Personal Investments • Need guidance with botched up Roth IRA backdoor and...
Hello fellow BHs. Looking for some high level guidance on how to tackle taxes this year regarding my botch up last year with backdoor conversion. See details with timeline below.How did some of you...
View ArticlePersonal Finance (Not Investing) • BofA/ME bonus offer and Platinum Honors -...
Hi all,I am looking at moving some assets to Merrill Edge for three main reasons:- there is a $600 bonus offer for transferring $200k in new assets- Platinum Honors for the BofA credit cards (I’m...
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Personal Finance (Not Investing) • Think I overfunded my HSA
I switched employers mid-year and thought I had done some excellent math determining how much I had already contributed to my HSA and how much I could contribute to my new employer’s HSA to ultimately...
View ArticlePersonal Investments • Please critique my strategy for a simple,...
Basic Information:Emergency funds: Emergency fund fully coveredDebt: Have large mortgage (2.375%)Tax Filing Status: Married Filing JointlyTax Rate: 35%-37% Federal, 11.3%-12.3% CAState of Residence:...
View ArticlePersonal Investments • should i pay off a car at 1.9% or invest in a cd at 5.5%
Car is a 21 with 30k miles on it and I still owe $17k @ 1.9%. I can pay it off but thought it better to put in a 5.5%cd. Thoughts?Statistics: Posted by KDM302a1 — Mon Feb 12, 2024 7:09 pm — Replies 18...
View ArticlePersonal Investments • Fidelity CMA account - transaction report for the...
One of the basic features of a financial site seems to be missing with Fidelity. Specifically on CMA - you can download activities only a max of 93 days at a time. I would like to see at least an year...
View ArticlePersonal Investments • Portfolio Review / Early Retirement
Longtime lurker, but first time poster. Federal Employee that seems to be on track to retire in 4 years at age 57, but suddenly might have buyout opportunity to retire this year, so just wanting some...
View ArticlePersonal Finance (Not Investing) • Anticipating a lay off
There have been numerous posts related to steps to take once you have been laid off - unemployment insurance / severance payments, but as someone who is expecting to be laid off by the end of the...
View ArticlePersonal Investments • Educate me on VUSXX
Hello,My tax home is changing to North Dakota from South Dakota. With now needing to file a state income tax in North Dakota; does it make sense to use VUSXX instead of VMFXX through Vanguard? I'll...
View ArticlePersonal Investments • Transferring Money from Settlement Fund to my ETF
VANGUARD Brokerage Account! I see that the money from my Bank Account gets transferred (automatic investments) to the Federal Money Market (Settlement Fund), and then I have to manually transfer the...
View ArticlePersonal Investments • What I just learned from the BH's - What about you?
I recently learned, from this forum, that you can have multiple HSAs and you can invest them. I learned how I can open and fund a Fidelity HSA, collect my employer contribution to my (less than ideal)...
View ArticlePersonal Finance (Not Investing) • Purchase my Mortgage Note
Is it possible to purchase my mortgage note from the bank? I have about 12 yrs left on a 15 yr mortgage at 1.875%. The remaining balance is around $330k. I know the wise choice is to pay the minimum...
View ArticlePersonal Finance (Not Investing) • Has anyone appealed a drug price with...
I just applied for medicare and found out one of my medications will be $100 a month even on the best Kaiser plan. This seems insane. Has this happened to anyone else? It appears to be a "Tier 4 drug"...
View ArticlePersonal Finance (Not Investing) • Safest way to pay bills electronically
What is the safest way to pay bills electronically?Should I use the online bill-pay feature from my checking account?Or should I get on to the vendor's website and pay there? If so, should I enter (1)...
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Investing - Theory, News & General • Can you do better than BND?
Of course you can do better than Total Bond. But at what cost, in terms of volatility? And by how much?Material adduced in this thread will be largely in accordance with a point that nisiprius has...
View ArticlePersonal Finance (Not Investing) • Simple ira tax form ?
My wife has a simple ira from her employer with vanguard. What tax form and when should we expect one from vanguard? A little research on vanguard website showed form 5498 but issued in may....after...
View ArticlePersonal Finance (Not Investing) • Tax question: California taxes and...
I am finding this difficult to find information on and wondering if anyone is familiar with the following scenario:Currently a resident in the state of California, and own and live in a personal...
View ArticlePersonal Finance (Not Investing) • Home Self Insure or Not
Mortgage: $43k balance @ 3.25%, 3 years left, no other debtHELOC: $10k balance @ 7.25% paying effective 2.25% receiving 5% interest on EFEmergency Fund: $156kState: SE Florida, 1/4-1/2 miles from the...
View ArticlePersonal Finance (Not Investing) • When your poa is out of date
I was helping my mom with an issue as the poa but the vendor started to quiz me on who I work for. However the poa was established a long time ago. The employer and other info no longer match.I am...
View ArticlePersonal Investments • How much did you pay Vanguard this year?
I've found that Vanguard makes it very difficult for consumers to figure out how much (Exact $ amount) that we pay for account services each year. The fact that they can directly deduct funds from...
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