Personal Finance (Not Investing) • IRA Tax Issue [Did IRA recharacterization...
Hi everyone, long-time occasional lurker but figured this forum would have the best advice for my situation.The quick summary is that I messed up in Merrill Edge last year and filled out an IRA...
View ArticlePersonal Investments • Seeking Portfolio and Money Management Advice
All, I am retired from the military and now working as a government employee for six more years(2030). I plan to retire at age 62 based on the early deaths of both parents and a recognition of my own...
View ArticlePersonal Finance (Not Investing) • Wedding gift
Our granddaughter is getting married in a couple of weeks. We plan to give them a cash gift. We don't know how they plan to manage their finances--separately or jointly. They reside in a community...
View ArticlePersonal Finance (Not Investing) • Contemplating Creating a Lifestyle That...
So I was in the weeds on Reddit and stumbled across a couple posts that peaked my curiosity. One said that the best possible AGI for a wife and two kids was $45,000. The poster went onto say how you'd...
View ArticleInvesting - Theory, News & General • Brokerage VMFXX automated monthly...
I would like to withdraw an automated fixed amount, each month, from my VB (Vanguard Brokerage) settlement fund (VMFXX) and deposit the cash into CashPlus. However, I cannot find the mechanism to do...
View ArticlePersonal Finance (Not Investing) • Apple Pay at ATM?
Anyone have a debit card that is in the Allpoint network, works with Apple Pay at an Allpoint ATM? Or at least tap n' pay with the physical card and aforementioned? I'm not referring to bank owned...
View ArticlePersonal Consumer Issues • Kindergarten cutoff date dilemma and annoyance
Bogleheads!My son´s birthday is late in the year, basically a few weeks past the Kindergarten cutoff date in Ohio, which is Sept 30, which will then lead to entrance into elementary school the year...
View ArticlePersonal Finance (Not Investing) • Cost of Inheritable Assets Amendment to...
I am looking for some advice on whether or not the cost that we've been quoted by a trust attorney is reasonable.Context: my wife and I have a prenup in place that keeps inherited assets separate in...
View ArticleInvesting - Theory, News & General • Is S&P 500 Too Undiversified?
With some stocks like Microsoft and Nvidia 6-7% and the top 5-6 stocks sometimes reaching 30% of the index, is the famed index now becoming too undiversified?The index has worked well over the past...
View ArticlePersonal Investments • Wife’s social security on dark web sites. Questions...
We have identity defense free services because certain healthcare and public retirement websites has been hacked (National Public Data Breached 2.9 billion records). We recently received notification...
View ArticlePersonal Finance (Not Investing) • 4 months into 30 year - refi no-cost to...
We're 4 months into a fixed 30 year mortgage at 6.375%. What is downside of a no-cost refi to 6.0%?Statistics: Posted by DarkHelmetII — Tue Aug 27, 2024 11:10 am — Replies 4 — Views 270
View ArticlePersonal Finance (Not Investing) • Life Estate smart decision?
Collective boglethink ahead of time is always appreciated! I WILL CONSULT AN ELDER ATTORNEY BEFORE MAKING ANY DECISIONS. Parents are 88 and 85 yo and want to stay in their house as long as they're...
View ArticlePersonal Investments • Bond allocation in taxable account to FIRE at 50?
Folks,41(M). Want to retire at 50. Current NW is $2.6m. Target FIRE is $7m. Currently holding $1.2m in taxable account. ~14% of NW is currently in Money Market, the rest is VTI + VXUS. Over the next 9...
View ArticlePersonal Finance (Not Investing) • Non-U.S. Citizen: Can I Open a KeyBank...
I received a letter from KeyBank offering a $500 bonus for opening an account. However, I'm not a U.S. citizen, and I want the process to be as hassle-free as possible. Ideally, I'd prefer to do...
View ArticleInvesting - Theory, News & General • 403b vs 457b, which is better?
I was looking my wife's employer retirement plans. She is slated to have a pension, but it looks like she also has either a 403b or 457b. I've done some cursory research into these. A 403b seeemx to...
View ArticlePersonal Investments • Talk me into paying off my debt
I'm 61 and retired. I have about 300k in debt with an average interest rate of 3.5%. I could pull 300k out of my Roth IRA tomorrow and pay it all off. I know the "sleep well at night" argument. My...
View ArticlePersonal Finance (Not Investing) • Insuring Gold
We recently inherited three gold bullion coins, and we’re trying to decide whether to keep or sell them. If we keep them, we will want to insure them.I called the agent where we have our homeowner’s...
View ArticlePersonal Finance (Not Investing) • How to tell if social security number has...
Hi all, trying to help my niece with her personal finance journey. She's trying to register with Equifax. They couldn't verify her social security number (but could find her by name, address,...
View ArticlePersonal Finance (Not Investing) • Fund 529 for grandkids vs leaving $ in...
If there is a thread for this please re-direct but I could not find one! Have 2 grandkids, one just starting 1st grade, the other 2 years behind (and there will be no more grandkids). So, about 12...
View ArticlePersonal Finance (Not Investing) • Leaving teaching for other careers
Hi fellow Bogleheads,Posting to see if any of you or those in your networks left teaching early on in your career for other fields and occupations. I haven’t seen a post of this nature on the forum,...
View Article