Personal Finance (Not Investing) • Can I take a tax deduction for...
I'll keep the background brief. I bought a car earlier this year and many months later, it turned out to be a stolen vehicle that had a duplicate VIN from another vehicle. The police towed it away and...
View ArticlePersonal Finance (Not Investing) • 529 Changes coming from 2024
From 2024 new changes allow unused funds to convert to Roth. How will you change your strategy of saving in 529?https://www.forbes.com/sites/kellyphill ... bc20f35563Quick question I have is : Can it...
View ArticleInvesting - Theory, News & General • Bonus dividends from Fidelity Total...
Both my FZROX and FSKAX paid their expected dividends on 12/15/23. They then proceeded to distribute dividends again (much smaller amounts) on 12/27/23. I don't recall seeing this before. They are not...
View ArticlePersonal Investments • Life Strategy Fund in taxable account
My son is looking to invest some money to grow for 5-10 years. He doesn’t know much if any about investing. I am recommending a “set and forget” type fund like Vanguard Life Strategy (Moderate or...
View ArticlePersonal Investments • Is it too late to tax-loss harvest?
I checked my Vanguard account and discovered a couple stocks I have that are down significantly. (What a pleasant surprise...) Obviously I should have been more diligent, but if I sell them today,...
View ArticleInvesting - Theory, News & General • Borrowing via box spreads - is use...
Box spreads have come up a lot on this forum as a way to borrow funds.The pro is that the rate is cheaper than margin.The con is that selling a box spread generates a 60/40 long term/short term...
View ArticlePersonal Investments • Asset Allocation Question
Hi Bogleheads,I'm currently looking for some advice regarding my current asset allocation. I'm a bit concerned that it doesn't have nearly enough in bonds. I've never considered myself super savvy or...
View ArticlePersonal Finance (Not Investing) • Taxing of social security, should you pay...
My wife will be filing for SS at FRA on 1.1.24, is it better to have taxes withheld monthly from her check or pay at years end, or from a financial standpoint, does it really make any difference? I...
View ArticleInvesting - Theory, News & General • Tax Gain Harvesting in a Simple Trust?
My spouse has a simple trust that was left to her that includes a Brokerage account, Traditional and Roth IRA. The trust's income consists of non-qualified dividends from the Brokerage account and...
View ArticlePersonal Finance (Not Investing) • Need NAIC Home Inventory software for...
I have used the NAIC (National association of Insurance Commissioners) free Home Inventory program for over 15 years. Found it very useful. But I just went to do an inventory update, and find that the...
View ArticlePersonal Finance (Not Investing) • For avoiding monthly fees of checking...
My checking account requires direct deposit of x per month to waive the monthly fee. I'm thinking about setting an "auto withdrawal" from vanguard to achieve this. (Vanguard Home > Transact >...
View ArticlePersonal Investments • Investing for my parents in their 70s
Hello,My Mom (who is 71) has expressed interest in investing. My father who is 75 is indifferent and just does what my mom wants. This is the first time they have expressed an interest in investing,...
View ArticlePersonal Finance (Not Investing) • Permits, property taxes: A peculiar Bay...
Thought I'd turn to the Bogleheads for sage advice. I own a 2k sq ft home (2 1k sq ft stories, on top of each other) that is recorded as a 1k sq ft home in the county records. This bothers me, even...
View ArticlePersonal Finance (Not Investing) • Ways to help child to buy first house?
We have more than we need for retirement. Would like to help a very responsible and completely trustworthy child to buy her first house. She has a steady job and good income. Besides giving her cash...
View ArticlePersonal Investments • back again for portfolio review
What do you all think about my portfolio at this point? I have made some changes since last time I posted, but I'm still slowly trying to figure things out. emergency fundsyesdebtnotax filing...
View ArticlePersonal Investments • Inhereted RMD help...today?
My wife inhereted approximately 16k total (in two mutual funds) from her mother, who passed away on 5/27/23. Her mom was 90 when she passed. Does my wife need to take out any RMDs for her mother this...
View ArticlePersonal Consumer Issues • Selling my timeshare
After nearly 30 years of family vacations and exchanges, we'ved decided to sell our timeshare for about what we paid for it, around $4k. The broker at the resort informed us that hurricanes on the...
View ArticlePersonal Investments • Venting about 401k admin fee
I have my 401k setup to the lowest expense ration fund available in the plan, but my calculated admin fee is 0.55% on all assets per year. This pains me especially because several years ago when we...
View ArticlePersonal Finance (Not Investing) • Charitable Donation of Stock
Simple yes or no question.Can I donate stock from an IRA to a charity without it being considered a distribution? I suspect no, but wanted to ask.Thanks!Statistics: Posted by Cosmicpony — Fri Dec 29,...
View ArticlePersonal Investments • Vanguard Annuity - what to do with it?
I have a non-qualified Vanguard variable annuity that Transamerica now manages. I invested $104K in it in 2013. Today, it is worth $170K. I know that we are paying higher fees than if it were in our...
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