Humble Dollar

Humble Dollar

The Humble Dollar column covers personal finance, long-term investing, retirement planning, and wealth management, offering users practical perspectives on financial decision-making.

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Does Vanguard Know Something?

Does Vanguard Know Something?

I recently received an email from Vanguard informing me they're updating the prospectus on a developed world fund I hold with them. The change relates to concentration

Automatic Income stream? How important to you?

Automatic Income stream? How important to you?

There is a slowing growing movement to offer annuities within 401k plans, mostly through target date funds. They purchase the annuity gradual starting around age

When to Leave Your Portfolio Alone

When to Leave Your Portfolio Alone

I used AI as an editorial assistant to help organize and refine my thoughts; the underlying ideas and personal experiences remain my own. Rebalancing sounds simple

Lessons Learned Along the Way

Lessons Learned Along the Way

At every stage of my life, I picked up at least a tidbit of knowledge that helped me when I moved on to the next step. Here is some of the curriculum from my school

The cost of foreign taxes on returns

The cost of foreign taxes on returns

In February, Guindy Sam wrote about taxes on foreign dividends and taxes, and I decided to quantify the issue using data from the index provider MSCI. Quick reminder

The Price of a Cool Pillow

The Price of a Cool Pillow

If you don't already know, I live in Ireland, not exactly a country you'd associate with scorching heat. Because of this, Irish homes have never needed air conditioning

Billy’s Certificate – 1937

Billy’s Certificate – 1937

My great aunt survived the San Francisco earthquake of 1906 with nothing. We know this because she wrote a letter to my grandmother in Kansas asking her to sell

Remember the shopping cart fiasco Last November? Regular HD readers do I’m sure.

Remember the shopping cart fiasco Last November? Regular HD readers do I’m sure.

This morning I was at a high school graduation and one of the speakers-head of the BOE-started her speech by relating a local news story about an elderly lady photographed

Four Walls

Four Walls

Several years ago I listened to Requiem: The Story of One Sky by Dimash Qudaibergen, an internationally acclaimed singer from Kazakhstan whose music often explores

The Solitaire Solution

The Solitaire Solution

Here's something that will either comfort or disturb you: the mathematical technique underpinning your retirement strategy was invented by an unwell mathematician