Personal Consumer Issues • Vacation in UK - using my US smart phone eSIM/SIM
No offense taken, please explain this to me like a 5 year old!I'll be taking a multi month trip in the UK later this year. I have a cheapo cell phone plan (Ting) that works just fine for me but it...
View ArticlePersonal Finance (Not Investing) • First time owing federal taxes
Hi all - just got word from my tax preparer that I owe about $800 in federal taxes this year. This is my first time owing money. They said that my interest from my HYSA (Ally) was the cause. Ugh.I...
View ArticlePersonal Consumer Issues • "known issue" with Amazon Prime Visa at...
More of a PSA than a real problem except as a waste of my time and now, lack of confidence .Just shopped at WF using my Amazon Prime Visa using my palm at checkout. My paper receipt shows each of 10...
View ArticlePersonal Investments • Draw down IRA
Am 71, should I draw down my before tax Ira (1.3m)in order to lessen the income tax burden on my surviving spouse and or beneficiaries. Draw out the RMD amount or more , pay the tax and put excess in...
View ArticlePersonal Consumer Issues • Swimwear for Tucson in March
We will visiting Tucson next month. I like to go swimming if at all possible. The place we're staying has a pool, but I don't know if it's heated. What I do know is that the average temperature for...
View ArticlePersonal Finance (Not Investing) • Add funds to a testamentary trust later?
Hello. I am researching options to provide for minor (toddler age) children with a will and trust. I understand that a testamentary trust is one method, where assets such as life insurance proceeds,...
View ArticlePersonal Finance (Not Investing) • Tax question re house sale in a different...
I am a full year New York State resident. In 2023 I sold a house in Connecticut which I had inherited several years ago. I never resided in the CT house other than to spend an occasional weekend. The...
View ArticlePersonal Finance (Not Investing) • Considering Filing Theft Losses due to a...
Fellow Bogleheads, I am seeking feedback on the mechanics and any tidbits to look into with regards to filing Theft Losses due to a Ponzi scheme. I searched the forum and everything I found fell into...
View ArticlePersonal Finance (Not Investing) • FSA when leaving job
Hypothetically, if one were to leave their job now and had $3000 in an FSA, what would be the best tactic to not lose it?1) spend it down on something before the last day… that’s a lot of random...
View ArticlePersonal Investments • Taxes- how to document tax exempt interest
I have T-Bill interest and Federal money market fund at Fidelity and Vanguard. I'm using Turbo Tax to do my 2023 tax return. For my state return the instructions say to enter the amount of interest or...
View ArticlePersonal Investments • I am Financially Ignorant and Seeking Guidance
As the subject implies, I lack the knowledge and skill to navigate these investment waters. At 48 years old I have just found the wisdom of Mr. Bogle and have gone down the proverbial rabbit hole (I...
View ArticlePersonal Finance (Not Investing) • Does testing out FreeTaxUSA make sense?
I have had a CPA doing my taxes since 2005. I've had a relatively complex tax situation with multiple business entities etc.... Starting this last year, I still have a relatively complex tax situation...
View ArticlePersonal Finance (Not Investing) • Tax filing software for a multi-member LLC
In 2023 I created a multi-member LLC to take a business investment. The LLC has no employees as yet. It had no income in 2023. The LLC has its own EIN number.Any recommendation for an online filing...
View ArticlePersonal Consumer Issues • Comparing interest rates between loans and savings
I am looking to compare interest rates between savings account, auto loan and student loans to apply extra funds in the best way. I have the following:$20k in Capital One HYSA currently at 4.35%$25k...
View ArticlePersonal Finance (Not Investing) • 2024-25 Financial Aid application for Law...
My daughter got admission to one of the T6 law schools. DD wants to apply for merit scholarships at the school. DD said that the FAFSA application (which is for need based aid) does not require...
View ArticlePersonal Finance (Not Investing) • How does a married couple try to lower...
In my last thread, viewtopic.php?t=423936 , I asked about whether to Roth or not. I came to find out that there are limits in how much you can contribute to a Roth - $8,000 each person/$16,000 per...
View ArticlePersonal Finance (Not Investing) • Cost basis errors and self reporting?
My mother has a considerable investment in Edison International held at E*trade. I manage her portfolio. She has held EIX it for years, and some of the share lots are non-covered (ie, no basis...
View ArticlePersonal Consumer Issues • College student considering staying in a hotel to...
Hi everyone, I am a rising sophomore attending university in the Cambridge, Somerville, Boston area and was thinking of staying in a hotel for part of the week to save on money, rather than leasing a...
View ArticlePersonal Investments • Please review portfolio and questions-Thanks!
Emergency Funds: Yes.Debt: none, except one credit card we use for household expenses that gets paid off every month. Married filing Jointly/Federal tax rate 30%, no state taxState of residence:...
View ArticlePersonal Finance (Not Investing) • Should I add an authorized representative...
I'm a bit puzzled about whether I should add an authorized representative to my Medicare account. Medicare has an account message that says You may want a family member, friend, or caregiver to be...
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