Personal Investments • Maxing out 403 b v Roth IRA
After the kids grew up and took their child tax credits, I ceased contributing to our Roth IRAs and increased my contributions to a 403b, which does not have the best offerings, to decrease my taxable...
View ArticlePersonal Finance (Not Investing) • Timeline for Medicare B (re)enrollment
Was wondering if others dealing with Medicare enrollment changes are having such a long wait time, now 2 months +.Not a new enrollment; I've been on Medicare for a while. I've left employer's plan as...
View ArticlePersonal Finance (Not Investing) • Banking Advice: BoA, BMO, Chase, Wells, or...
My business accounting software used Yoodle to "sync" accounts, and this week it stopped interfacing with my bank. I've seen some other gripes about this online. Here are the banks that offer direct...
View ArticlePersonal Investments • IRA tax deduction
Hello, all.I'm having trouble understanding the IRS rules for IRAs and was hoping someone could kindly confirm. We are a single-income household. Working spouse participates in their...
View ArticlePersonal Finance (Not Investing) • Joint bank account between father and son
So here is issue. My father is suffering from dementia abroad. I have been joint bank account holder (and his POA) with my father since 2017 (mother passed in 2021). I was able to add annuity proceeds...
View ArticlePersonal Consumer Issues • Car Advice: Unexpected Transmission Issue with...
Wondering if there are any expert car Bogleheads out there.Unfortunately, my wife's mini cooper was just diagnosed with a shot transmission (from a mechanic I've used for years). My mechanic can't do...
View ArticlePersonal Finance (Not Investing) • IRA rollover to 401(k) and Pro-Rata Rule...
Tax question regarding the Pro-Rata rule for a Backdoor Roth conversion.I rolled over my Vanguard IRA (comprised of a rollover from a previous employer's 401k) to my current 401k in preparation to do...
View ArticlePersonal Consumer Issues • New Laptop - OLED screen?
Wanting to replace a 7-8 year old laptop that has 7th generation Intel i7. Most of the modern newer laptops have OLED screens. But I'm concerned if burn in is an issue. I'm not concerned with burn in...
View ArticlePersonal Investments • How to know if robo-advisor TLH will save me money vs...
Hi all,I manually tax loss harvest my taxable brokerage account at Vanguard. Although money is in tax-friendly funds like Total Stock and Total International, I’m still paying quite a bit of taxes at...
View ArticlePersonal Investments • 3-5 Years Before Retirement Check-In
I hope I got everything from the template; thanks in advance.Emergency funds - Fluctuates between 1-3 months expenses depending. Child’s college tuition is paid from this account so it fluctuates.Debt...
View ArticlePersonal Investments • Questions about saving for kid's education from a newbie
Hi all!I am new to Bogleheads - just discovered the Wiki and the forum last week and have learned a lot! I have a question regarding saving for education. We have only one kid - a 5 year old daughter....
View ArticlePersonal Investments • Contribute to Roth IRA and withdraw in an year
Dear friends,I have 27K money now. I am thinking to contribute to Roth IRA (mine and wife's for 2023 and 2024 - 27k) and withdraw when I buying house in this late summer or Fall. I have first...
View ArticleInvesting - Theory, News & General • I-Bonds worth it if you have the...
Hello Bogleheads,I’m wondering what your thoughts are about holding I-bonds if I have access to the TSP G-Fund? I bought my first I-bonds in 2021 when they were all the rage and have continued each...
View ArticlePersonal Finance (Not Investing) • Free Tax USA - Did you convert part or all...
Free Tax USA is asking me this for my 1099R for my 401K Rollover IRA. I did convert it to a Roth. Should I answer YES to this if it was from a 401K Rollover IRA? It doesn't ask at all if it was from a...
View ArticlePersonal Investments • 457b rollover question
Second question if the day but retirement is getting close (5 months). I have a private 457b account and here are the rules that I’m aware of:OPTION A - Receive a lump sum payment 60 days following...
View ArticleInvesting - Theory, News & General • 2024 RMD in-kind on Vanguard?
I've seen a lot of mention of taking a RMD in-kind but has anyone successfully done this on Vanguard?My story: Brokerage platform, 2 accounts one rollover IRA (VTSAX), and another taxable brokerage...
View ArticlePersonal Investments • Wells Fargo 401k Options
I am looking to convert my 401k through Wells Fargo into a portfolio that more closely resembles what Paul Merriman recommends with his 2 Funds for Life or his 4 funds. My issue is, I'm having a hard...
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Personal Investments • US Treasury interest - State Tax question
I wanted to get head start on how to fill out state taxes when it is time.How to input correct information using 1099 form to make sure state taxes are file correctly? FWIW, Vanguard brokerage example...
View ArticleInvesting - Theory, News & General • Announcement vs Auction vs...
I plan to buy some ten year TIPS at auction this month on the Schwab platform. Since I use Schwab I keep my settlement account which has a yield of diddly squat (a technical term) at or near zero. Do...
View ArticlePersonal Finance (Not Investing) • SLAT for Estate Planning?
Curious how many people on this list (who are married and have assets over $25m or so) are creating a SLAT ("Spousal Lifetime Access Trust")?Statistics: Posted by socraticbogler — Tue Jan 09, 2024...
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