L H

Comments

• Thank you for your instilling the next generation with knowledge that will positively change their family tree forever. My son is a History teacher at the high school level and teaches Financial Literacy also. I am pretty sure that financial literacy will have more of an impact on his students lives than history will

  Post: A Teenager’s Walk Through the Stock Fund Wilderness

  Link to comment from July 29, 2025

• Thank, Dan. I did a Google Gemini search and read that some are great it could turn into a ponzi scam, paying the first investors with the newer investors monies I hope some HD readers with money in YRefy comment with their experiences

  Post: YRefy

  Link to comment from July 28, 2025

• Yes it is. Even though it doesn't sound conservative for a 68 year old couple,it is for us. With enough income to well cover over 100% of our expenses I never plan on buying bonds. I have always planned on growth and believing what has been proven, that the markets take care of themselves as long as I don't over think it

  Post: VG Portfolio Suggestions for Taxable Account

  Link to comment from July 26, 2025

• "Too simple" . I never worry about Too Simple, I worry when I'm not being simple We are both 68 and we are 50% VT (Vanguard World, 40% VTI (Vanguard U.S.) , and 10% VUG (Vanguard Growth)

  Post: VG Portfolio Suggestions for Taxable Account

  Link to comment from July 24, 2025

• We do have some history of dementia in our family tree. My plan is to write out clear financial plans, instructions, and information in a letter. All three of our children will receive a copy of it, to be opened if one of us passes away and the other begins signs of dementia. As always, I appreciate this HD article question and I look forward to responses that may give me a better plan or at the least confirm the plan I have. Admittedly, it is a plan that I haven't put in place. A plan not put in place.... Is not a plan

  Post: Pig Butchering

  Link to comment from July 22, 2025

• How about the Vacation Rental Scam. I know someone that was looking into a big beautiful vacation rental home near the beach in New Jersey. It was expensive but it would be worth it for the family. A text was received with an email address that said everything about the house and that the VRBO fees could be bypassed is a certified check was sent directly. OUCH !!! I admit it was me that got scammed and I'm still learning of VRBO and AirBNB

  Post: How do I scam thee? Let me count the ways

  Link to comment from July 22, 2025

• Being blessed with two S.S. accounts and two pensions I've never considered bonds. Now that I am recently retired, I still don't. But this year after retiring I have gotten less aggressive. I've rebalanced our portfolio into 50% VT (Vanguard World Index) , 40% VTI (Vanguard U.S. Index) , and 10% VUG (Vanguard Growth Index). Until the rebalancing funds I was 50% VTI and 50% VUG. I consider our Social Security accounts and our pensions to be our "bond" type of income.

  Post: Portfolio Shift: It’s Really Different This Time

  Link to comment from July 22, 2025

• We have had our investment accounts with Vanguard for more than a decade. I rarely call for customer service, but when I have they have been helpful. But recently I've run into an issue. On my phone I can't log into their app, but I can on my wife's phone and our Chromebook. When I called for help it seemed as if the only suggestions I received were the same ones I had found when I Googled for help. She was friendly and politely apologized for not being able to find a solution and said we will keep looking into the problem. I expected to be referred to an upper level tech person, but one wasn't offered

  Post: Vanguard Complaints?

  Link to comment from July 18, 2025

• Thanks, Dan

  Post: The High Cost of Financial Advice: A Tale of Two Portfolios

  Link to comment from July 10, 2025

• To quote John Bogle I believe, "you get to keep what you don't pay for", referring to high fees versus low fees

  Post: The High Cost of Financial Advice: A Tale of Two Portfolios

  Link to comment from July 10, 2025