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Personal Finance (Not Investing) • Feeling stuck with the mortgage
Hello all! I purchased a $260k home next to an expanding highway in a fast growing exurb area in late 2019 in order to be close to work in the nearby big city 30 min away. I refinanced for a 30 year...
View ArticlePersonal Investments • Vanguard Wellington Admiral Shares?
A couple of years ago I got a surprise in one of my old 457 accounts, that BlackRock was being discontinued and Vanguard Wellington Admiral fund was being offered. I chose the Vanguard fund, not...
View ArticleNon-US Investing • Is an investment property worthwhile?
I have been considering an investment property mainly for the negative gearing tax savings. Would it be worthwhile or is it better to just keep more in the index.Other investments such as shares can...
View ArticlePersonal Consumer Issues • Ooma Phone Service
Anyone have any experience with it?Statistics: Posted by NavyIC3 — Mon Mar 11, 2024 5:41 am — Replies 7 — Views 311
View ArticlePersonal Finance (Not Investing) • Credit Score: 805 - Should I close old...
I am from Europe, and I lived in the US from 2014 to 2018. I still have 3 active credit cards:- BofA Nature Conservancy - $2,000 limit (my first credit card, in 2015), no annual fee- Amex Delta Blue -...
View ArticlePersonal Investments • Retirement account options for my spouse under my PLLC
Hello,Forgive my ignorance. I have been reading several online articles and I am somewhat confused on how to begin. I currently have a PLLC with S-Corp status in Texas with a Fidelity solo-401K that I...
View ArticlePersonal Finance (Not Investing) • Deducting State Income Tax on IRS Form 1041
2022 state income taxes were paid when the final (non-trust) state personal income tax forms were submitted in April 2023. Death was at end of 2022. Now doing the 2023 IRS 1041 for the trust which...
View ArticlePersonal Finance (Not Investing) • Maxed Tax-Advantaged - Home Improvements...
Hello!I am seeking Bogle opinions, perspective, and advice on my preference to use excess income on home capital projects. Am I short-sighted or naive for preferring to spend/invest excess income on...
View ArticlePersonal Consumer Issues • Website Provider Recommendation
I once ran a personal business, which included a website to host an image that I copyrighted, some simple text, and the associated email. When I folded the business, I kept the domain name and the...
View ArticlePersonal Finance (Not Investing) • IdentiyTheft, Minor's CreditHistory
Hi,A well disguised IRS application site (app.irs-ein-tax-id.com--poorly rated on BBB) successfully fooled me. I submitted my minor child's SSN and clicked next... In a moment, I realized my mistake...
View ArticlePersonal Investments • Been saving HSA receipts for 5+ years, why not just...
I recently had this realization as I snapped yet another picture of a medical receipt... have been doing this stupid charade all this time unnecessarily? It feels like I surely must be overlooking...
View ArticlePersonal Finance (Not Investing) • Inherited IRA tax strategy/drawdown plan
Hello Bogleheads! I have some questions about optimizing tax strategy and distributions from my inherited IRA.BackgroundIn 2017, at 27 years old, I inherited a 650k traditional IRA balance when one of...
View ArticlePersonal Finance (Not Investing) • Two accountants disagree about Backdoor...
I am confused and I would love to hear what you would do. I have a feeling the accountant we hired messed up our Backdoor Roths. Background: My spouse and I hired an accountant to complete our 2022...
View ArticlePersonal Finance (Not Investing) • Managing asset allocation living overseas
We (both 41) moved to the UK last August. Fidelity sent me a notice a few months afterwards indicating they've placed a restriction on my account since I have a foreign address (it came from my...
View ArticlePersonal Investments • Financial Advisor says my portfolio is akin to a...
I’m about to make some huge life changing decisions the next couple of years (getting married; buy a house, have a kid). So I figured I’d ask around for critique on my portfolio.A financial advisor I...
View ArticlePersonal Consumer Issues • Mouse nest in engine compartment after recent service
I have parked my 2022 SUV in the same uncovered outdoor parking spot since I purchased it in 2021. Never had issues and have had clean inspections when getting routine maintenance done at the dealer,...
View ArticlePersonal Finance (Not Investing) • How long after death to transfer assets
Some flavor of an asset manager is being real slow allowing access to funds. Everything else TOD/POD has been paid out. This financial pro has provided two times for when email paperwork for...
View ArticlePersonal Finance (Not Investing) • What to name a Testamentary Trust for Ally...
What should I name a Testamentary Trust for Ally Bank 40 character limit beneficiary? Ally has been no help. I have now spoken to 3 chat reps and 2 phone reps plus 2 supervisors and they have been so...
View ArticlePersonal Investments • How is a broker going to make money off me?
After too many years of paying an AUM fee, I'm transferring all holdings to a brokerage and switching to a simple BH 3-fund portfolio. I've noticed that the big brokerages like Fidelity etc have...
View ArticlePersonal Finance (Not Investing) • Balance Transfer Transaction Posting Date...
I had a 0% APR balance transfer offer from Barclays. Offer expires on 3/16/24. I initiated the transfer as cash to a bank account on 3/13/24 online and could see the temporary authorization. However,...
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