Personal Consumer Issues • HAM Radio Operators?
I am a somewhat nerdy, retired engineer (12 years) -- with time on my hands and looking for a hobby. I have two friends who have been putting a little pressure on me to get my Ham Radio license and...
View ArticlePersonal Investments • Why is Roth 401k not as preferred as backdoor Roth or...
I see some conversations here on Roth Conversions, backdoor Roth IRA and some times Mega backdoor Roth. If employer offers Roth 401k option, why is that not preferred to Roth IRA.Are there any...
View ArticlePersonal Investments • Holding Dividend ETFs
I am a 25 year old federal employee. Before I started with the Bogleheads approach, I followed advice from an older family member and mimicked much of what they were doing in my Roth IRA. Their...
View ArticlePersonal Investments • Cashing in Before RMDs
I am 72 and will start RMD withdrawals next year. I am currently living comfortably on Social Security with an occasional top up from my IRA. My question is about timing on selling stocks. I also have...
View ArticleNon-US Investing • "Vanguard Variable Annuity" in Germany
I have two non - qualified Transamerica Value Variable Annuities aka "Vanguard Variable Annuities" from 2001 and 2010, and am thinking about retiring in Germany. Some US annuities are subjected to the...
View ArticlePersonal Investments • Short-term reserve mix, in a high rate environment
I'm a 3-fund portfolio portfolio investor, with net worth of 4.5M, with the following mix, where only 150k of it is in short-term reserves2.9M: Index funds (3-fund portfolio (+SCV) in taxable and...
View ArticlePersonal Finance (Not Investing) • If and when to stop pre-tax contributions?
BHs:I was talking about the utility of continuing to contribute to pre-tax with a friend of mine and it raised a few questions in me. Is there a magic number?At what point does it become too much -...
View ArticlePersonal Finance (Not Investing) • Simplifying
The old remark is that one should make things as simple as possible, but not simpler. I have reached the time in my life where I am striving to make things simpler. Here are things I contemplating...
View ArticlePersonal Investments • Worth considering an unconventional approach to fund a...
My retirement planning situation is slightly different from most people. I am planning to leave a significant bequest to my two children. More unusually, I have a teenaged child with severe autism who...
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Personal Finance (Not Investing) • I'm 46 years old and have been unemployed...
My entire team was laid off as part of a restructuring mid last year. I work in data, analytics, BI, etc. I was in a middle management role, just below Director, making about $200,000 a year after...
View ArticlePersonal Finance (Not Investing) • 46 y.o. - continue maxing tax advantaged...
46 y.o. married with 3 kids.2.467M invested across retirement accounts and brokerage (Vanguard 3 fund simple 83/17 allocation)263k in 529325k annual income 125k home mortgage (650k value) 2.5% fixed...
View ArticlePersonal Finance (Not Investing) • Tax issues discovered during early Roth...
Hello dear bh community, While planning to withdraw some of the basis from my Roth account and checking out the IRS forms I would need to fill out to do so, to my dismay I realized that I didn't even...
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Personal Investments • Target Date TIPS ETFs - are they a good value?
I have searched for information on the wiki to help me understand the Black Rock series of ETFs but there does not seem to be any information about how they work. I know they have been mentioned here....
View ArticlePersonal Investments • Managing MAGI on the edge of IRMAA cliff
As the title suggests, I’m approaching a potential income cliff this year. As much as I can, most of fixed income is in tax deferred. In taxable, I currently hold cash in a treasury money market fund...
View ArticleForum Issues and Administration • Might we relax requirement to post AI prompt
Concerning this rule:AI generated content in replies must be explicitly labeled as such and must include the source and the search term or query used to generate the response.I wonder if it would be...
View ArticlePersonal Consumer Issues • Strategy for Dealing with Homeowners insurance...
We ended up with bathroom flood from a broken supply line in our second floor bathroom which cascaded down to the first floor living room area and then into our basement. We had a restoration company...
View ArticlePersonal Finance (Not Investing) • VG passkey label revision?
As probably every VG user has experienced by now, when logging days you are prompted to create a passkey.Having investigated this, it seems like the preferable choice. I was also happy to see that...
View ArticlePersonal Investments • Early withdrawals from Roth accounts
Hello, I have the learned the following about early (before age 59.5) withdrawals from Roth accounts, mostly from AI. Can someone please confirm one or more of these statements and provide...
View ArticlePersonal Finance (Not Investing) • Wondering About Pros and Cons of...
We live in a lower-middle-class area of a medium-size city. We could afford to move to a more upscale neighborhood, but we have lived here a long time and we're in a convenient part of the city for us...
View ArticlePersonal Investments • $114K to be withdrawn in 2-3 years
Hi Friends,My friend is gifting myself and my child $19K each/year for three years to help build toward a down payment on a future home. This is exceptionally generous, and it’s the first time I have...
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