Personal Consumer Issues • How do I get an unbiased assessment of my backyard...
I just moved into a house that has a lovely but complex backyard. There are no imminent issues that we can see, but I nevertheless would like to have someone evaluate it for peace of mind. The problem...
View ArticlePersonal Finance (Not Investing) • Accelerating business building payoff?...
44 y.o. 1.705 million saved for retirement209k saved 529annual savings 90k133k home mortgage debt 2.5% 30 year fixedbusiness building debt 109k 3.8% fixed 7 year remaining on note (monthly payments...
View ArticlePersonal Finance (Not Investing) • EV / Hybrid basics?
I am in the midst of finally buying a solar installation.Part of that is deciding what annual input I want out of the installation.I have extremely detailed records of how much electricity I have been...
View ArticlePersonal Investments • Few questions regarding Employee Stock Options
Hi all - Newbie here on Employee Stock options and I have searched around however I still have few outstanding questions, hoping someone can help shed some insight.Context:I have joined a company pre...
View ArticlePersonal Investments • Pension Plan options
Hello bogleheads, want to consult you all about a choice my wife (recently retired, age 58) has to make. There is a pension benefit from her employer that she has been asked to choose from the...
View ArticlePersonal Investments • 49 - $5M NW confused about Roth Conversion (worth it?)...
This post was prompted after a discussion I had with a wealth/money manager yesterday. I had approached a family friend who is a CFA/CMT as I wanted someone to look over my current finances and tell...
View ArticlePersonal Finance (Not Investing) • HRA and ACA confusion
Hi -- I've searched a fair amount (here and elsewhere) and I'm still unsure about the interaction of my HRA and ACA Premium Tax Credits.2024 is our first year getting Health Insurance via the ACA in...
View ArticlePersonal Investments • Bond Mutual Funds Duration and Maturity Question
Sifting through mutual funds, I ended up looking at DODIX and DODLX which seem comparable in terms of class, goals, investments, YTM, etc. but obviously with some differences. One big difference was...
View ArticlePersonal Finance (Not Investing) • 401k loan or sell from brokerage account
I am currently employed and need $50k in cash to help purchase a home. We own our home without any loans and are buying the new house in cash. We will sell our current home after we move into the new...
View ArticlePersonal Investments • What are the tax implications of a wash sale in a...
[Moved into a new thread from: What Fidelity fund(s) for taxable? --admin LadyGeek]Hello, Newbie here and trying to understand the tax implications for taxable accounts. Can anyone explain what this...
View ArticlePersonal Investments • Exchanging mutual Funds at Vanguard
Boglefriends,Once upon a time, I could exchange fund X for fund Y within my Vanguard brokerage account. This was really convenient for doing tax loss harvesting. But today, I no longer see that as an...
View ArticleInvesting - Theory, News & General • Best book for 34 y o novice about...
Is there a better, and more readable, book to give a 34 y o novice investor as a primer on investing than The Investor's Manifesto by Bill Bernstein?If so, what book and why?Statistics: Posted by...
View ArticlePersonal Investments • help chosing which account to get cash from
US Citizens currently living in FloridaWe are planning on moving to Italy Summer 2025will be living in a town that qualifies for the 7% taxation on foreign income for 10 yearsI am 52 years old and...
View ArticlePersonal Finance (Not Investing) • 529 recontributions not coded as such
For folks who've recontributed to a 529, in the IRS-approved way (college refunds and perhaps similar stuff, recontributed within 60 days), how has your 529 program treated them?We had, across 3 529...
View ArticleInvesting - Theory, News & General • RR episode on passive investing...
For those who enjoy a deep dive into passive investing and its effect on the market, I found this week's Rational Reminder episode to be fantastic. Be warned, though, it's highly...
View ArticlePersonal Investments • Should I do a bridge annuity?
Expected retirement date 10/31/24. Will take survivor SS benefit of $2000 starting 12/24. $700 pension begins 5/25. Monthly expenses $6000. Would like to spend a bit more to add in some travel while I...
View ArticlePersonal Finance (Not Investing) • Senior planning?
At what level of wealth do things like trusts and estate planning make sense?My wife and I are mid 60's, fair to good health and retired. On medicare advantage ppo thru my union.No doubt that a long...
View ArticlePersonal Investments • How best to get rid of my financial adviser?
Hi, first post here. Been lurking awhile as I begin to educate myself about investing and have been appreciative of this board's collective wisdom. I (42M) inherited a financial adviser from my father...
View ArticlePersonal Investments • 529 Witdrawal penalty
Dear Bogleheads Gurus,Quick question: I understand that if 529 money is removed for anything except education there is a 10% penalty + federal and state income tax on the gains.Is the gain considered...
View ArticleInvesting - Theory, News & General • brokerage trade with tax sheltered...
I'm trying to control income to get ACA subsidy. In my brokerage account can I use specID when selling VTI to have a minimum gain or loss, at the same time buy the same $'s in VTSAX in my IRA account...
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