Personal Investments • Selecting funds for a Solo 401k
Hi, Bogleheads! I'm so grateful for you! Please forgive the long post, but I am quite knew to this and would very much appreciate your advice.I am brand new to this site; just read the Bogleheads...
View ArticlePersonal Finance (Not Investing) • RMD withholding to eliminate estimate tax
I recently heard a Ed Slott interview where he talked about a client that withhold 100% of their RMD for taxes. I have been directing my mom to pay estimate tax but she keeps complaining about having...
View ArticlePersonal Investments • What to do with $200,000 inheritance?
Hello,I am 24 and about to begin law school. I will not be working while in school and have planned on taking out CoL loans while I'm here. I'm anticipating at least $150k in student loan debt by the...
View ArticlePersonal Finance (Not Investing) • Considering purchasing a new house. What...
I had my first primary residence for 3 years.Bought it right after covid for 300k and now its around 450k.My monthly expense (mortgage + home insurance + property tax) is $1350/month and I can rent it...
View ArticlePersonal Consumer Issues • Cheap dog prescriptions
We're in the process of rescuing a 5 year old Coton de Tulear. I am hoping not to take the dog for annual vet visits unless I have reason to believe something is wrong with him but want to treat him...
View ArticleInvesting - Theory, News & General • Warning: Must Re-Designate...
I have a Vanguard solo 401(k) transitioning to Ascensus, and noticed this item in the transition FAQs. Just thought I'd pass it along for anyone who may have missed it.Will I need to redesignate my...
View ArticlePersonal Investments • Request for retirement review
I am planning on retiring the end of this year, but I am nervous. Are we financially ready? We will have medicare with a supplement.Age- 66.5, DW 65Immediate Income- My pension $17,560 with COLA (...
View ArticleInvesting - Theory, News & General • Inherited IRA: subsequent beneficiary
I have a beneficiary (inherited) IRA at Vanguard. My wife is the primary beneficiary.1 Under current rules, if I die, can she establish her own beneficiary IRA and roll everything over from my...
View ArticleInvesting - Theory, News & General • Tax-efficient fund placement, with...
Greetings,Is there something like the https://www.bogleheads.org/wiki/Tax-eff ... _placement that also considers the difference between pre- and post-tax accounts?This flowchart treats Traditional and...
View ArticlePersonal Investments • Please Critique: Investment Strategy with TIPS
AssetsAges 65.5/64$5.5M tIRAPost tax large enough to cover all Roth conversions until start of RMDSS benefit from age 69 > living expensesNo long term debtOwn home$400k MYGA @6.1% in IRA for next 4...
View ArticlePersonal Investments • Sell Treasury Note before maturity?
Some background: I am 63.5 yrs old and hope to retire at 65 but not sure I will make it all the way to age 65 due to problems at job. I have been cutting expenses and funneling as much income $ as I...
View ArticlePersonal Finance (Not Investing) • Building credit for a minor
I read the WSJ article regarding adding a minor child as an authorized user on a credit card to build his/her credit history. I did that for my 15 year old child as I have 850 FICO. But did it on my...
View ArticlePersonal Consumer Issues • Understanding the US Retail business
Hello All,I'm currently working on a project that needs me to understand the retail business in the US. Where would one start? I'd like to understand consumer behaviors, how retailers make business...
View ArticlePersonal Finance (Not Investing) • tenancy in common (property taxes)
If a house is owned by one individual, and they add another person as TIC with 20% ownership interest, what would happen to the property taxes? Would it be completely reassessed or only the 20%...
View ArticlePersonal Consumer Issues • Bipass Closet Door Parts
We have older closet doors that are basically two particle board panels with some kind of metal trim border. I am trying to replace that metal trim but Home Depot, Lowes, and Ace don’t carry it. Does...
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Personal Investments • Portfolio Review
Emergency funds: $70k (or about 6 mos. expenses, we do include this in the bond/cash AA, VMFXX)Debt: Primary Res ~1.3M after tax equity and ~$340k left on mortgage, 17y remain at 3.75% rate, $2,130/mo...
View ArticlePersonal Consumer Issues • Why is Safari so slowwww lately?
I've been having trouble with online speed lately - computer choking up requiring rebooting, etc. measures. It occurred to me it might be the browser (I have a Mac Pro), so I switched to Chrome and...
View ArticlePersonal Investments • Rolling a traditional and Roth 401K
Currently I have a 401K that is mostly traditional but also has some Roth 401K funds in there. About to join a new employer and will need to roll my current funds elsewhere. Wondering if I have to...
View ArticlePersonal Investments • Help with where to stary investing for spouse
Hi everyone, I'm new here and am looking for some suggestions.My wife is interested in starting additional investments outside of her work 401(k)s. She currently has a very solid 401(k) plan and has...
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Investing - Theory, News & General • 10-year equity premium 1793 - 2023
I’ve had good experiences at Bogleheads sharing papers I’ve written and getting feedback.At other times I like to reverse the sequence and get feedback from the forum on a key finding before writing...
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