Personal Finance (Not Investing) • Got married in 2023. EV tax credit snafu....
The wife and I tied the knot in 7/2023. She purchased a Tesla Model Y in 3/2023. Her 2022 AGI is below the single filer cutoff limit and should therefore eligible for the $7500 clean vehicle federal...
View ArticlePersonal Finance (Not Investing) • Vanguard conversion to brokerage account...
My mom didn't realize that when she converted to Vanguard Brokerage account in 2023, thatthe automatic RMD that had been set up was "broken" and had to be set up again.DId others encountered this?Was...
View ArticlePersonal Finance (Not Investing) • Estimated taxes - W2 & K1
One of is no longer on a W2 starting in 2024. I'm trying to sort out estimated taxes. Because income can be highly variable my thinking was to make a best guess at the overall 2024 income from all...
View ArticlePersonal Investments • From stunned, to appalled and terrorized. [Looking for...
From stunned, to appalled and terrorized.My financial man passed away unexpectedly about 6 years ago. I thought I had a bit of time to find a new financial advisor, but as it turns out, things...
View ArticlePersonal Investments • HSA Post Retirement
Uncertain of the best course of action for our HSA's. We are retired, 65 and 66, and don't need the money in our two separate HSAs at this time which together total about $53,000 (we do have all the...
View ArticleInvesting - Theory, News & General • Is it better to have the AA in a...
The purpose is to avoid tax drag.In my case the equity/bond portfolio is extremely volatile. I started building a position in HFEA right when both equities and bonds crashed and now that it’s an...
View ArticlePersonal Investments • Bad idea to get a CD with a "troubled" bank?
A bank going through a rocky period, New York Community Bank, has a decent offer on Certificates of Deposit.Maybe history doesn't matter but I see this bank used to be Amtrust / Ohio Savings Bank,...
View ArticlePersonal Finance (Not Investing) • 401k & IRA to Revocable Trust?
Dear bogleheads wise people, I have been wanting to create an estate plan that can help my family not have to go through hassle to just get my hard-earned money in case of any accident.I don't have...
View ArticlePersonal Investments • Max out 401k pre-tax or Roth
Hi All, In the 35% tax bracket, is it better to max out my 401k with pre tax ,post tax contributions or a mix? Most likely we will be in a lower bracket when we retire in 25-30 years.Statistics:...
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Personal Consumer Issues • Disneyland Hotels - Walking Distance and Driving...
I'm looking for two types of hotel recommendations for a Disneyland trip with a few small kids.Hotel close enough to Disneyland to walk in. This would mean we taxi, uber or shuttle from LAX into...
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Personal Investments • Age 68 w unexpected income... where to invest?
Hi Bogleheads -I've got a good problem to have -- more income than expected at this point in life.I retired at age 55 (I'm 68 now) with a pension. All along, over the years, I knew that my ex-employer...
View ArticlePersonal Investments • What to do with inheritance in relation to impending...
Hello all, with the passing of my father recently, I stand to inherit a considerable sum, about $300K, and as I plan/hope to retire soon, open to thoughts on what to do with it (and in general...). My...
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Personal Investments • Portfolio review (implement it next week)
I've asked for some suggestions about my situation earlier and after considering all the information I got, I figured out the following plan.Background: PhD student with ~45k stipend. Just...
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Investing - Theory, News & General • contributions to the solo 401(k) for...
Hi, I am doing calculations for contributions to a solo 401(k) for the first time. While I followed the rules for these calculations, I am still not sure if I did them correctly or if I am missing...
View ArticleInvesting - Theory, News & General • Mega backdoor Roth
Hi All, I was reading mega-backdoor RothIf I understand this correctly, depending on the the 401k plan, I may have the option to keep the mega backdoor Roth money in the 401k or transfer it to a Roth...
View ArticlePersonal Investments • Fund company notorious for publishing tax information...
On their website Fidelity says that information about foreign tax paid will not be published until early March: https://www.fidelity.com/tax-informatio ... nformationIt means that if you held any...
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Personal Finance (Not Investing) • Tech forward bank recommendations: instant...
My midsize bank’s app and website feel very early 2010s. It doesn’t support Zelle, doesn’t support e-bills for bill pay, and the only option for bill pay is a paper check. I want to start using my...
View ArticlePersonal Consumer Issues • Help me choose: Garmin watch or Apple Watch Ultra 2?
I run, indoor bike, ski, swim, hike, and am overall pretty active. I’m looking to get a fitness watch but can’t decide. I use a Garmin Forerunner 55 for runs but the screen is horrible. The new AMOLED...
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Personal Finance (Not Investing) • File Amended Return?
Last week I submitted my federal and state returns via TurboTax. They were both accepted without a hitch. While filing away copies of the returns and documents, I noticed a typo. In 2023 I made a...
View ArticlePersonal Investments • Can I simultaneously exchange VFIAX for VOO?
In my Roth at VG I have VFIAX and it occurred to me that VOO has a slightly lower ER. While it’s such a tiny difference and unlikely to be noticed decades from now, I still see no reason not to use...
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