Personal Investments • Seeking Advice: Put Cash Reserves into Market Now?
I'm 51, male, single, don't own a home anymore (live in a rental apt), have a stable job, salary around $255k, live in HCOL city. Approx. $1.5M in 401k (max out every year), $36k in Roth (started...
View ArticlePersonal Finance (Not Investing) • should I convert most of my pretax savings...
I am 62 nd plans to work till 70. I have about $175K in individual traditional IRA and $400K in my contribution in pre tax 403B which can be converted in Roth. My employer's 403B contribution $150K...
View ArticlePersonal Finance (Not Investing) • Individual 401k to Employer 401k Rollover
I have an individual 401k with Vanguard with ~$60k in pre-tax money it. Vanguard is closing their small business and individual 401k practice.A few points to understand-The account will move to...
View ArticlePersonal Consumer Issues • Emergency Fund Question - VGSH
Hello, looking at splitting up emergency fund a bit more to maximize yields over time:- 1/3 VUSXX Money Market Fund - already invested- 1/3 IBonds - current funds I have in IBonds are already past the...
View ArticlePersonal Finance (Not Investing) • When FEHB is secondary to...
I'm interested in the experiences (good and bad) from those that have an FEHB plan that wraps medicare and if you've ever had any issues where medicare had paid their 80% but FEHB denied their 20$ and...
View ArticlePersonal Consumer Issues • HVAC maintenance contract still worth it?
Hi all. We've had a HVAC maintenance contract with our service provider for many years -- twice annual check/cleaning (supposedly) maintenance visits and 10% off repairs (with some qualifications)....
View ArticlePersonal Investments • Why use vg advisor services
Why use/pay for VG Advisor managing a basically 60/40 portfolio, whe I could simply put everything into a 60/40 etf like their VBIAX?I used to be a big fan of VG but I don't really like their current...
View ArticlePersonal Investments • Covered Call flow at expiry
Hi I sold a covered call (at the start of this week), the expires today (i.e. it is now expired) - Premium $2 - Strike Price $100finance.yahoo.com shows on the stock ticker details below- the price...
View ArticlePersonal Consumer Issues • 3 row PHEV recommendations
We are in the market for a 3 row SUV that is a PHEV. Criteria for us are reliability, safety, and then luxury in that order.We are considering the Lexus TX 550H+ and the Volvo XC-90 recharge.Any...
View ArticleInvesting - Theory, News & General • Reporters doing story on borrowing...
Reporters at The Wall Street Journal are writing an article about people borrowing money from their 401(k) accounts to help afford a home down payment. Anyone who has done that recently or considered...
View ArticlePersonal Finance (Not Investing) • Money Market Dividend question
Hi Fellow Bogleheads, For Money Market funds in brokerage account such as SPAXX or VMFXX, I am seeing the distribution is at on a particular date of the month. For simplicity assume on the 1st of each...
View ArticlePersonal Investments • Using multiple Small and Mid cap funds to cover market...
I've been researching the different indexes for small and mid caps and have found that theres quite a significant difference between what the indexes consider to be in the small and mid cap range, and...
View ArticlePersonal Investments • Holding Place for Emergency Fund
Looking to get some feedback and insight into what the best option may be for our emergency fund monies. We are looking to place between 60-100k into a holding account where we can:1) have relative...
View ArticlePersonal Consumer Issues • Wanting to buy the house next door
The owner of the house next to us passed away, we want to buy the house. There are no heirs. The owner has lived there since it was built about 40 years ago. There is a mortgage on the house, I do not...
View ArticlePersonal Investments • Another TIPS Ladder Question
56 year old hoping to retire next year. Overall Asset Allocation around 70/30 split about 50/50 between taxable and pre-tax. Kids' college is paid/funded and mortgage soon to be paid off. According to...
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Personal Investments • New here, some questions
Hi all, reading a lot of good information here I am 60 years old, living in SF CA, no mortgage, no car payments, all kids done with college and out of the house,rental income around $4000 Self...
View ArticlePersonal Finance (Not Investing) • Confused about form 8606
I put money into a Roth IRA from 1998 to 2014 which was the year I retired. I've never filed a form 8606. Most of those years I used a tax preparer but I don't remember him ever mentioning form 8606....
View ArticleInvesting - Theory, News & General • Vanguard Treasury Buy Amount Limit?
Probably easier to ask this with an example (amounts rounded for simplicity, I realize the math may be $1K aggressive, please put that aside)? TIRA with $210K in cash reserves and nothing else. I...
View ArticlePersonal Finance (Not Investing) • Help! The IRS sent me a letter that I...
I just received a letter from the IRS stating that in 2021 I received a $12,000 distribution from our traditional IRAs and did not report it on my taxes. They want me to pay them a $8,500 penalty.Of...
View ArticlePersonal Consumer Issues • I fell in love (sigh), didn't want to, but I did...
Hello all,I have a 2011 diesel E class which I love and want to get it to over 200,000 miles. I bought this vehicle because the dealership was between my home and work. It's a great vehicle....
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