Personal Investments • 529 options and state tax benefits
Hi - This feels basic but I am getting wrapped around the axle.Very high income earner in very high income state. Would like to max out 529 plan for child (grade school/college/grad). I have reviewed...
View ArticlePersonal Finance (Not Investing) • IRA to ROTH conversion analysis
This is my first post here, so if it is not the right forum, please advise.I am turning 73 this year and just ordered my first RMD. It dawned on me that in three years, when my wife turns 73 and...
View ArticlePersonal Finance (Not Investing) • FreeTaxUSA
When entering a 1099-INT, there's no box area to put in the payers (like a bank) Taxpayers Identification Number (TIN) or Federal Identification Number (FIN), just wanted to make sure it's not...
View ArticlePersonal Investments • Roth conversion
I’m 67 and in a 12% tax bracket . When I take my RMD in 6 years I might be slightly in the 22% tax bracket based on the current tax table . I’m thinking it would be a good idea to do some Roth...
View ArticlePersonal Finance (Not Investing) • Traditional and Roth IRA 2023 contribution...
In 2023 I had $9,450 of taxable compensation, spouse had 0. I contributed $9,450 to my SIMPLE plan, making my total compensation $18,900. According to my tax return, I can contribute $7,500 to my ROTH...
View ArticlePersonal Consumer Issues • Advice on choosing 2/3 day side trip from Paris in...
Looking for input on where we should go and stay on a 2 or 3 day side trip from Paris in September. We are considering Giverny/Versailles. We're in good health and walking miles is no problem. We like...
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Personal Investments • Backdoor Roth Ended up Taxable
Hello fellow Bogleheads,I screwed up our IRA contribution in the 2022 tax year (last year's taxes) as I contributed to my wife and my Roth IRAs (6k to each) in January 2022 and then ended up exceeding...
View ArticlePersonal Investments • Recharacterize Roth contributions to deductible tIRA?
My wife stopped working for pay in 2022. I'm covered by a workplace retirement plan. We have both maxed out Roth IRAs for many years.I recently realized that we could take advantage of a deductible...
View ArticlePersonal Finance (Not Investing) • Form W-4V - How quickly will social...
I want to reduce my withholding for the balance of 2024 and the easiest paperwork is Form W-4V to change my social security withholding. Depending upon how quickly they make the change, I would go to...
View ArticlePersonal Finance (Not Investing) • Texas Franchise Tax Report for ROTH LLC?
Ola Friends!Yes, I am loving my ROTH retirement account with IRA Financial that is based on a single member LLCwith a checking account with Capital One. I am the manager, the custodian is the...
View ArticlePersonal Finance (Not Investing) • Need settlement costs for calculating...
While there is still hope, I can't seem to find any settlement documents for my old primary residence (now a rental) that I plan to sell. How can I find out what my settlement costs were in 2005. What...
View ArticleInvesting - Theory, News & General • Consolidating Vanguard IRA accounts...
I currently have two IRA accounts with Vanguard - a Vanguard Traditional IRA brokerage account I setup directly with Vanguard and a Vanguard Rollover IRA brokerage account from a rollover of an IRA...
View ArticlePersonal Investments • Request for feedback on my plan to "move"...
Hi folks,Could you kindly comment on my plan to move all my fixed income to retirement accounts.Income: 400k-500k/year (work in tech so layoffs can occur anytime)Early 40s, single, no kids, no debt (...
View ArticleInvesting - Theory, News & General • Making Sense Of Treasury ETF's?
https://etfdb.com/etfs/bond/treasuries/Do the BH have a favorite or go to Treasury ETF? I'm trying to decide if I just want to roll my slush into an ETF or buy through my Brokerage? (TD is out, even...
View ArticleNon-US Investing • Any suggestions?(Uruguay 22years old)
Hello,I'm new to this and I've been looking for information online. This is my plan, and I would like to receive some suggestions.Firstly, I'm 22 years old from Uruguay. Currently, I have a job that...
View ArticlePersonal Consumer Issues • best sequence to begin a custom home build?
I'm seeking insights from individuals who have experience with building custom homes. My spouse and I are planning to relocate within the next 12-24 months upon retirement. We've found that the...
View ArticlePersonal Investments • Best 401K Alternatives for 1099 Workers
My wife works as an independent contractor and receives multiple 1099s. Since she doesn't have access to a traditional 401K, we're looking for the best retirement savings options that offer similar...
View ArticleInvesting - Theory, News & General • Managing Market Risk in Holding a...
This is a question regarding dealing with price fluctuations and interest rate risk while holding a TIPS fund. In another thread, it was stated, to the best of my understanding, that a way to minimize...
View ArticlePersonal Consumer Issues • Bavaria Christmas Markets
Planning a trip Dec 1-16 in Bavaria and would like feedback (too much, which markets, highgrade markets since they are all the same...) The wife and I will be traveling by train between cities and...
View ArticlePersonal Finance (Not Investing) • Vanguard: "outgoing wires unavailable...
I was going to send a wire to myself from Vanguard. When I went into the "transfer money" screen the option to send a wire is grey and says "outgoing wires unavailable at this time" and advises me to...
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