Personal Finance (Not Investing) • Home renovation - financial sourcing question
We are planning to stay in our home to grow our young family, anticipating to keep us here another 15+ years. We would like to build an addition off our back area creating a 200-250sq foot sunroom....
View ArticlePersonal Investments • Tax Efficiency of AVUV vs. Emerging Markets vs. Total...
Hi,Having some confusion about tax efficiency. Per Chat GPT, if one is in highest income tax bracket total international would be preferred in taxable account, followed by AVUV and then...
View ArticlePersonal Consumer Issues • Shokz Openrun Pro vs OpenFit Air
Hi everyone. I have Shokz Openrun Pro and love them and of course lost them. I'm looking for headphones 90% for exercise, mostly running and less hiking, and 10% for phone calls. I was very happy with...
View ArticlePersonal Consumer Issues • Exercise programs for longevity
The best investment is in one's health.I've been doing CrossFit for the past 20 years, but not sure if it's best for my health at 40+ years old.Can you recommend exercise programs for...
View ArticlePersonal Finance (Not Investing) • Can anyone explain what this guy was...
I went to a "financial pitch in exchange for a steak dinner" thing on Tuesday. Theme of the night was something about "security in retirement" and started off with a good thing or two about "sequence...
View ArticlePersonal Finance (Not Investing) • Pay off Credit Card Statement Balance or...
We recently put a large amount on our credit card for home repairs. If I just pay off the statement balance I can at least use the "float" with funds in TTTXX for another month for the next statement...
View ArticleInvesting - Theory, News & General • Roth conversion ladder
So I’m contemplating early retirement (somewhat forced due to a layoff). I have over a million in various traditional accounts. Here’s what I’m thinking:Annual expenses 110,000 (98k fixed, 12k for...
View ArticlePersonal Finance (Not Investing) • Citi Personal Wealth Management cash bonus
Hi Bogleheads, new member here.I have some ESPP from my prior employer that is currently at computershare. I recently received a notice from the employer that due to my severed relation with the...
View ArticlePersonal Investments • Annuity Single Life vs Lump sum advice
WWYD: at age 59, $203K lump sum or $1,300 monthly single life fixed?I modeled a return of 4% with $1,300 monthly withdrawals and the fund lasts 18 years. 6% gets it to 25 years.Aside from simple math...
View ArticlePersonal Finance (Not Investing) • Trust vs Will
Is there any reason we would need a trust? Everything I read says the best benefit is to avoid probate. I also read that no retirement accounts go in a trust. We would not put our other investment...
View ArticlePersonal Consumer Issues • 2FA apps & passkeys
Looking for help with a question on the setup for a (proprietary) 2FA app from my broker. New to using 2FA, so please bear with me. When installing the app, it wants you to use the existing phone pin,...
View ArticleInvesting - Theory, News & General • Buying treasuries on fidelity
I click on the New Issues in the fixed income bonds section.I see there's a Treasury zero coupon maturing 9/26/2024, expected yield 5.269When I click on it it says 3rd party price 99.307One bond is...
View ArticlePersonal Investments • TIPS Vs Bonds
I wanted to understand the pros and cons of holding TIPS Vs Bonds in the fixed income portion of my asset allocation. TIPS seem super safe. But do they provide an income at all? Or is the capital...
View ArticlePersonal Consumer Issues • Capacity sensor for buried propane tank
Next month we're having a 500 gal LP tank buried in the yard to serve a new whole-house generator. The installer, who doesn't provide propane but rather only installs tanks, tells me the gauge will be...
View ArticlePersonal Investments • Keep muni funds even though I’ll be in 22% or 24%...
I expect to be in the 22% bracket this year, maybe 24%. I live in NYC and expect my state and city marginal tax rates to be 6% and 3.876%. 2025 fed tax bracket will be 22%. Purchased shares of VNYUX...
View ArticlePersonal Finance (Not Investing) • Extra payments to the IRS
Is it possible to send the IRS money aside from your W-4 with holdings? I'm a federal employee.My dividends are starting to get pretty large(relatively) and I'd like to pay in so I don't have to pay...
View ArticlePersonal Investments • Do We Need to Contribute More to 529 Plans for Private...
We are a dual high-income household with two kids, ages 11 and 7. We plan to cover 100% of their college expenses, including room and board, at a private university. Currently, we have $185K saved in...
View ArticlePersonal Finance (Not Investing) • Compensation of physician owner of...
Looking for guidance from any physician owners involved in "friendly" prof corps, aka associated with a management services org (MSO) to be in compliance with practice regulations.Generally, there...
View ArticlePersonal Finance (Not Investing) • dependent child starting job; what health...
24 year old, dependent child living with parents (household of 3). Family using ACA plan.Child is starting new, full time job, with health insurance available. What are the considerations regarding...
View ArticleClik here to view.
Personal Consumer Issues • People who sell on ebay to improve their financial...
I don't understand how sellers can justify their time dealing with a platform like ebay. It's mind boggling. How is this being fiscally responsible?Let's say someone has the option to sell clothes on...
View Article