Personal Finance (Not Investing) • 8911 EV Charger Install Rebate
Hello Everyone,I file my taxes annually with OLT, and I am trying to claim the 8911 tax credit. However, every time I attempt to do so, it calculates as a zero credit. I have checked and I am eligible...
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Personal Finance (Not Investing) • TaxAct - No option to buy iBond
Holla!I made an estimated payment in November 2023, to get a 5k+ refund with the plan to use it to buy iBonds.Done with my taxes, and getting a refund as expected, but TaxAct is not showing me the...
View ArticlePersonal Finance (Not Investing) • where can I find wage inflation data for...
My company was slightly behind the curve on salaries from a study HR did in 2019. This means that when looking at comparable companies in our industry and in the area, most of my staff was slightly...
View ArticlePersonal Finance (Not Investing) • Tech Compensation
Hi everyone,I spoke to someone who worked in the tech industry in the Bay Area. He said that it is a place where if one is a strong performer, they can stay at the same company over the course of...
View ArticlePersonal Investments • Residual tIRA balance after Backdoor Roth
I am (have) completed a backdoor Roth for the first time this year and have some questions about what I should do next.My wife and I figured there was a very good chance we would not be eligible for...
View ArticlePersonal Finance (Not Investing) • Funding a New Vehicle
So I’ve been pretty lucky with my 2013 Honda Pilot. I’ve put about 110k miles on it and haven’t had any issues (knock on wood). However, I can’t help but think I’m starting to press my luck and sooner...
View ArticlePersonal Investments • How do I know whether I bought a US Treasury Note on...
Being a Treasury noobie this year, I'm trying to figure out whether my accrued market discount (Box 1f of 1099-B) on US Treasury Notes is considered taxable income by the state of Massachusetts.At...
View ArticlePersonal Finance (Not Investing) • House buying and mortgage payoff plan
Hello,Because of family needs, my wife, child, and I need to move, so planning on buying another house and selling our current house within the next few months. Because current interest rates are...
View ArticlePersonal Finance (Not Investing) • Debit card question: difference between...
I’m confused on why you can run a debit card as debit or credit. What’s the difference? What’s the point of a PIN for security if someone can just hit “cancel” and run a transaction as credit with no...
View ArticlePersonal Investments • Inherited Retirement Accounts Help
My wife recently passed away and I am trying to determine the best way to handle her retirement accounts where I am the beneficiary. I've looked through quite a few past posts, but I don't think my...
View ArticlePersonal Investments • what's the problem of having both pre-tax IRA and ROTH...
I have pre-tax IRA which was rolled over from traditional 401K of my previous employers. With my current employer, I have ROTH IRA. I heard about those talking about issues having both pre-tax IRA and...
View ArticleInvesting - Theory, News & General • borrow money and interest is tax...
Hi,I would like to compile a list of options such that interest on borrowed money is tax deductible. deduct the mortgage interest you paid during the tax year on the first $750,000 of your mortgage...
View ArticleInvesting - Theory, News & General • Understanding Annuities
Hullo Bogleheads,I'd like to find out more about how I should value annuities.Is there somewhere I can go to read up and find out more?Specifically, lifelong annuities.Should I value a plan with a...
View ArticlePersonal Finance (Not Investing) • Itemize vs standard deduction for 2023 tax
I’m using TurboTax right now to file my tax . I’m confused with both deductions. If I take standard Deduction, I will lose about $2400 federal refund . If I take itermized deduction, will get $2400...
View ArticlePersonal Finance (Not Investing) • Purchase one year of prior service for...
Hello! I'm 51 and will start receiving a pension when I retire at age 55. I'm able to purchase one year of prior service (for work before starting with my current employer). The cost to purchase this...
View ArticlePersonal Investments • Portfolio Review Request
Hi folks. I'm new to the community and kindly requesting a portfolio review. Thanks for any help/insight. Happy to clarify further if needed.Emergency funds: Six months of expensesDebt: Two mortgages...
View ArticlePersonal Investments • Self directed ira - disqualified person?
My wife and I are thinking of lending her parents some funds out of my IRA at market rate.From what I understand, since I am the account holder, my in-laws would not be disqualified persons.However I...
View ArticlePersonal Investments • Help with 2024 Fed and NJ tax projections
Hi all!I need some review / confirmation on how to pay Fed and NJ taxes for TY 2024. All my 2024 income will come from tIRA withdrawals. I'll also do a Roth conversion. I've reviewed many BH posts on...
View ArticlePersonal Investments • What fund to hold while waiting for MBR distribution
A week back I made a thread asking about the MBR (mega backdoor roth) and learned quite a bit. Now that I think I understand the MBR I have a completely new set of questions.For my 401k plan I am only...
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Personal Finance (Not Investing) • Am I saving enough for taxes?
A Sankey chart of my weekly budget is shown below.The withholdings are calculated by the IRS W-4 tool.I am expected to be in the 12% tax bracket this year.I heard that a good rule of thumb is to save...
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