Personal Investments • QCD vs Deduction
I'm trying to understand the difference on tax liability between a QCD and an itemized chartitable deduction.My wife (65) inherited an IRA from her aunt when her aunt passed away.We were required to...
View ArticlePersonal Consumer Issues • Is a check book for heloc more risky then checking...
I have a heloc checkbook from Third Federal, with $300k credit, my assumption is, this checkbook is more risky then the checkbook for my regular bank checking account with a account balance averaging...
View ArticlePersonal Investments • HSA Investments and Consolidation
I have recently taken over my father's finances and I need some help navigating the world of HSAsHe currently has 2 HSAsOptum Bank - $350 Health Equity - $2350Both of them also have Investment...
View ArticlePersonal Investments • Is this a "good enough" international fund?
Hi Bogleheads,DW has this international fund in her 457b - State St Gbl AllCp Eq ex-US Idx SL Cl II. Net Expense Ration is 0.0450%Is this a "good enough" international index fund to hold? Fund...
View ArticlePersonal Finance (Not Investing) • 2nd Home - Vacation House - Any Regrets?
Lake house, ski cabin, what did you buy and would you do it again?I would like to have a lake house on the nearby lake but seems like a bad financial move overallStatistics: Posted by Front Toward...
View ArticleInvesting - Theory, News & General • What drives gold prices?
So I understand that rising interest rates normally drive gold prices down but didn’t recently because foreign governments are buying tons of gold.But I recently read that a bond crisis would force...
View ArticlePersonal Consumer Issues • Gaming PC Suggestions
My son is highly interested in aviation and wants to get Microsoft Flight Simulator 2024. The minimum specs mentions graphics cards and various things I know nothing about. Can anyone point me to the...
View ArticlePersonal Finance (Not Investing) • Evaluating financial decision to sell...
15 years ago, I purchased a 2 family house that we lived in unit 1 and rent out unit 2. I never thought about it as an investment and it did suit out needs for 10 years. 2 years ago, we decided to...
View ArticleInvesting - Theory, News & General • Morningstar redefines growth/value...
Morningstar style box for VTI (as an example) was concentrated in large growth (35%+), and has been adjusted to approx half growth half value. Moving the goal posts to accommodate Mag7, seems a little...
View ArticlePersonal Investments • Big purchase in 4-years
Hi Bogleheads,Exploring options for where to stash funds for a down payment on a house in May 2028. I have the funds for the down payment (i.e., no growth needed), but I’d like to compete with...
View ArticlePersonal Investments • Multiple retirement accounts available - how to maximize?
DW recently started a new job with an unusual retirement plan situation. Her position is funded from 2 different employers (Employer A and Employer B). Both employers offer separate 403(b)s, which...
View ArticlePersonal Investments • FRBQX zero fee TDF??
Anybody seen this fund? I noticed on Fidelity it has zero expense ratio and it was under “zero fee fidelity funds.” At first I was excited but upon looking at it it seems to be the same as other...
View ArticlePersonal Consumer Issues • Bike basket
Hi Bogleheads!I would like to get a sturdy metal basket for the rear of my bicycle that is large enough to hold things for running errands near my home, for example:- multiple cartons of eggs- library...
View ArticlePersonal Investments • Cost basis step-up for a joint owner account
I'm trying to figure out if I am entitled to a cost basis step-up in the following scenario:Background:I opened a brokerage account in 1996 and have been using it to purchase stock and deposit my...
View ArticlePersonal Consumer Issues • Fidelity Debit Card
Received new debit card. I only use it for ATM withdrawals. Original card was linked to my Fido checking account. New card linked to my brokerage core account. Cannot get it straightened out. Spoke to...
View ArticlePersonal Finance (Not Investing) • Investment Land Cost Basis--Interest...
Purchased some raw land several years ago and recently sold it. I'm trying to determine what costs exactly I can assign to the cost basis.Specifically I'm trying to determine whether interest I paid...
View ArticlePersonal Investments • Need Help with Selecting an Allspring Fund
I am divorcing and as part of the agreement, my husband will be transferring 50% of his Allspring account (Growth-A) to me. My share will be about $75K. I do not have an Allspring account currently...
View ArticlePersonal Investments • Backdoor Roth IRA
Probably a dumb question. I transferred money from my bank to taxable account at Fidelity and was planning on waiting for funds to clear before transferring to tIRA and then Roth IRA. Is that okay? Or...
View ArticlePersonal Finance (Not Investing) • AirPod case through washing machine
Left my AirPod case (I don’t know which make but I got them at Costco about 4 months ago) in pant pocket and went through the washing machine. Took out and it seems OK and now just leaving on counter...
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Personal Finance (Not Investing) • Refinance variable rate student loans?
(long-time lurker, first time poster )I have about $21,000 in variable rate student loans. About half are 30-day SOFR + 1.5%, the other half + SOFR 2.05%. In total they are at 6.64% and 7.19% right...
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