Personal Investments • Fidelity 403b; both Roth & Pre-tax acct; strange...
I have a Fidelity 403b and within that, I have both a Roth & Pre-tax acct. Apparently the Plan Rules put some imcomprehensible restrictions on changing asset allocations within them when you have...
View ArticlePersonal Investments • Check Up on Investment Approach for Age 55
Emergency funds: Two months (I have an extremely stable government job and good free cash flow)Debt: Mortgage $219K @ 3.5%. House value around $1.2M and exhibiting marked appreciation in central...
View ArticlePersonal Investments • Didn’t file 8606 forms with taxes
I recently realized my husband hasn’t filed the 8606 forms for the multiple times I’ve done after tax IRA contributions and then “immediately” converted to Roth (including when he filed our taxes just...
View ArticleInvesting - Theory, News & General • Transferring traditional IRA from...
Question about transferring a traditional IRA from one mutual fund company to another.I know that I can initiate a trustee to trustee transfer where the mutual fund company in which I have the IRA can...
View ArticlePersonal Consumer Issues • microscope
my grandson, four years old, loves images. the illustrations in his books interest him more than the stories, and he also sits happily for ages "reading" the newspaper (yes, we still get a hardcopy...
View ArticlePersonal Finance (Not Investing) • Maximum contribution limits, Politico...
https://www.politico.com/news/2024/04/1 ... t-00150319I just read this article. They mention that you currently can put $452,500 in a tax advantaged account, but don’t describe the process in detail....
View ArticlePersonal Finance (Not Investing) • How to figure out estimated taxes when...
I lost my job in Nov ‘23 and so far for 2024 my income comes from severance paid in early 2024, unemployment (6 months worth paid out starting in Jan 2024, payments will end in mid May) and dividend...
View ArticlePersonal Consumer Issues • Security checklist
Various threads keep popping up here on the forum about identity theft, ACATS fraud, ACH fraud etc. etc. so I thought i'd create a thread here to distill all the key pointers that one should do to...
View ArticlePersonal Finance (Not Investing) • Large down payment vs investing
Hello,After personal savings and a recent sizable gift, my wife (30) and I (31) have $235k to use responsibly towards our first home purchase. We have historically subscribed to the boglehead way of...
View ArticlePersonal Investments • Best Strategy To Sell/Divest from "Mining"...
Like many others, during 2020 I bought a lot of stocks that were on sale due to the Pandemic. I'm dividing them into various categories and strategizing what to do with them.At one extreme are the...
View ArticlePersonal Finance (Not Investing) • We want to retire?
Good morning,Ok, we're a married couple in a no-income tax state, ages 55 (me) and 49 (spouse). We want to retire in one or two years to focus on experiences while we're still relatively young. My...
View ArticlePersonal Investments • Small Business 401k providers with flat fees
Are there any small business 401k providers with flat fees that allow inbound rollovers? Specifically plans that would allow for non-owner employees (i.e. not Solo 401k)All the ones I've looked at...
View ArticlePersonal Finance (Not Investing) • Fidelity CMA Routing number change?
It's great news that beginning in June, Fidelity will allow SPAXX as an alternate sweep in their CMA. However, the Routing number on CMA checks is that of UMB bank. If the sweep is changed to SPAXX, I...
View ArticlePersonal Consumer Issues • 2024 Ford Escape
Every time I have logged in over the past few weeks an ad comes up from a local car dealer for a 2024 Escape with the sticker being 32K, It's starting to pique my interest.Called the dealer and they...
View ArticlePersonal Finance (Not Investing) • Is opensocialsecurity site no longer in...
I learned about this Mike Piper's opensocialsecurity site to calculate timing on taking social security for me and my husband. I used it in the past and it worked fine. A few days ago, I recommended...
View ArticlePersonal Investments • Using brokerage account dividends versus selling...
Hi, I am age 45, and working part-time earning enough to cover our expenses (coasting). I have the option of contributing $23,000 to my 401K, but if I do so, I estimate that my income will not be...
View ArticlePersonal Investments • Early Pension Investing Options
I worked for a US state for a couple decades, which entitles me to a pension. The pension can be accessed early (age 50) with a sizeable reduction factor which decreases monthly for 120 months. The...
View ArticlePersonal Investments • Where to invest after maxing out 401k and roth?
Hi all,I would like to ask your opinion about how I am doing with my finances. I think overall I am making good choices but want to see if you have any additional thoughts on how much I am investing,...
View ArticlePersonal Investments • S Corp Sold Shareholder-Increase Wages for 401K or...
I'm 58, single, and earn about 80k a year from a side gig S corp, I haven't been paying myself a large wage, usually around 30K a year. My wages goes 100% into a 401K contribution each year.I don't...
View ArticlePersonal Finance (Not Investing) • Do I need to file state tax return?
Dear Bogleheads,I am currently working on my 2023 federal and state X (my home state) tax returns using H&R Block software. Also, I have a rental property located in state Y. After accounting for...
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