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GBTC-Grayscale Bitcoin Trust goes up 23.14% while BTC-USD, Bitcoin is down -0.34%. That is nuts!

I read a few articles saying a 60/40 has performed nicely for almost 20 years but that the future returns of equity and bonds will be much lower. Low yields from bonds may not be sufficient to keep up with inflation. The suggestion is to allocate up to 40% of portfolio to high-yield bonds...

I am thinking about paying for medical expenses with a credit card to earn rewards and then reimbursing yourself from the HSA. Are there any disadvantages?

T-Mobile offers two military unlimited plans with tax & fee included. Are there any other hidden fees? https://www.t-mobile.com/cell-phone-plans/military-discount-plans

Our allocation has been about 50/50 (equity/Fixed-income) since 2009. In retrospect, if we had invested 100% in the S&P 500, our portfolio would have been 50% larger. Obviously, hindsight is 20/20. Nevertheless, I am satisfied with the return of the 50/50 AA. Shifting to a higher equity level...

Yahoo quote has not been working over a day or so. Does anyone have any luck of downloading data from the following site? http://finance.yahoo.com/d/quotes.csv?s= This is the response: Sorry, Unable to process request at this time -- error 999

Seems to be a good deal: 1.05% APY for online saving from GE Capital Bank. https://www.gecapitalbank.com//savings-products/online-savings.html?cmpid=ag-GECB-UYB7148379 do not see any gotcha - any comments?

TurboTax Charges $20 for MN state e-filing. Why spend $20 for e-filing instead of $1 for postage fee via mail return? The only advantage is that you might be able to receive the refund faster.

Have you received your PenFed CD 1099-INV? I am still waiting for it to complete the tax return.

One possible way to reach FI early is working as a software developer or manager in Silicon Valley according to some of the discussion at What is the average savings of a software developer in San Francisco area? - Quora Despite well-known high-tech compensation in the Bay Area, some of claims...

Let's image that you have received an offer from a company (XYZ) that you left a year ago. The offer is the same as your current salary at another company (ABC). The offered salary is only 2% over the previous salary at XYZ, however. It seems reasonable to ask for a salary that is at least 6%...

An article by Yesim Tokat, Ph.D. from Vanguard recommends 10-15% of international holding to emerging allocation. A lots of postings in Boglehead forum shows 40-50% because EM is cheap relative to developed markets. Gus Sauter (ex-Vanguard chief investment officer) says that he allocates 100% of...

I am contemplating on opening a brokerage account (in addition to our regular accounts) in order to purchase Vanguard ETFs (e.g., VTI, VXUS, VWO) as opposed to their admiral mutual fund counterparts. The primary reason is the ability to trade without restrictions even though the number of trades...

In anticipation of low return from bonds, have you bumped up your equity allocation? We are currently at 40/60 (equity/fixed-income) but thinking about increasing the allocation of equity to 50%. It's true that motivation for a change is heavily influenced by recency of stellar equity return...

Out of curiosity, what percentage, if any, of your portfolio is allocated to the health care sector (other than that from the S&P 500 or Wilshire 5000)? This sector seems very attractive in return and risk. Back in 2008, the health care sector was down a little bit over 20% compared to the...

What's an appropriate allocation to health care sector (e.g, Vanguard Health Care fund) within the equity portion of a portfolio? I understand that sector bet may not be prudent, but the health care sector has been performing well and the decline (-21%) is less severe than that of the total...

PenFed has notified us that our card would be replaced to prevent fraudulent charges. Did you received a similar notice?

Would you accept a director level engineering position for a 30% increase in pay when you are already FI and ready to retire in 2 years? The responsibilities include overall software development of a robotics system, supervising 10 to 12 senior engineers, and coordinating with other functional...

We have 30% allocated to cash for almost two years. As the S&P 500 continues to rise, we are starting to question the shift to cash. For those who have a large portion of their portfolio allocated to cash, are you having second thoughts (or regrets)? I know it's a silly question since we...

Received an invitation of a per-qualified VISA Black card. The annual fee is $495. :facepalm: Is the provider of the card actually expect many people to sign up? Have you received such invitation? If so, have you signed up and why?

DD has been accepted to Stanford and U of Wisconsin (Madison) for graduate study in computer science. UW - Madison (ranked #10 - US News) offers fellowship (worth about $18K per year) + tuition remission while Stanford (ranked #1 - US News) offers NOTHING. The tuition at Stanford is $42,000 per...

Here's my scenario: DD's Scholarship: 16,000 Qualified Education Expenses: 12,000 Report method #1: Since the amount of scholarship is greater than that of qualified education, part of scholarship will be taxable, which is $4,000 (16,000 - 12,000). She will report $4,000 as income. Her...

Let's supposed that you receive an offer to get into an engineering management position with a start-up company, but the pay is similar. You are only a few years (< 5 yrs) from retirement, working for a mega-corp with a pension (albeit small) in a comfortable environment as a technical lead...

Has anyone thought about consolidating funds? It seems to be a good time to combine funds of overlapping sectors/markets into a couple of funds, e.g., Vanguard World Index ETF (VT). As for me, the capital gains would be minimal because of the recent market downturn.

Has anyone refute the accuracy-related penalty or interests charges from the IRS? We received a letter from the IRS stating that we did not include income from a 1099-B from the brokerage house (CitiCorp). It was a honest mistake since they never send us any statements or 1099-B. The income...