Personal Investments • Send help! Hung up on how to set up my portfolio
Hi Bogleheads,I'm new to the forum and looking for suggestions on how best to set up my portfolio, BH style. I'm not sure how to proceed as I'm hung up on how my 401K fund options and home buying fit...
View ArticleInvesting - Theory, News & General • Moving Tax-Exempt TSP Funds (Combat...
Over the last few years, there has been a lot of information put out on how to pull out TSP money that is tax-exempt (combat zone contributions) and get it into a Roth IRA. It was my understanding...
View ArticlePersonal Finance (Not Investing) • Large international incoming wire transfer...
We recently sold a property in a foreign country (India) and have around $100K of capital gain. We will be wiring those funds to US. Taxes were paid there and will be paying taxes here in US after any...
View ArticlePersonal Consumer Issues • college decision: $63k UIUC ECE or full-ride UF ECE?
A few months ago, I posted "T5 vs T35 engineering" (viewtopic.php?t=417838) and got great feedback with diverse opinions. But some responses focused on CS and FAANG jobs, which was irrelevant to my...
View ArticlePersonal Investments • Moving from Prime Money Market to Municipal Money Market
We're firmly in the 37% federal income tax bracket, plus 2.5% state income tax, plus the 3.8% NIIT. I suspect we'll be in this tax bracket as long as I'm working, assuming continued great health and...
View ArticlePersonal Finance (Not Investing) • Question for Taylor Larimore!!!
First off, I'm a big fan of Mr Larimore and am very grateful for not only his service to the country, but like Mr Bogle, for helping people like me, the average investor. Thank you!!!If it is not too...
View ArticlePersonal Investments • RMD experts: help resolve this pickle
Bogleheads,Two weeks ago (mid-Jan 2024), FIL rolled over an IRA Account to a 403b account. (I know this is not typical, but he wanted TIAA and the options were better in the 403b than IRA).No RMDs...
View ArticlePersonal Finance (Not Investing) • Direct pay of Medicare premiums?
When I turned 65 I went on Medicare but delayed Social Security until 70.Prior to Social Security I received bills from Medicare which I self-paid.However, once I was on Social Security I no longer...
View ArticleInvesting - Theory, News & General • Unpleasant Surprises -- Annuity...
Hi All:I offer this post to share what I recently learned about the above and, perhaps, to vent a bit. Part of the title was taken from a post by Stinky, which reads in part: "Realize that the fees on...
View ArticlePersonal Finance (Not Investing) • Protective Life - anyone have a MYGA from...
Anyone have a MYGA from Protective Life?I was able to get an application submitted last week on the final day of a 5.40% rate being available on the 7-year MYGA, but saw some things earlier today that...
View ArticlePersonal Investments • Tax gain harvesting for a minor child
I have a brokerage account (UTMA) for our 4 year old - currently has about $8k in it. It has $600 of unrealized gains in VTSAX. I was going to sell it and then buy right back or exchange to VFIAX then...
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Personal Investments • Tax liabilities and asset allocation
Simple version of the question: consider a portfolio with the following assets:1. Stock ABCD with a market value of $60,000 and a cost basis of $20,0002. BND (bond ETF) with a market value AND cost...
View ArticlePersonal Finance (Not Investing) • Mortgage Payoff Calculation
Hi all,Forgive another mortgage payoff question, but I would be happy to take any advice offered.I have 11 years left on my 15-year, 2.375% mortgage, original balance of $275K. I can pay off the...
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Personal Finance (Not Investing) • Health Insurance Counting as Imputed Income
Hi everyone,I am clinical fellow in medicine and my institution designates me as a "zero-salary employee", paid via stipend through a 1099-MISC. Very bizarre and archaic financial arrangement, but it...
View ArticlePersonal Finance (Not Investing) • Do you ever have to show HSA receipts?
I have saved up a bunch of HSA receipts to submit for reimbursement (I used to use the visa card from them, but now pay cash and then only withdraw the money when I want/need to). My HSA provider...
View ArticlePersonal Investments • Basic 401(k) question on transferring to another IRA
My understanding of 401(k)s:1) They have higher limits than an IRA ($23k/$69k employee/combined contribution limit vs. $7k)2) Your employer typically matches a portion of what you contribute, so...
View ArticlePersonal Consumer Issues • Oil fired hot water boiler
Current boiler is 24 years old and it’s time for a replacement. Just got a quote for $11300 for replacement. Seems high. Converted coil for domestic hot water to indirect hot water tank a few years...
View ArticlePersonal Investments • HSA overcontribution > How do I fix this?
I've read the other threads about HSA overcontributions in this forum, but each situation is a bit different. Detailing my issue here:In 2023, I was employed for 9 mos and contributed to a UMB HSA via...
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Investing - Theory, News & General • 10 Year Breakeven Inflation Rate
I hope I'm understanding the "10-year breakeven inflation rate" correctly. According to the FRED website, it is "The breakeven inflation rate represents a measure of expected inflation derived from...
View ArticlePersonal Investments • Turbo Tax - 1099DIV Form - Foreign Tax Paid - Young...
Man... I apologize in advance as this may require follow up answers but I'll try to provide what I think is relevant information as I'm pretty confused.We are young retirees filing a joint tax return....
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