Personal Finance (Not Investing) • Part D payment SS deduction
An elderly relative signed up for a new part D drug plan and requested that premium payments be deducted from her Social Security payments. She has received a letter from Social Security to the effect...
View ArticlePersonal Investments • Myriad questions about 529 plans
I have had a personal 529 plan for the last couple of years at Fidelity. The goal was to eventually transfer it to my godson. However, I recently found out that I can't transfer the account to him...
View ArticlePersonal Finance (Not Investing) • Ready…am I missing anything in my planning...
Ok here goes: 54 - still working full-time for now, and my Husband is 57 - retired, and our children have recently “launched.” We currently live in a HCOL and have zero debt:Salary: $150kInvestments:...
View ArticlePersonal Finance (Not Investing) • Anyone successfully appealed Medicare Part...
I became Medicare eligible in 2022 but was on a group plan till recently. A Medicare agent told me on the phone I had 3 months to elect part D before LEP would kick in. It’s now 2.5 months and I’ve...
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Investing - Theory, News & General • Personal Investment Returns...
With a hat tip to longinvest, who long ago created a returns spreadsheet for Bogleheads, I have created a modified version in response to user requests. Added money-weighted rate of returns and...
View ArticlePersonal Finance (Not Investing) • Amend a Living Trust or just add a...
John and Mary created a revocable living trust 15 years ago and added assets to it. Their two children are beneficiaries. Since then, they've opened a new savings account that has $100k and a taxable...
View ArticlePersonal Consumer Issues • Visiting Europe while visiting USA
Hello, My parents have multiple entry visitor visa to USA. On their next visit to USA, we plan to go on a Europe trip for a week. We will apply for Europe tourist visa to my parents from their home...
View ArticlePersonal Investments • Portfolio Advice - Consolidating 401ks and Weighing...
Hi Bogleheads! We’re relatively new to investing and recently realized that we need to figure out what to do after maxing out our tax preferred/deferred accounts. We had been planning to pay off our...
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Personal Consumer Issues • Trip to Baltimore,Virginia and Delaware
We are flying to the east coast the beginning of June and our airport options are Norfolk and BWI on Southwest.Mainly want to see Maryland and Virginia and something in Delaware to cross Delaware off...
View ArticlePersonal Investments • Asset Allocation across Portfolio
My wife and I have many accounts (401k, Roth, HSA, Taxable). When I set up the AA years ago I basically had pretty much everything in a Total Market index fund and then had one Bond Market fund that...
View ArticlePersonal Investments • Recommended Funds/Etfs for Taxable account
Looking for Advice on which Funds or ETFs to consider in our joint taxable account to consolidate the current holdings, with the goal to maintain a 70/30 portfolio, support partial withdrawals in a...
View ArticlePersonal Investments • There is hope for late starters
UPDATE:I posted the below almost 5 years ago, with only 10k in retirement savings, plus 30k in cash (emergency fund). I was filled with regret over my being so irresponsible to allow myself to be in...
View ArticlePersonal Investments • Conservative vs all in
Just thinking and fiddling with numbers... Not really a question in here, unless I screwed something up. Just sharing a perspective and thought process I went through. Maybe it spurs some...
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Personal Finance (Not Investing) • Dealing with HSA and FSA spousal rules...
I just recently change jobs. My previous job had HDHP-HSA, but my new job does not offer HDHP . My new job does offer FSAs.My spouse has HDHP-HSA. Their plan is set up to essentially discourage...
View ArticlePersonal Finance (Not Investing) • Hit target dollar number, or spend and...
Quick background. I am 39M, DW is 38F. In 2022, I made roughly $235k. Switched jobs in 2023, and made $520k. On track this year to make $580-600k based on stacked stock grants. DW pulls in $180k/year,...
View ArticlePersonal Finance (Not Investing) • Anyone Ever Retire With a 6-Month Notice?
Wondering if anyone has ever given a 6-month+ notice of retirement at work?I am 61 years old and have a enough to retire ($4 million, small pension, inherited annuity, no mortgage, no debt)...so no...
View ArticleInvesting - Theory, News & General • Blow Up Risk of a Money Market Fund
What is the risk of a money market failing?Humor me with this thought experiment.You have $500k. You can put it into 1 of 2 places.Option 1: A bank account at a top 20 bank, call it Ally bank, with...
View ArticlePersonal Finance (Not Investing) • NY State Nassau property tax grievance...
[Note to those confused: the tax grievance process on property taxes is a very specific, regional topic in certain counties of NY-state and if this seems ridiculous then you are not alone, however...
View ArticlePersonal Finance (Not Investing) • Which job offer I should go with?
Offer 1: WFH / Temp 6 mo with a potential to go perm (~$100K if so) but currently $45 per hr but could be full time (~$45K for the 6 mo if so) / Benefits through the staffing agency, not yet cleared...
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Investing - Theory, News & General • The new "Bogleheads on...
This month's podcast covers the real estate investing spectrum, from flipping homes to the largest REITs. LINK> Episode 66: Dr. Jim Dahle and John Worth, Ph.D. on real estate investingMy two guests...
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