as many bonds as possible. Which ones do I pick that's low expense but serves my purpose? I was thinking of picking Vanguard Target Retirement Income Inv (VTINX) ER 0.12% . It's 70% bonds so it kinda gets me started...

Thanks ruralavalon! If you had a choice between Vanguard Target Retirement Income (VTNIX) and Metropolitan West Total Return (MWTRX) -- US bonds (good fund but expensive) in your 401K, which one would you pick and why? I am learning here so everyone's patience is appreciated :) Best Regards, Tyler

We recently were consulting a financial advisor for our overall financial planning. We were looking to invest some money ($110K) in a taxable account vs having that money in the bank. logiclife: Total stock market index funds are very low-cost, and extremely tax-efficient. You can easily tax-loss h...

Regarding question (f) See my response previously to Duckie. If you have access to VTINX in your plan with lower expense ratio, and the only pure bond fund is MWTRX, use VTINX as an indirect holding of your bonds in the portfolio. Just multiply the amount being contributed to VTINX by 0.7 to get at ...

are you referring to the 401K as a taxable account? this is held in a 401k account. I'm saying that since you have a large amount in a taxable account where you don't want to use balanced funds, using balanced funds in the 401k makes things complicated and therefore drop VTINX. << Sounds like a pla...

I am planning to add Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) to my portfolio. Which account should I buy it from? 401K, Roth IRA or my taxable stock trading account? Other options in my 401K include the below, but I want to skip MWTRX. Vanguard Total Stock Market Index (VTSAX) -...

Thanks Duckie and Lakpr, this is great feedback, still reading it and trying to turn it into action: Let me first take your advice on my 401K. I see several issues: TRBCX costs 0.72%. VTSMX costs 0.14%. Sell TRBCX. << OKAY VTSMX holds everything in VFINX. You don't need to hold VFINX, too. Sell VFIN...

thanks lakpr, this is very useful. So your overall asset allocation should be 50:20:30 US:International:Bonds. What do you mean here? Do you mean 50% stocks, 20% international (what does this mean?) and 30% bonds? Which Vanguard index funds do you recommend to hold each of these? Maybe this will giv...

Hello Friends, I am a new member and have been learning so much just in a few weeks! So, thanks for being such a smart, engaging and helpful community. Here is my data so far. Please ask me any more questions if needed. Happy to answer and clarify. :happy ----------------- Emergency funds: Yes, Thre...

I'm a little different than most folks on this site, I use individual corporate bonds (A rated and above), Treasuries, and CDs, all in a ladder that goes through the next 7 to 8 years. You'll see mention here and in the field to it as a "Liability Matching Portfolio", and I used corporate...