Personal Finance (Not Investing) • Sell or keep low mortgage house?
Married couple around 40 with a young child.We live in a VHCOL in a condo worth about $1.1M, with a 15 year 2.8% mortgage that’s currently costing us $4k a month. We have 9 years left on the...
View ArticlePersonal Investments • Does this build credit for kids, add as user on credit...
My son is in his mid 20s and has zero credit. He's very responsible, 401k & savings, paid cash for his last car. A few months ago I opened a new Wells Fargo 2% cash back card and added him as a...
View ArticlePersonal Consumer Issues • Hybrid Car - Cost Savings?
So I'm pretty close to trading in my 2011 Odyssey and getting a 2024 CRV. I am between the CRV and the CRV hybrid. I've run the calculators and looks like I'll break even in 5 years with current gas...
View ArticlePersonal Finance (Not Investing) • Guidance sought re: obtaining a mortgage...
My wife and I have finally reached a point where we can settle down and can finally start looking to purchase a house.The TLDR version of my current plan is to use the auto-generated pre-approval...
View ArticlePersonal Finance (Not Investing) • Can I borrow from my Roth without penalty?
I have my Roth IRA and Vanguard. There is a promotion being offered at my bank which will give me a considerable monetary bonus if I keep a certain amount of cash in their money market account for 60...
View ArticlePersonal Investments • Which Retirement Account Should I Use First?
I am 66, retiring in May. I have a few questions about which retirement accounts to draw from and when. My retirement accounts are allocated as follows:Trad. IRA 65%Roth IRA 18%Taxable 12% half of...
View ArticleInvesting - Theory, News & General • historical holding of vanguard ETFs...
Hi,It is easy to find the historical top 10 holdings of S&P 500 but is there any way to get the data for the historical top 10 holdings of Vanguard ETFs VUG and VTV?I hope there is an easier way...
View ArticlePersonal Investments • Are Owning REITs an Alternative to Owing Real Estate
To diversify away from just owning stocks, I wanted to buy some residential real estate. But I wanted to side step the hassle of owning the real estate and was looking at REITs as an alternative.Q1)...
View ArticlePersonal Investments • retire now or keep working?
Hello-I'm 63yo, within 3-5 years of retirement, if I exclude tax considerations (I still like my job and would would continue to work until the job became unsatisfactory). My wife is also working and...
View ArticlePersonal Consumer Issues • 5G in Europe
Are you limited in Europe if your cell phone doesn't support 5G?Unfortunately my iPhone doesn't support 5G.Statistics: Posted by rich126 — Sun Feb 11, 2024 8:08 pm — Replies 2 — Views 261
View ArticleInvesting - Theory, News & General • Jason Zweig’s latest WSJ article on...
https://www.wsj.com/finance/investing/y ... 75?mod=mhpIf I am reading this correctly, it sounds like mutual funds may soon add ETF share classes, which could eliminate the tax advantage that ETF’s...
View ArticlePersonal Finance (Not Investing) • Understanding safe harbor for taxes
We paid x amount in taxes in 2023, if we pay 110 percent of x in 2024( paid through out the year, taken by employer ) , we wouldn’t get penalty regardless of our taxes due at return next year ? Expect...
View ArticlePersonal Investments • Inherited IRA RMD's - I'm puzzled
About 20 years ago, I inherited an IRA from my father and my wife inherited an IRA from her father. Both parents were already taking their RMDs when they passed away. The inherited IRAs were...
View ArticlePersonal Investments • Too late for backdoor Roth conversion
Hi All,I took too long to realize that my MAGI might exceed Roth IRA contribution limit. Now, I wanted to do backdoor roth like I did it for last 2 years 2021, 2022(after learning about it on this...
View ArticlePersonal Finance (Not Investing) • Filing mutiple 8606 + 1040 Amendments due...
I need to file amendments for the tax years 2020, 2021, 2022 because I was not aware of the pro-rata rule when performing a backdoor roth IRA. I end up owning additional taxes to the IRS. I used...
View ArticlePersonal Investments • What to do with a 5k CD about to mature
I have a CD maturing at the end of the month. It should be around 5300 or so after maturity. Trying to decide on what to do with the money. I’m single, no kids, rent, paid off car, no debt. Should...
View ArticleInvesting - Theory, News & General • Why can't you trade in real time?
Every time I do a trade on Fidelity, I get a message: "The trade will be executed at the next available price". Essentially what that means is that the trade happens sometime after the market...
View ArticlePersonal Investments • Form 966 Advice for S-Corp Shutdown Screw up
For tax year 2022, I filed a 1120-S and marked the return as Final. I did not file a 966 at that time because I mistakenly didn't read the form to know I had 30 days since the resolution to shut down...
View ArticlePersonal Investments • Putting money in Traditional IRA AFTER backdoor Roth IRA
I’ve already completed a backdoor Roth IRA for 2024. I’m planning on rolling over a 401(k) from a previous employer into a traditional IRA account this year. Since I’ve already completed the backdoor...
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Personal Investments • ** Retirement Checkup Request **
Hello everyone! New here. I'm just learning about Bogleheads and for the first time I'm actually analyzing our retirement finances. I'm .2 seconds away from getting an advisor because I'm definitely...
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