Personal Finance (Not Investing) • Form 709 and airline miles gift
Hi.My wife and I will be filling out form 709 for the first (and likely only) time this year for 2023 gifting. We gave 100k gift to an adult child (and spouse) for a house down payment plus a 20k car...
View ArticlePersonal Consumer Issues • Google Drive not syncing on Android phone
So on the Android phone, I save files to the google drive. Unfortunately, nothing shows up on the cloud side. I think it's because the drive is not syncing to the cloud. I checked around and there is...
View ArticlePersonal Finance (Not Investing) • Should I keep paying for Life Insurance?
I was reviewing my paystub, and I noticed that I pay for Federal Employee Group Life Insurance at $54.00 per month and the payout is maxed at $172,000. I don't recall selecting this Basic FEGLI...
View ArticlePersonal Consumer Issues • Is this Apple's normal business practice?
BHs:I ordered a MacBook online for a store pick up using credit card #1. Later that day, I realized that I was eligible for a discount if I used some of my credit card reward points that I had...
View ArticlePersonal Investments • ETF vs Mutual Funds Security
Is there any difference between them in terms of security?I went with VTI ETF in my CMA because I liked being able to buy and sell on the spot, and I read they are slightly more tax efficient....
View ArticlePersonal Consumer Issues • Customs in Atlanta airport and a few questions
Flying domestic to Atlanta on a Delta Connect flight then to London on Virgin. Booking everything with Virgin.Questions 1 - How much time should we allow for customs? We do not have Global entry but I...
View ArticlePersonal Finance (Not Investing) • House Cost Basis, Capital Improvements,...
I own a house with my wife. The purchase price of the house was $1,000,000, and we have owned it for 20 years. Over those 20 years, we have spent $200,000 on capital improvements to the house. All...
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Personal Finance (Not Investing) • Exess Roth contribution 1099r impacts
Hey Bogelhead gurus! So last year doing my taxes (freetax usa) i realized going back to 2021 that i had over contributed to my roth due to the income limit and didnt catch it. Questions1) How do i...
View ArticlePersonal Investments • Re: Getting Started
Emergency funds: $17,000Debt: Mortgage Principal Balance - $119,826.67 at 4.875% interest rate (no other debt)Tax Filing Status: Married Filing JointlyTax Rate: 22% Federal, 0% StateState of...
View ArticlePersonal Investments • Any reason to track Lots in Tax advantaged accounts?
My hunch is "no" but I'm frequently wrong. I've been tracking lots and specifying lots when selling partial positions in my taxable account, but have ignored that in my tax-advantaged accounts....
View ArticlePersonal Finance (Not Investing) • who pays 401k fees?
Who pays the costs associated with a 401k?Statistics: Posted by fivedots — Wed Jan 10, 2024 1:49 pm — Replies 20 — Views 728
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Non-US Investing • US + EU Citizen - retiring in Western Europe
Hello Everyone - I have just joined this forum, seems there are a lot of very knowledgeable people here! I would appreciate some help regarding the impact of my retiring from work in USA ( in 2027, I...
View ArticlePersonal Investments • Portfolio Review: Age 41 and looking for all the help...
Hello All. What a wonderful forum and great service to provide to people seeking solid financial guidance. For many years I did not have a financial advisor. Around 2012 I hired my first fee only...
View ArticlePersonal Consumer Issues • Do I need a transformer or stabilizer for my...
I had a new Badger LF vacuum pump (model BADGLF2) installed my office last week. Its specs say it operates at a voltage range of 208-230V. The installer measured the voltage at the outlet that the...
View ArticlePersonal Investments • Help on Portfolio
[Moderator note - this is a foillow-up to an earlier thread - moderator prudent]Emergency funds:100kDebthome loan 3.10%school 1.00%boat 4.50%Tax Filing StatusMarried Filing JointlyTax...
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Personal Investments • Too much pre-tax investments vs post-tax?
Hi there - I'm new to the forum and recently I've been struggling to figure out the right balance for retirement funds.As it stands today, I have much more in pre-tax retirement funds (401K, Rollover...
View ArticlePersonal Investments • transferring taxable assets to a SEP: taxable event?
Let's say I have $25,000 in index funds in a taxable brokerage. To reduce my business's taxable income for 2023, I open a SEP before April 15, 2024.If I want to fund the SEP with the $25k, can the...
View ArticlePersonal Investments • Savings Account for Kids that Actually Earns Interest
Hello, we have younger kids who are starting to add money to their savings accounts with the intention of being able to tap into prior to being 18 but but also want to practice good discipline and...
View ArticlePersonal Investments • My Investing Policy Statement
Hi, all.I'm working on my IPS. It's purely for my family's own use. I don't employ an advisor.I have a question about my plans to rebalance my AA. At this point, it's purely academic since my desired...
View ArticlePersonal Finance (Not Investing) • 3 weeks in Italy - how much cash?
Hi all. Have travelled internationally from the US several times, but this trip will be different for us. 3 weeks in one location in Italy (Tuscany). For past 1-week trips, I usually carry about...
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