Personal Investments • Should I Open a Solo 401k?
My employer has a 401k plan and the Net AMC/Asset Fee is around 1.90% for all the investment options and there is also an additional Net Exp Ratio of 0.30 to 0.60% bringing the Total Annual Operating...
View ArticlePersonal Investments • Stress Testing My Portfolio
I'm retired and not collecting Social Security (age 60). I'll be glad when I start collecting as I am a nervous Nellie. I am thinking about collecting at 62, but that's not the feedback I'm looking...
View ArticlePersonal Finance (Not Investing) • Best way to gift a real estate property to...
I own a condominium that has current market value of approximately $250K. I'd like to gift this to my brother in a way so he pays the least amount of tax. I'm in California if that matters.He's never...
View ArticlePersonal Finance (Not Investing) • Question about Genworth Haney Settlement
Like others who have posted here on this topic, I am wrestling with whether to accept one of the Haney-settlement required options for reducing my current Genworth LTC premium in light of anticipated...
View ArticlePersonal Finance (Not Investing) • Bay Area ACA plan - Balance by CCHP (best...
Seeing as how worrying about healthcare during FIRE is a national pastime around here, I looked up my options on the exchange, and came across this plan on Covered CA for residents of San Francisco...
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Personal Investments • Using money in Vangard to buy a 3rd investment property
New to this forum and fairly naive on investment strategies. 13 years ago I bought a home outright w/my lifetime saved $. That house has appreciated exponentially (SF Bay Area) and in 2019 I was able...
View ArticlePersonal Finance (Not Investing) • Outsourcing tax preparation and requesting...
We have hired a tax professional to prepare our taxes the past few years. The firm is small with several staff and is owned and operated by an individual trained as a lawyer who is also an Enrolled...
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Personal Investments • Disentangling Managed Portfolios
Hi Bogleheads,I'm trying to invest using a boring 3-fund portfolio, with VTI and VXUS for stocks. I've also inherited a managed portfolio, which was composed of 40(!) ETFs and other weird stuff. I'm...
View ArticlePersonal Investments • Real estate divided. How to determine cost basis.
Hello friends. A 31 acre centennial family farm is being sold. The property passed to its current owners 5 years ago. The tax assessed value was going to be used to evaluate any capital gaines at time...
View ArticlePersonal Investments • Portfolio Review + Can I FIRE in 6 years?
Greetings! I've been absorbing a lot of great info, and have received help from the wonderful community here both directly via a couple posts I've made, and indirectly via lurking the forums.I've...
View ArticlePersonal Finance (Not Investing) • Leasing land to Son
All,Please advise. My adult son is wanting to buy his first home and we would like to help him. My wife and I own a one acre property on a lake near our primary home. We are both 68 years old. We...
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Personal Finance (Not Investing) • Jumbo Roth Conversion vs Spreading It Out?
As the title suggests, we are contemplating a major move with our Roth conversions, and are seeking all the input we can get before pulling the trigger later this year. I delayed posting until...
View ArticlePersonal Investments • Any changes to real estate commissions yet?
In light of the law suit earlier this year? It seems everyone talked about the percentage rate of commissions coming down. Has anyone seen a change? I know the ruling doesn’t take effect until this...
View ArticlePersonal Investments • How to proceed with mother's financial planner
My father passed away in February. He had worked with a financial planner, who is the son-in-law of an original "friend" financial planner. My father did speak to my mother about finances, but it was...
View ArticleInvesting - Theory, News & General • Age 54-59 Roth conversions??
Considering the 5 year rule for Roth conversions, my question is does the 59.5 age rule precede the 5 year rule?In other words, if I make a Roth conversion when I'm 55-58 can I withdraw them at 59.5...
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Investing - Theory, News & General • "Bogleheads on Investing"...
Our "Bogleheads on Investing" podcast continues to gain popularity. We had over 500,000 downloads last year, and the total downloads surpassed 2 million last week. Bogleheads on Investing podcastRick...
View ArticlePersonal Investments • Stock Options - Startup Merge
I worked at "Startup A" a while ago. "Startup A" merged with "Startup B" recently. This is not an acquisition, but a merge. "Startup C" is the new company. What happens to my stock options that are...
View ArticlePersonal Finance (Not Investing) • Just got laid off - Coast Fire and...
I was recently laid off and will receive severance of almost one year. I have been looking for a new job prior to the layoff, since January, but the job market hasn’t been great. I’m in the final...
View ArticleNon-US Investing • Before filing I-407 and trigger form 8854 (am I missing...
My wife (US Citizen) and myself (US-LTR) are living in Norway.I wanted to check if there is something important to think about before I pull the trigger on I-407.I checked all the accounts and using...
View ArticlePersonal Finance (Not Investing) • Advice re: prior authorization mess-up on...
In short,1) UHC (under contract with my insurance provider GEHA HDHP) incorrectly relayed to the provider's office that no prior authorization was required, whereas it should have stated that the...
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