Personal Investments • Implications of student stipend from 529?
Hello, I have a child that will be starting college soon. When I saved for my child's college in a 529 I saved based on estimates which often looked like these...
View ArticlePersonal Investments • Lump Sum or DCA a large windfall
I just unexpectedly received a very large windfall.Should I lump sum it into my asset allocation or DCA over the next 6 to 12 months?My only worry would be to lump sum it and the markets pull back or...
View ArticlePersonal Finance (Not Investing) • Trustee , me and bro beneficiaries -...
Hi y’all . This is for the future as our dad is up there in age. The family home is in trust to me and bro and I’m trustee tooThis might be a stupid question but as a trustee , should I sell the house...
View ArticlePersonal Investments • When to Roth
65.5 years old, MedicareWife 64, ACASS to start in 3.5 yearsNo Roth IRA that will incur IRMAA with RMDI had just about decided on large Roth conversions for the next couple of years to stave off IRMAA...
View ArticlePersonal Finance (Not Investing) • FDIC insurance on trust accounts now...
I just read an interesting article. Effective April 1, 2024 the FDIC capped FDIC insurance on trust accounts to $1.25M. The new rule applies to both revocable and irrevocable trusts. Until now, each...
View ArticlePersonal Investments • Best w2 to 1099 calculator?
Hi,I am possibly switching jobs from w2 to 1099.Currently, the only benefits I take from current job is 401k match and vacation.Is there a recommended w2 to 1099 calculator for estimating an hourly...
View ArticleInvesting - Theory, News & General • InvestSmart
Does anyone have info about InvestSmart? We have some family members hawking this. Looks like a typical managed fund group charging extra/uneeded fees with limited fund options. I guess it might be OK...
View ArticlePersonal Finance (Not Investing) • What's safer: iphone banking app or...
What do you think is safer: using the ALLY or Wells Fargo APP on an iphone, or logging into a bank's website on a PC?Since my primary concern is having my laptop compromised and having session...
View ArticlePersonal Investments • How to research mystery ownership in Canadian...
A deceased (American) relative was a part owner of a Canadian leisure business including land. His elderly widow does not have good knowledge about anything to do with this and does not have any...
View ArticlePersonal Consumer Issues • Airline & Hotel Status: is it worth it anymore?
I am curious how most Bogleheads approach the issue of airline and hotel status these days. I feel like many of them have become “everyone has it, so no one has it”.Prior to Covid, and even for a few...
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Personal Finance (Not Investing) • Vanguard Lockdown techniques? e.g. block...
Any way to lock down my Vanguard accounts, e.g. blocking international wire transfers?I'd like Vanguard to be like a "Roach Motel" - I want my money to check-in but not check-out MikeStatistics:...
View ArticlePersonal Consumer Issues • Athos Insurance for photography gear - has anyone...
Hi all, I searched the forum but see no mention of Athos Insurance. We are about to take out a policy to protect our camera gear with them. I do realize we could include this in our homeowners policy...
View ArticlePersonal Consumer Issues • Golf clubs for kids
Hi everyone, I'm looking to purchase a set of golf clubs for a child and would appreciate some advice from fellow golf enthusiasts. I have a couple of questions:1. What distinguishes the U.S. Kids...
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Personal Investments • Combining Roth Accounts
Is there anything wrong with transferring my original large Roth to an existing smaller oneat new brokerage? You guessed it-V to S : Statistics: Posted by boater07 — Sun May 05, 2024 6:01 pm — Replies...
View ArticlePersonal Finance (Not Investing) • Does my wife need a will?
My DW has a terminal illness. We have no children, don't own a house, and own minimal personal property. Our assets consist of a small joint brokerage account, joint bank accounts, and IRAs. We've...
View ArticlePersonal Investments • 55 and not enough saved, fully disabled wanting to invest
As the headline states, I’m 56, did not save enough (got a very late start setting up a 401K) and unfortunately life happened and now fully disabled. I need to at least double or triple what I’ve...
View ArticlePersonal Investments • Bond Funds in IRA account
My PSA adviser put bond funds in my IRA. He said it is more tax efficient. Does this make sense?Statistics: Posted by PGHunt24 — Sun May 05, 2024 6:43 pm — Replies 4 — Views 149
View ArticlePersonal Finance (Not Investing) • Is this dividend number good enough and...
Without going into the debate of are dividends good or not, my question is about the numbers. I anticipate around 68K in dividends and around 35K in interest payments combined this year. Dividends...
View ArticlePersonal Finance (Not Investing) • Medicare: Wife's automatic enrollment in...
My wife retired at the end of 2023. She started her social security, Feb 2024. She turns 65 this coming July. So of course, due to the social security enrollment, she is automatically enrolled in both...
View ArticlePersonal Investments • Redeeming child's iBonds for private school tuition?
Sorry if this is FAQ. I've seen a number of posts on the subject but was hoping to get a couple of clarifications.Scenario:- I have some iBonds in a linked/minor TreasuryDirect account under my...
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