Personal Investments • Gifting low basis stock or cash to children
If you wanted to make gifts to your children with no income (student in their 20's), would it make sense to give very low basis stock vs cash so they could sell it up to taxable income of $47K at a 0%...
View ArticlePersonal Investments • HSA question for NJ
I am in a situation where my employer uses HealthEquity for their HSA custodian, and I want to move all my funds(invested and cash) to Fidelity where I have some other accounts. Then I would just...
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Personal Finance (Not Investing) • Question about option trading
I am just trying to learn this particular oneIf I were to buy this option I am buying min 100 shares right? Then the minimum I have to pay is approximately 100x122=$12,200Expiration is December 18,...
View ArticlePersonal Investments • Cash v Stocks when you are income challenged
I’ll try to keep this brief, although I’m not entirely sure how to frame the question. Basically, what’s the point in having a high stock balance if:1) You only feel comfortable spending the dividends...
View ArticlePersonal Consumer Issues • Questions about furnace air filter
I switched from using a Filtrete 1900 to using a Nano Merv 13. I find that the latter is noisier. Does that mean it is more restrictive to air flow or is it just due to the material of the filter? I...
View ArticlePersonal Investments • Money market paralysis
The inversion of the yield curve has caused me a bit of investor paralysis. I’ve held an intermediate bond position for my fixed income portfolio portion for over 40 years. Most recently I traded out...
View ArticlePersonal Consumer Issues • Anyone left California in recent years?
I wanted to hear from ex California residents and see how they like their new state. Pros and Cons and what they would do diffrent.I live in So cal and I don't want to get political on this site but...
View ArticlePersonal Consumer Issues • Vapor barrier and air sealing, I'm a bit confused...
The new-to-us house we purchased has a vapor barrier in the attic, but the attic isn't air sealed. The minimal insulation level is 15-inch, which makes it R50. The house is a two-story colonial...
View ArticlePersonal Finance (Not Investing) • BMO Credit Card
Hi all, Looking for a sanity check on potential renewal of our BMO Wealth Mgmnt Premium Rewards credit card. We received this credit card about 10 months ago as part of BMO’s purchase of Bank of the...
View ArticlePersonal Finance (Not Investing) • Haney Settlement Offer Genworth LTC Policy
Genworth has offered these options to me as result Of Haney settlement. I have until July 27th to make a choice.Option 1 Keep things as they are : $273.00 daily 5% simple inflation 90 day wait 0 day...
View ArticlePersonal Finance (Not Investing) • Hit by a Truck - Disappointing Experience...
Hello Bogleheads,I recently had a frustrating experience with Travelers Insurance and I'm seeking your insights and advice.Situation- My parked car (no one inside) was hit by a large commercial...
View ArticlePersonal Investments • Vanguard web totally useless. Thinking about move to...
I try to sell some mutual fund. The default web setting is a fund trade a time. Use to be full experience. I also can't trade fraction stock or ETF. These are all doable in Fidelity. What's going on...
View ArticlePersonal Investments • Does AA include Emergency Cash and Current Budget?
Kind of a newbie question:Do you include a) emergency cash and b) your current year’s budget in your asset allocation (AA) percents? Obviously as you spend, the AA percent would change on that alone,...
View ArticlePersonal Finance (Not Investing) • Tax Form 8889 (Health Savings Accounts)...
Form 8889 instruction says:If you were covered, or considered covered, by a self-only HDHP and a family HDHP at different times during the year, check the box for the plan that was in effect for a...
View ArticleInvesting - Theory, News & General • I just need help with 2 numbers
Using this calculator:https://www.esl.org/resources-tools/cal ... calculatorWhat do you think are good numbers to expect for the average investor over the next few decades with mild risk for:1. After...
View ArticlePersonal Consumer Issues • Is there a fiduciary problem with the Kahala Nui...
Kahala Nui is a Non-Profit Continuing Care Retirement Community (CCRC). Hawaii does not have adequate regulations that protect residents of CCRC, not like other states such as California.1.The Board...
View ArticlePersonal Finance (Not Investing) • Equitable distribution for 529 excess
Good problem to have, but still a problem…My two children both began college with a fully funded 529 account, each about equal. My son recently graduated, and decided to pursue his Master’s degree....
View ArticlePersonal Investments • Lump-sum Pension Where To Rollover ?
I will soon need to take a non-indifferent lump-sum payout for my pension and there are several options for rolling it over and avoid paying taxes now.Relevant background info:- Don't need the money.-...
View ArticlePersonal Consumer Issues • Builders Risk insurance during major renovation
I'm planning a major renovation for my primary residence. It will require moving out for ~6 months. The work will be fully permitted and performed by a licensed & insured contractor under a...
View ArticlePersonal Finance (Not Investing) • RPM - Roth conversion maximize roth...
Hi,I want to maximize my Roth conversion room. Currently when I do the conversions, in the summary it lists my taxable income, IRA income, roth income.etc and assume it uses this to pay for my...
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