Personal Finance (Not Investing) • Identity theft precautions and questions...
I have free credit monitoring from a data breach a couple years ago. I have all three reports locked and I have an IRS PIN. I have not applied for new credit but just got an inquiry on my Equifax from...
View ArticlePersonal Finance (Not Investing) • Mid-career change to law?
I’ve come to rely on this like-minded community to help me organize my financial life. This time, I’m seeking advice on the practical and intangible aspects of a career change I’m considering.I...
View ArticlePersonal Finance (Not Investing) • Medicare Claim Denials
Anyone ever have Medicare A/B deny a claim for ANYTHING? I believe I remember only once, when my spouse had an emergency and the ambulance/paramedics came out, but then no transport was used to...
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Personal Investments • Separate Vanguard Broker Account for each Mutual Fund
A few years ago my son (single) died w/o a will. He had no children and I was his only living parent, so by law, I was the sole beneficiary. Vanguard's distribution of his fund shares, of which I was...
View ArticleInvesting - Theory, News & General • The recent surge: stand pat or...
Thoughts? I love that I've recouped a lot of what I lost in the 2022 fiasco, but I also know the pitfalls of being greedy. Debating shifting some of my more aggressive stuff over to bonds, where I'm...
View ArticlePersonal Investments • Second Tier Short Term Savings
Hi Bogleheads!I’m interested in your opinions on a second tier short term savings fund. I have 6 month emergency fund in Fidelity Government Money Market Fund (SPAXX), and I maxing my contributions to...
View ArticlePersonal Finance (Not Investing) • file taxes, knowing I'll amend later?
Is there any issue with filing a tax return that I plan on amending later? Situation: We fostered a child this past year, and the child lived with us for more than six months. So I think we are...
View ArticlePersonal Finance (Not Investing) • Taxes for employer's sale to private equity
The company that DH works for has been growing under the ownership of a series of private equity companies. During private equity owner #2, we invested in some shares (an amount we could afford to...
View ArticleInvesting - Theory, News & General • total stock market dividend growth...
What is the dividend growth rate do you expect for the Total Stock Market Index Fund or Vanguard Total Stock Market ETF for the next 10-20 years in nominal terms?I took the data from...
View ArticlePersonal Finance (Not Investing) • Making mistake on my tax return
I filed my tax last month and mistakenly enter a $3000 estimated tax paid on line 26 which I thought I made but did not. This resulted in an amount overpaid of $400 instead of an amount owe $2600. I...
View ArticlePersonal Finance (Not Investing) • partial xfr IBonds from conversion account
I found the instructions to transfer I-Bonds from my conversion account to my regular account. However, I have a question regarding transferring part of a bond. I've not tried this yet, and don't want...
View ArticlePersonal Finance (Not Investing) • small TT errors in capital loss carryover
This year I noticed small errors in the capital loss carryover from last year. Both returns were/are done in TurboTax. ST loss about $20 too low and LT loss about $100 too high. Has anyone experienced...
View ArticlePersonal Finance (Not Investing) • Do I take out a 7.44% car loan or do I dip...
How should I pay $17,000 in a car loan at 7.44%? Do I go into my Roth and pay it off without tax? I'm over 59 and my Roth is over 5 years old, so I won't be taxed. Or do I pay off the car using a loan...
View ArticleInvesting - Theory, News & General • Determining ETFs Estimated Price...
Dear Bogleheads,Is there a simple tool that we can use to determine an ETF's estimated high/low price targets (similar to what the NASDAQ does for individual stocks based on analysts offering 12 month...
View ArticleInvesting - Theory, News & General • questions for kevin and all: t-notes...
My questions are below:Kevin wrote “Bills are not considered market discount bonds, but are in a category of their own: short term US government obligations. The accrued acquisition discount is...
View ArticlePersonal Finance (Not Investing) • Contributed too much to my Roth IRA
I'm doing my taxes and just found out that I contributed too much to my Roth IRA based on my income.TurboTax is telling me: Because your MAGI is $XXX,XXX, only $5,000 of your $6,500 contribution is...
View ArticlePersonal Investments • Selling Stocks, including enough for taxation without...
I have a question that I can't find an answer to anywhere, despite this being something that most people must have come across. Maybe I'm searching the wrong thing.....please forgive.I've been...
View ArticleInvesting - Theory, News & General • 60-days dividend rule (December...
I am confused on how this rule would apply at the end of the year. As a hypothetical example, I purchase 100 Shares of mutual fund X on Dec 20 with Dec 23 being the Ex-Dividend date. I file my taxes...
View ArticlePersonal Finance (Not Investing) • Open Social Security Question: When It...
I think maybe I've been reading threads in this forum too long today about the topic of when to take social security. I've been reading threads on the topic for nearly three hours now. Anyway, in one...
View ArticlePersonal Finance (Not Investing) • Is ACA Excess Advance Premium Tax Credit...
Let's say in a given year a self-employed person pays $1000 in premiums for health insurance on the ACA marketplace after receiving an amount of Advanced Premium Tax Credits based on their predicted...
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