Personal Investments • How to properly fix wrongly titled Roth IRA at...
tl;drI used a small portion of my Roth IRA to buy shares in a startup that later IPO'd. The IPO lockup has expired so I've been trying to transfer my shares away from Computershare but running into...
View ArticlePersonal Finance (Not Investing) • Need Help and advice on Solo 401k vs SEP IRA
My CPA suggested something that sounded off, so I wanted to check with the knowledgeable Boglehead folks here.1. My spouse and I have a company which is an LLC classified as S-Corp. I am the majority...
View ArticlePersonal Investments • Muni bond fund
I decided to purchase two Muni bond funds around the beginning of the year. One has a 7 year duration, the other a 3 year duration. The idea was to diversify from some other investments, plus I am in...
View ArticlePersonal Investments • Switching $1M from FIGXX to tax-exempt cash to clear...
I live in Illinois and have $1,000,000 in a taxable brokerage account.Right now, the cash is in FIGXX (Fidelity Investments Money Market Government Portfolio), which is throwing off too much taxable...
View ArticlePersonal Investments • Build cash reserve, after-tax 401k/Roth conversion,...
Emergency funds: About $240k in cash (savings, money market, brokerage cash). Most of it is earmarked for a home rebuild in progress (details in question 1).Debt: Construction loan, ~$445k drawn so...
View ArticlePersonal Investments • Allocation suggestions for inherited IRAs
Hi there, relatively new Boglehead here, but so excited and empowered to be, as well!I have an inherited traditional IRA and an inherited Roth IRA. Right now, I have them as the same allocation for my...
View ArticleInvesting - Theory, News & General • From TINA to TIGA
"For more than a decade following the Financial Crisis, one acronym embodied the investment landscape: TINA, “there is no alternative.” The logic behind TINA was that the Fed and most other developed...
View ArticleInvesting - Theory, News & General • TIAA Real Estate Surges
TIAA Real Estate increased today by 2.64% or $13.10. I am confident that is the largest one-day change in the three decade history of the fund. I don't suppose that anyone has an explanation? This is...
View ArticlePersonal Consumer Issues • Identifying Pitches While Watching MLB
On MLB telecasts, the announcers and color analysts quickly identify each pitch, the graphics show the pitch's speed, and the camera angle allows one to see pitch trajectory and placement vis-a-vis...
View ArticleInvesting - Theory, News & General • Are General Obligation (GO) bonds...
In a recent thread on muni bonds (viewtopic.php?t=475627, several respondents stated that they limit themselves to AA or AAA general obligation (GO) bonds. My take has always been that when talking...
View ArticlePersonal Finance (Not Investing) • Medicare Access Program
I received an email from Medicare letting me know about the Access program - I was not familiar with it.Apparently, it's a program to assist recipients in managing chronic illnesses - examples:...
View ArticlePersonal Investments • Tax-loss harvesting a municipal bond fund that...
I am considering tax-loss harvesting Baird Core Intermediate Municipal Bond Fund (BMNIX) and purchasing Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX).Vanguard municipal bond funds...
View ArticlePersonal Finance (Not Investing) • IRMAA Brackets
In 2025 I had a large capital gain which put me into the IRMAA brackets. So for 2027 I will have to pay more for medicare part B. My question is: Are the brackets based on the 2025 brackets or will...
View ArticlePersonal Finance (Not Investing) • Can I Retire & Pension vs Lump Sum
Greetings BH Community,I'm mulling over a big decision about retirement and could use your input to ensure I'm not missing anything. There are 2 key questions: Can I pull this off financially now and...
View ArticlePersonal Consumer Issues • Struggling with employee health insurance choices
I hope I posted a picture of choices. The coupe is BCBS. The other two have choices of of 4 insurance companies. Although UHC and Cigna are $1000 cheaper per year, I think BCBS is the better choice....
View ArticlePersonal Finance (Not Investing) • Interviewing after job acceptance -...
Looking for a sanity check here. I am about to start a new job presumably with a documented start date in the next few weeks. Paperwork is nearly done but not 100% locked down (I know this is...
View ArticlePersonal Consumer Issues • Amazon Autos - Hyundai - $1,500 amazon gift...
[Topic is now in Personal Consumer Issues - moderator mkc]FYI - Amazon Auto (Prime Membership) is providing a $1500 gift certificate if you submit by 10/7 and purchase by 10/11. It's only worthwhile...
View ArticleInvesting - Theory, News & General • Nvidia Has $235 Billion of Buyback...
Saw Nvidia’s new buyback numbers, which is $235B but it wasnt the most interesting part.At $228.86, that amount could theoretically buy around 4.3% of Nvidia’s current shares. But last year Nvidia...
View ArticlePersonal Consumer Issues • Tips for unsupported bike ride
Some friends have invited me to join them next spring to ride the B&O/GAP trails between Pittsburgh and D.C., about 300 miles. This would be an unsupported ride, which I’ve never done before. I’m...
View ArticlePersonal Investments • Retirement account for business owner with one employee
I contributed $8600 to my Roth IRA this year. Are there other tax-free retirement account types I'm not aware of?I have a business with one employee. The employee has told me they are not interested...
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