Personal Consumer Issues • Board Games for Two in 2024
Perhaps there are others on this site who enjoy an occasional board game. My dear spouse and I sometimes find -- when camping, weekend mornings, or just when we want to spend some time together --...
View ArticlePersonal Finance (Not Investing) • Tax Map?
Anyone ever hear the term “tax map” used to describe a strategy to reduce taxes over the course of withdrawals, gifting, and passing on wealth?I don’t have a plan for that at the moment. Does anyone...
View ArticlePersonal Investments • Too much in traditional 401k? Start paying more taxes...
Hi Bogleheads! Really appreciate the community here- we've learned so much over the years.Our traditional 401k balances and pre-tax retirement accounts have grown nicely with the market to about 1.5M...
View ArticlePersonal Investments • What fund is furthest from my IPS? AGTHX or AWSHX
Hello - I have an account where I will receive 1/2 the current value today and the remaining 1/2 in 3 years. I chose these funds 2.5 years ago and assets were moved into a trust load free and placed...
View ArticleInvesting - Theory, News & General • New issue and auto roll Tbills at...
I decided to start moving some of my T-bill ladders from Treasury Direct to Fidelity. I just attempted to buy my first 13 week T-bill at Fidelity. I purchased it under the tab "new issues" but now...
View ArticlePersonal Investments • What to do with low AUM (Assets under management) Etfs
When I first started diversifying into equity investing 5 years ago, I bought in to several equal-weighted ProShares dividend aristocrat/dividend grower funds trying my best to split between...
View ArticleInvesting - Theory, News & General • Does anyone else want interest rates...
I know the market has rallied with interest rates potentially coming down, but does anyone else hope they wouldn't go too low? Certainly not to the near 0 rates we had for a long time. My own personal...
View ArticlePersonal Investments • Help with Mom's Portfolio - Fixed Income
Emergency funds: YesDebt: None, paid off house worth $500kTax Filing Status: SingleTax Rate: 24% Federal, 0% StateState of Residence: TXAge: 79Desired Asset allocation: 70% stocks / 30% bondsDesired...
View ArticlePersonal Investments • Just Did my First Roth Conversion
Okay so I retired last June, have no income other than investment income, and just did my first Roth conversion of $14,600, equal to my standard deduction (will be filing Married Filing Separately for...
View ArticlePersonal Investments • 529 plan with Vanguard
We live in Tennessee and planning to start 529 plan for our 2.5 year old. After researching, Is my understanding correct ?Tennessee doesn't have any state tax and there is no benefit with the state...
View ArticlePersonal Finance (Not Investing) • Missed Quarterly Estimates
It's been a busy year and I've been transitioning from having an accountant prepare my taxes to doing them on my own. Through everything going on in 2023 I neglected to make my Federal & State...
View ArticlePersonal Consumer Issues • Serpentine Belt Replacement
Question for any car experts/mechanics.I had my serpentine belt changed at about 168,000 miles in the summer of 2018. The car now has 190,000 miles, and I was told that the car needs a new serpentine...
View ArticlePersonal Investments • Three fund portfolio - five year retrospective
The three fund portfolio recommends investing in 1. US stock market index 2. International stock market index3. Bond indexI have been following this recommendation without a second thought. However,...
View ArticlePersonal Finance (Not Investing) • Using last years Turbo Tax to estimates...
Is anyone using TurboTax or other tax software to estimate taxes and help reduce taxes for the current year? Now that I am retired, this has been quite value for me in keeping me below the 24% tax...
View ArticlePersonal Investments • Anyone used Etrade 8-digit old account number for...
I am liquidating some I-bonds and want to cash them out and transfer the proceeds from TreasuryDirect to Etrade today.Has anyone used the old 8-digit number recently, and not the new Morgan Stanley 9...
View ArticlePersonal Investments • Financial check-in for 22 y/o working first job out of...
Hi,I posted to this forum for the first time in the spring (as I was preparing to enter the workforce) looking for advice on the best things to do with my first series of paychecks. I wanted to check...
View ArticlePersonal Investments • TIPS:Individual bonds vs. bond fund
I'm 76 years old and invested in an intermediate term TIPS fund, duration ~6.6 years. I'm not sure I want to spend the time creating and maintaining a TIPS ladder, but am interested in increasing my...
View ArticlePersonal Investments • VIAAX vs VTIAX
HiI'm looking for a single international mutual fund for my 3-fund account. I back-tested these two and noted that VIAAX does better overall -- despite similar best and worst years in both. I see the...
View ArticlePersonal Investments • Vanguard Taxable Brokerage Sell Off
Hi All,I have a taxable brokerage account.I need to sell off about $434,000 worth of shares of VTSAX to pay for something.The sell will net me about $124,000 in capital gains, all long term gains....
View ArticlePersonal Finance (Not Investing) • Can VG Settlement fund be a checking account?
Since the Vanguard settlement account allows for free checking usage (I do not believe there is a monthly limit), can the settlement fund be essentially utilized as a checking account? Certainly the...
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