Personal Investments • Which type of self-employed retirement account to open?
I am newly self-employed after working full-time for many years. I no longer have access to an employer 401k, so I would like to open a self-employed retirement plan of some sort and am trying to...
View ArticlePersonal Investments • Portfolio Review
I made a couple errors in my post. Will re-post when I fix it.Statistics: Posted by bookgirl — Fri Mar 08, 2024 6:28 pm — Replies 3 — Views 454
View ArticlePersonal Finance (Not Investing) • Nursing homes, Medicaid and credit freezes
Does an existing credit freeze need to be lifted if one is trying to qualify for nursing home coverage with Medicaid? If so, does anyone know which credit reporting agency Medicaid uses?The three...
View ArticlePersonal Investments • US Tax credit on Cap Gain paid on ag land sold in France
I've looked through various IRS.gov publications (514 and 1116) to find an answer. My wife and I sold some ag land in 2023 in France she inherited from her French parents in 2007. She is now a US...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth - H&R Block issue
Hoping someone can help answer this!I made Backdoor Roth conversions in 2021 and 2022 due to my income being over the limit. Both were clean conversions, no money was left in the Traditional IRA and...
View ArticlePersonal Finance (Not Investing) • Tax-Deductibility of LTC
I have read that withdrawals from a 401k or 403b are not tax-deductible if used for LTC expenses, but withdrawals form a traditional IRA are deductible for that portion that exceeds 7.5% of AGI. Does...
View ArticlePersonal Investments • To insure or not insure?
Hello all,I recently mailed in my first paper Ibond for conversion to electronic. I sent it certified mail, but debated whether I needed to insure the envelope for the Ibond value. Ultimately, I did...
View ArticlePersonal Finance (Not Investing) • Help Elderly Parent with Annuity Decision
Hello, my elderly father is unsure of how to respond to the below copied question regarding his variable annuity (he is currently receiving payments). I did not know anything about annuities and have...
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Personal Investments • Rate of Return on Vanguard Dashboard
Does anyone know if the rate of return on the Vanguard Dashboard which shows your performance factors in reinvested dividends?Mine is showing a rate of return of 9% for the last decade. I have a...
View ArticlePersonal Finance (Not Investing) • Multiple Solo 401(k)
I have a solo 401(k) with Vanguard.Vanguard does not support after-tax 401(k) contributions, so, I was planning to open one with a provider that supports them.As per that provider, I must do a plan...
View ArticlePersonal Finance (Not Investing) • Fidelity misinformed me about pro-rata...
I have been doing backdoor-Roth contributions of 6k per year for a few years.About 12 months ago in Feb-2023 Fidelity rolled over around 200k from a 401k from another former employer at Empower into a...
View ArticlePersonal Investments • Section 1256 Contracts
I don't know whether this question belongs in this section. If not, would appreciate if someone can suggest a forum.I bought & sold an option on ARKK (ARK Innovation ETF) in the first half of...
View ArticlePersonal Finance (Not Investing) • Can We Accelerate Retirement to June 2024?...
I just discovered that the survivor benefit calculations for my pension are changing – and I cannot imagine the changes would be to our benefit (currently, my spouse and I would have only a 7%...
View ArticlePersonal Finance (Not Investing) • International ATM fees (again)
There have been other posts on this topic but I haven’t seen the following questions answered definitively. Spouse and I are recently retired and planning to do lots of international travel over next...
View ArticlePersonal Investments • Capital Losses: Strategy to long term capital gain...
Hello,this is my first post here. I am looking for some expert advice.I am a 39 M who has had enormous lost capital losses in the past year Previously I had bad investments and lost 850 k; On friday...
View ArticlePersonal Investments • Considering Converting 401K to IRA/Roth IRA
I left a company and left the money in the former employer’s 401K held at Vanguard. The investment choices in the 401K are not bad, but there would be more options if I converted the 401K to an IRA. I...
View ArticlePersonal Finance (Not Investing) • Wrong State Code on 1099-R...
We moved from CA to TX in 2021 permanently. We realized the address was wrong on 2022 tax form, so we called Fidelity to update address thinking we could finally get a correct form for 2023 tax year....
View ArticlePersonal Investments • 5-8 years to early retirement. Portfolio review and...
Hi all. I hope I have everything organized properly below. Appreciate your thoughts and advice.--------------------------------------------------------------------------------------Emergency funds:...
View ArticlePersonal Finance (Not Investing) • Lump Sum Mortgage Payment: Recast?
I was able to get a higher paying job and have saved up a lot of extra money which I want to apply to my mortgage principal and remove PMI. I don't quite understand how the math works. My question is...
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Personal Investments • Roth IRA & HSA Allocation Feedback
Dear Bogleheads:So grateful for all of you, and grateful to join the Bogleheads at last! I'm beginning my investing journey (just paid off student loans), and hoping for feedback on asset allocation...
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