Non-US Investing • Investing for >70yo relatives
HiRelatives, age 70-75, based in Italy.Used to CDs, but they have gone beyond the threshold, and would prefer to not open too many bank accounts. The bank they're at has trading, and Eurozone bonds,...
View ArticlePersonal Investments • Question about spending in retirement
I have a question about spending our money in retirement. Here is a brief overview of our situation. I am a recently retired fed (FERS) receiving about $2k/month in pension after taxes/healthcare...
View ArticlePersonal Finance (Not Investing) • US Savings Bond Redemptions
[Edited to remove ALL CAPS, per forum policy section 2(b) -- moderator oldcomputerguy]We purchased some bonds many years ago which we will now give to our son to help him purchase a home. The bond has...
View ArticlePersonal Investments • Gifting appreciated stock - loophole?
Hi there,Here's my situation. My child (23) is starting a fulltime job in July and will have under $44k in income during the year. Is this strategy a possibility?Me -> Gift him $18k in...
View ArticlePersonal Investments • 5 Years to FI
Emergency funds: Fully funded for one yearDebt: 1) $141k mortgage on investment property, 12 years remaining @1.9%, mortgage, taxes, and HOA payed by tenant with $4800/year left over as cashflow. 2)...
View ArticlePersonal Investments • Brokerage Transition and Dividends
I noticed today that, within the resolution of how well I can calculate, it appears I was only paid dividends for the portion of June when my High Yield Bond fund was either in my Mutual Fund Account...
View ArticlePersonal Finance (Not Investing) • Does IRMAA mAGI Include CG/Qual-DIV Gains...
In case my title is befuddling ..In future years I'll have post-tax account CG and Qual gains. I will not pay taxes on them because I have losses from earlier years to offset the gains. Iirc, the...
View ArticlePersonal Consumer Issues • Why do Range Rovers have a bad reputation?
BHs:Why do RR's have a bad reputation among car enthusiasts? They look beautiful and I understand they are powerful as well and the only luxury vehicle that is built for off-road and on-road. I do...
View ArticlePersonal Investments • How to decide which Mutual Funds to sell first?
I am wanting to sell out of 2 UITs and 4 mutual funds that I hold from my ex-advisor. All assets are now at Schwab and I am trying to slowly sell these off to keep putting money in my DIY 3 Fund...
View ArticlePersonal Consumer Issues • SATs for test optional schools
Hi Everyone,My Son is a rising senior in high school and has recently completed his first round of SATs and got a 1040. He is an great student with a 3.5 GPA (~3.8 weighted). Most of the schools we've...
View ArticlePersonal Finance (Not Investing) • SS and IRA distribution with tax
Hello I am 58.5 years old and just lost my job. Pleading ignorance here regarding $ and finance hence I am scrambling abit. I am single for what to do moving forward with my plan to live money-wise...
View ArticlePersonal Finance (Not Investing) • My car got keyed....any advice
Got keyed somewhere, not sure were. Front passenger side door. It doesn't look like it's thru the primer. Black metallic paint. Can it be repaired without repaint? Detail person? Wet sand ? Before I...
View ArticlePersonal Investments • Selling Business - What would you do
Hi, thanks for the awesome posts. I have already learned a ton.Selling our business - we don't really want to, but given some factors it's a no brainer to exit.I am estimating to get $5,300,00 or...
View ArticlePersonal Investments • Exchanging Mutual Funds in Traditional and Roth IRA
I am going to simplify my accounts and place my traditional and Roth IRAs in a single retirement account, the Vanguard Target Retirement Income Fund (VTINX). As I approach the time to execute the...
View ArticlePersonal Investments • Withdrawal Strategy - Early Retirement
Hello Community - My DW and I are 35/36 yo. We are potentially on track for early retirement at 50 yo if all works out. Currently, all are in VTI across 3 "tax buckets" accounts. Few questions:1) What...
View ArticlePersonal Finance (Not Investing) • SIMPLE IRA for Schedule C business
I have a SMLLC, i file taxes on Schedule C. No employees. I'm looking at setting up a SIMPLE IRA so that I can contribute more than just using my IRA.From what i've read, contributions have to be made...
View ArticlePersonal Consumer Issues • Fix Electric Kitchen Range or Replace?
I have a 10 plus year old Kenmore standalone range (combined stove/oven) with two burners that have failed, one just recently and one from awhile back. Got it used a few years ago and not sure of age....
View ArticlePersonal Finance (Not Investing) • Deducting Internet Expenses as Business...
I currently take the standard home office deduction. I do a lot of consulting work from home and have a dedicated office.I have not itemized yet, but I spend a ton on internet... Comcast Gigabit X10...
View ArticlePersonal Consumer Issues • Africa Safari with Teenager
We are planning a safari trip in Jul/Aug 2025. Thinking of doing 2-3 days in Cap Town and then 3 or 4 days in Kruger NP. Looking for any recommendations. Info about us:- Budget is up to $5k per day...
View ArticlePersonal Consumer Issues • career advice -- science to medical school?
Hello Bogleheads,We appreciate Bogleheads’ cool-headed and down-to-earth advice on all sorts of topics...Below is another “move or not to move” question. Background: Both spouses are tenured...
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