US Chapters • NYC Chapter - 2024
Hi boglehead familyI am 25, in NYC, come from a first generation family, and have just begun my investing journey for the long term. I've been blessed with my career opportunities and inflated...
View ArticlePersonal Finance (Not Investing) • moving/building, cap gains, home sales
I'm reading through some IRS stuff on home sales and taxes. A question or three remain.We could likely sell our home for less than 500,000. We'd consider building in another area, timing of which we...
View ArticlePersonal Finance (Not Investing) • Home insurance deductible - ways to pay?
Hello All,It is my first time filing a home insurance claim after natural disaster damages. How do I pay the deductible i.e. can I use credit card or the amount of payout that insurance will give me...
View ArticleInvesting - Theory, News & General • How do you invest your required...
I'm not at RMD age yet, but I'm already thinking about how to invest my RMD funds once they're out of my tax advantaged account. I'm also assuming that many here generally do not spend all of their...
View ArticlePersonal Consumer Issues • Where in Virginia to look for land/home
We are considering a move. Our first home was a good started on 1/2 acre, walkable neighborhood. We are not sure we would go back to that small of an area again.Current home is 10-20 acres, with some...
View ArticlePersonal Finance (Not Investing) • How much house to comfortably afford?
Hi all. I might be losing track of things since paying off my house, but I was curious everyone's thoughts on affordability.Me 37, Wife 36, 1 child 3 years old, 1 child on the way. My wife wants to...
View ArticlePersonal Finance (Not Investing) • Schwab account access options for adult...
Our youngest turned 18 (oldest 22) and are in the process of opening checking/brokerage accounts at Schwab to complement their Roth IRAs. My wife and I have been with Schwab for years.What is the best...
View ArticlePersonal Finance (Not Investing) • How much $$$ do you need to forego...
DH and I are 56 and 57, me healthy and him potentially uninsurable pending a diagnosis. We have a net worth of $3.5 million, including our house, although a good chunk of it is taxable. Financial...
View ArticleInvesting - Theory, News & General • LTCG calculation question
To calculate LTCG you need to know the 'income' as it will determine how much will be taxed at 0%, 15%, 20% and if NiiT applies. Plenty of calculators online that will let you plug in the numbers...
View ArticlePersonal Investments • Withdrawal
So I have figured my withdrawal rate from my 403b, IRA and Roth IRA, with input from the group here. I will start withdrawing next week. Now I would like some advice on how to withdraw the amount,...
View ArticlePersonal Consumer Issues • HOA - Advice Needed
Hello,I'm looking for some advice on how, or if, to respond to a notification sent to owners in our HOA-managed townhome community. Essentially, instead of maintaining pressure washing...
View ArticlePersonal Investments • Funds similar to VTI for retirement account
Hi, I have VTI in my taxable account. What are funds similar to VTI that I could have in retirement and not worry about a future wash sale? Is ITOT ok to have in retirement? Thanks in...
View ArticleInvesting - Theory, News & General • Private Credit 'No Extra Gains After...
Bloomberg reported today that "Private Credit Offers No Extra Gains After Fees, New Study Finds". I can't share the article, as it's behind a paywall. If interested, however, here is the abstract from...
View ArticlePersonal Investments • Are bonds necessary if you're getting a pension?
I'm currently 30 and 100% invested in equities contributing 7% of my pre-tax income to a 403(b) and around 5% of my post-tax income to a Roth account, all in a mix of low-cost US and total world...
View ArticlePersonal Finance (Not Investing) • Is Chase Sapphire Reserve still worth it?...
Cost is $550- used to be $450.It seems like they offer less airlines than in the past. When I was looking for a nonstop flight TPA-LAS, the only airlines that fly nonstop are Southwest and Spirit, and...
View ArticlePersonal Consumer Issues • Data driven run maximization in Youth baseball...
Hey wise bogelheads, fun question for you. How to maximize runs per game in a Pee-wee 7 LL game. I have some data for you below, but admittedly not enough (slugging percentage, RBIs ect). Here are the...
View ArticlePersonal Investments • Considerations for TIPS and I bonds--best mix for us?
Spouse and I are approaching full retirement, and the de-accumulation phase. We have already made the decision to put roughly half of our investments into some combination of TIPS and I Bonds in an...
View ArticleInvesting - Theory, News & General • Vanguard LifeStrategy...
I am currently planning to increase my equity allocation to +/- 90% with the intention of holding that aggressive allocation through retirement and have narrowed my preferred options for doing (in my...
View ArticleInvesting - Theory, News & General • How are availability of options...
Some stocks have tons of option chains available, at many different expiration dates. For example, SPY has one almost every day. Others, like VXUS have them approximately monthly to quarterly. Who...
View ArticlePersonal Finance (Not Investing) • FERS Annuity Calculation
Hello Community,Does anyone know if there is a calculator to determine FERS annuity benefit payment? I'll have about 35 years by the time I meet the MRA of 57. I am trying to figure out what the...
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