Personal Finance (Not Investing) • Does it still make sense to do Roth...
Is it still beneficial for us to keep making Roth conversions?Most of our investments are already converted to Roth accounts, but we still have about $230000.- in my husband’s traditional IRA. This is...
View ArticlePersonal Finance (Not Investing) • 529 to Roth earned income requirement????
i know pretty much all the rules with the new act allowing a 529 to be converted to a Roth starting 2024. my question pertains to a small clause i read about needing to have earned income. heres my...
View ArticlePersonal Investments • 529 help requested for "My Three Sons"
Hello,will you kind folks please help me analyze and make suggestions for my kids' 529 plans?I have 3 sons, ages 13, 12, and 10. Expected HS grad dates 2028, 2030, and 2032.Backstory: I have a 529...
View ArticlePersonal Finance (Not Investing) • Which Boston suburb to settle?
Hi, Bogleheads fellows,We are considering moving to Boston suburb. We are a family of 4, considering having 3rd kid. Here are the criteria we are looking in priority order:Good public schoolsSafeGood...
View ArticlePersonal Consumer Issues • Anyone dropped Uninsured Motorist coverage?
I have always carried UM coverage. The cost continues to escalate. I am in FL, carry 250/500 liability, and the UM portion of my premium is now almost 50% of the total bill. My renewal with...
View ArticlePersonal Finance (Not Investing) • Anyone have their financial advisor retire
I believe my mom's financial advisor might be retiring soon. I am curious to see what happens when a financial advisor retires? I was under the impression that someone else will take over, at least...
View ArticlePersonal Finance (Not Investing) • Who Regulates Shipping Companies?
A couple of weeks ago, USPS Informed Delivery showed a package headed my way shipped via UPS Mail Innovations on December 26 from Bloomington, IL. It weighed .28 lbs, and I have no idea what it might...
View ArticlePersonal Finance (Not Investing) • Life Insurance Amount Sanity Check
Hi All,Please review the term life insurance amount that I have chosen, I just got approved for a ladder policy from Banner Life. Would greatly appreciate any comments you may have.25 year : 3 X...
View ArticlePersonal Finance (Not Investing) • A brief look at some of the retirement...
I took a look at the free retirement planner that comes with Empower, Fidelity, and Schwab and learn a bit about their limitations.Setting upAll three allow you to setup Income sources such as Social...
View ArticlePersonal Investments • Money Market USGO for NYS
I have most of my Vanguard "cash" in VUSXX and looking at Vanguard's US Government Obligations Income pdf I assume VUSXX meets the threshold requirements for NYS (it has the two **) = 80.06%I also...
View ArticlePersonal Investments • bitcoin exposure in 401k self directed brokerage
As you know most employers dont allow ETF at least my employer does not allow to buy any ETFs..I ran into these 2 mutual funds which are into bitcoin namely BTCFX and BTCLX ...I movd my entire 401k...
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Personal Finance (Not Investing) • Kids of wealthy parents, do they work?
I am wondering if I am asking for too much here. Our 17 year old is in high school, excellent grades and generally a good kid. Heading to college for a computer science degree. He has never worked and...
View ArticlePersonal Investments • Agency bonds- Callable good or bad?
Hey Bogleheads,I’ve been dollar cost averaging in part of my fixed income portfolio allotment into longer term issues of treasuries and tips recently. Today I found 20 year FHL agency bond with a 6.5%...
View ArticlePersonal Finance (Not Investing) • 2023 401k Overcontribution
I had two employers in 2023. Both employers offered 401k's and I contributed to both.Employer A: I maxed out the Roth 401K contributions including 'catch up' totaling $30,000. Terminated participation...
View ArticlePersonal Finance (Not Investing) • Social Security - What are the drawbacks...
I filed to start SSA at 69 and 8 months which will gross $4580/month. Speaking with the SSA representative today, she brought up the 6 month look back, which would gross 4437/month with an approximate...
View ArticlePersonal Investments • buying callable bonds ?
Given that one can purchase fixed-income (bonds and CDs) of several-years' duration with YTMs nearly equal to good money-market funds such as Vanguard's VMMXX, coupled with the fact that interest...
View ArticlePersonal Finance (Not Investing) • Banking questions: is your savings at the...
We are working on consolidating accounts and I have a few questions:1. We keep a bit more than a month's expenses in checking, but I have a savings account at the same bank. I'd like to move savings...
View ArticleInvesting - Theory, News & General • can indexes have low PE and low...
I got into international index funds a while ago, seeing them as an opportunity with low PE, especially relative to US index funds. That was about 3 years ago, since then the PE has continued to stay...
View ArticlePersonal Consumer Issues • Aftermarket tow hitches?
hey allLooking to DIY install a tow hitch on my 2008 CX9 (not going to worry about wiring harness because I don't intend to tow anything heavy enough that would even require it... This is more for...
View ArticlePersonal Investments • Non-Traded REIT Liquidity Event Cost Basis
Hello all. I have been attempt to help my retired in-laws with organizing and simplifying their portfolio and hoping for some assistance from the knowledgable crew here.After a long process of...
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