Personal Finance (Not Investing) • Should I distribute trust income and...
[Title edited to remove ALL-CAPS per policy section 2(b) - moderator oldcomputerguy]I am the successor trustee and sole beneficiary of a complex irrevocable trust. I plan to distribute all trust...
View ArticlePersonal Investments • Roth IRA 5 year rule - What about additional earnings?
[Moved into a new thread from: Roth IRA 5 year rule, what if I move Roth 401 K to an existing Roth IRA --admin LadyGeek]Check out this extremely handy & informative chart- it will answer all your...
View ArticlePersonal Finance (Not Investing) • No-state-income-tax states are not good...
Read this subject line in another thread. I have always assumed the opposite. We currently live in a no income tax state and are considering relocation to another no income tax state in retirement....
View ArticlePersonal Investments • Which equities to sell first when concerned with ACA...
We are retired at 60 and 62 with an ACA credit and I'm struggling a bit with the best approach to sell equities when rebalancing or just for retirement spending. It seems to me that any attempt to...
View ArticlePersonal Investments • Elderly Parent's Transition: From Property Wealth to...
I'm assisting my late-70s, widowed parent in selling their $1.6M home and moving into their rental condo. This move will liquidate about two-thirds of their $2.5M net worth. I'd welcome your advice on...
View ArticleInvesting - Theory, News & General • Maximum risk tolerance
Just throwing some ideas around here. What if I were to scrap the whole idea of asset allocation by percentages? I say this is the maximum dollar amount that I am willing to risk in stocks because...
View ArticleNon-US Investing • discontinuation of Flovent-asthma medication
Gang is anyone aware of the discontinuation of Flovent?found these articles, going through this, found out my insurance won't cover this, waiting to speak with my...
View ArticlePersonal Investments • Tax-Managed Balanced Fund (VTMFX) for Taxable account?
Hello,Working with some funds for a family member for a taxable account where per their age and general risk tolerance, they were wanted something more along the lines of 60/40 or 50/50 Stocks vs...
View ArticlePersonal Investments • triple tax free Muni bought at Market Discount
I purchased a triple tax free munibond at a Market discount of 93.84. It matures in 2 years, It pays a 1% coupon. At maturity It will pay 100.00 par. Is that capital gain triple tax free? I was told...
View ArticlePersonal Finance (Not Investing) • Chase / JP Morgan "full service"...
I moved a business account to Chase and am considering personal accounts as well. Their savings rates are atrocious, so my plan was to open a "full service" brokerage account through JP Morgan so the...
View ArticlePersonal Finance (Not Investing) • My Social Security Timing "Aha"...
Most of us approaching 60 have looked at charts of social security "break even" age or total lifetime benefits, etc. Then one night it occurred to me; if I die before I break even, I don't care, I'll...
View ArticlePersonal Consumer Issues • Cell Phone Question
I tried to send a text from my phone. When trying to send it, it showed "waiting for connection".Twenty minutes later, it still showed that status. I tried sending another text with the same result.43...
View ArticlePersonal Finance (Not Investing) • Are car washes necessary?
Do car washes serve any purpose other than making your car look good? My 2006 RAV4 lives under a filthy tree and even if I get it washed, it's filthy again two days later, so I stopped washing it...
View ArticlePersonal Investments • Different funds in Taxable and non-Taxable/tax-deferred?
Hi all,I'm cleaning up my accounts after adventures with a FA, working on establishing a new self-run IPS and AA. Prior to posting an AA for feedback or even a portfolio review I have some basic...
View ArticlePersonal Finance (Not Investing) • EOY Family Financial Review PPT
I'm looking to put together a simple EOY powerpoint that highlights our family's financial position in terms of spending habits over the last year as well as NW and asset allocation. It would mainly...
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Personal Investments • Selling rental property is the best option for us?
Hi, I am not expert in regards to retirement plan. But i am trying to find the best financial plan fits to us money wisely. We have contributed on our retirement accounts since 2019.We realized that...
View ArticleInvesting - Theory, News & General • Optimal lazy rebalancing calculator...
After a long hiatus caused by the old domain name being taken over by squatters, I have relaunched the optimal lazy rebalancing calculator:https://optimalrebalancing.infoThe Javascript calculator is...
View ArticlePersonal Investments • Investing for early retirement gap and funded 529s
Hi, I would appreciate your feedback and suggestions for the investment approach my spouse and I should take toward our goals (1) to fund our children’s undergraduate education at a state flagship...
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Personal Finance (Not Investing) • Leave family temporarily for new job in...
Hey Bogleheads,We have an interesting dilemma. My wife was laid off last week from her SWE/tech job ($230K/yr) and was given 3mo to find a job internally, plus a generous 15 week severance. This...
View ArticlePersonal Finance (Not Investing) • Empower Retirement Planning
What is your opinion of the Empower Retirement Planner? Note that I am talking about the free retirement planner that comes with Empower and not their paid service. I compare the output of Empower...
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