Personal Investments • 15% CDs?
A friend told me the other day that he purchased a one year CD for $50,000 and got a 15% rate. I was astonished and asked him how was he able to get that rate. He said he knows people. Even possible?...
View ArticlePersonal Investments • Exchanging Mutual Funds Question
I am planning to consolidate and exchange both my TIRA and Roth IRA accounts into a single but separate Target Retirement Income Fund (VTINX) on June 28th, the last trading date of June. My question...
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Personal Finance (Not Investing) • House Not Selling- Advice
Hey All,Hoping to get some advice from the community on a Real Estate sale that is coming up on the 6 month mark and giving me headaches. In 2015, I purchased a new construction townhome (2/2) in...
View ArticlePersonal Consumer Issues • Lighting for a (big) deck
We have a ~400 s.f. wood deck, with steps down to the back yard. Just wrapping up a big project of replacing bad boards and restaining, so it should last ~as-is for many years to come.I really like...
View ArticlePersonal Investments • 529 Plan Contributions and Gift Taxes
Can the 529(c)(2)(B) election be made two years in a row? As an example, consider the following hypothetical contribtuions to a 529 plan:$51,000 in 2023$36,000 in 2024Let's say the 2023 contribution...
View ArticlePersonal Investments • Retirement investing/budgeting for a low-rate mortgage
I'm getting our financial house in order to consider retirement - we're somewhere between 8-14 years away.At retirement, we will still have a large mortgage with 10-15 years still to go, but it's a...
View ArticlePersonal Investments • Vanguard's "Tax-Efficient Retirement...
I was contacted by a Vanguard representative about participating in a new planning program they have rolled out, called "Tax-Efficient Retirement Strategy". I didn't find a prior thread about this...
View ArticlePersonal Finance (Not Investing) • 2025 Medicare Drug Costs - maximum...
In 2025, I'll be 65 and starting Medicare.Today I read about the "donut hole" for drug costs here on the forum. I found this on the Internet:Thanks to the Inflation Reduction Act, in 2025 annual...
View ArticlePersonal Investments • funds / shareholder voting
I have a notice to vote on some Board of Trustees for the Fidelity ZERO funds. Is there really a great way to get to know who these people are and make an informed decision? Do you folks feel this...
View ArticlePersonal Finance (Not Investing) • Auto Insurance Situation - non-Renewal
Good afternoon,I have a situation where I insure 5 drivers (3 of which are college students). While we have all maintained very clean driving records, the past 10 months have proven to be an issue....
View ArticlePersonal Investments • Creating Three-fund Portfolio at TIAA
Hello and thank you for the help!I have limited options in a 403b that was just moved from Fidelity to TIAA by the university I work for. I am correcting what they've done by reallocating to the funds...
View ArticlePersonal Investments • Schwab rep hounding me
With the help of some knowledgeable Bogleheads and much research, I was recently able to rework my personal portfolio and incorporate some inherited accounts to match my risk tolerance and asset...
View ArticlePersonal Finance (Not Investing) • Estate Planning with minors
Couple has a testamentary will. Is it better to name the contingent beneficiaries as the minor children, the estate, or testamentary trust? Some investment custodians set up a custodial account with a...
View ArticlePersonal Investments • Making bets on the US presidential election
Is there anywhere in the state of California one may legally make a bet on the 2024 US presidential election?For the mods, this question is not in favor of any political candidate and is meant to be...
View ArticlePersonal Consumer Issues • crawlspace drainage question
Hi all,I have a small [600 square foot] house in the mountains of Colorado with a very damp crawlspace. It's at 9200' elevation, so we get a lot of snow, and during the spring melt the entire slope...
View ArticlePersonal Finance (Not Investing) • What to expect during the 80's?
My mom is now in her 80's. She is remarkably fit. The last time we visited, she did a several miles hike with us. Her mind is not as sharp as she used to be, but she isn't show any sign that she will...
View ArticlePersonal Consumer Issues • Storing Luggage at JFK
Wife and I get into JFK at 2pm then fly back out internationally at 10pm. Any suggestions for storing luggage while we go into the city? I guess we could get a room at TWA hotel but that seems...
View ArticlePersonal Investments • Selling Raw Land without a Broker (Pros/Cons)
Hello BH Nation--here is my situation and looking for advice from those of you with some familiarity in real estate--preferably raw land sales. My family owns a valuable piece of property in NC--Wake...
View ArticlePersonal Investments • Inflation protected bonds?
Late 30s, aiming to retire in 3-5 years with 50xNo pension or annuities>80% of assets in taxable accountsDebt: 15 year mortgage @ 2.125%, ending 2037Desired AA @ retirement55% US20% Int20%...
View ArticlePersonal Finance (Not Investing) • Max employEE contribution to Solo 401k if...
I’m terminating my calendar year Vanguard solo 401k plan in July. Don’t want to move it to Ascensus, and am winding down the income for that in 2025. I’ll have ~$50k in net income between 1-1-24 and...
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