Personal Investments • Need help with Roth conversion
We need help with a Roth conversion. We have SEP IRAs valued at around $4.8 million (his: $3 million and hers: $1.8 million) and joint taxable assets of about $650,000.Does it make sense to do a Roth...
View ArticlePersonal Investments • retired and in good health: how to invest inherited IRA
Hello, Bogleheads, I just received 230k inheritance in an IRA.I'm in my early 70s, in good health, and don't foresee needing any cash for at least for 10 years.I'm thinking about one of these...
View ArticlePersonal Finance (Not Investing) • HSA To Be or Not to Be
I love the idea of using an HSA to be able to add to one’s investing dollars. I read about how good of a vehicle it is and want to contribute, but I am very green with the world of insurance and am...
View ArticlePersonal Finance (Not Investing) • Shift from tax-deferred to taxable to...
I started investing late, but have made great progress. Now, my goal is to retire early so I can use my time for hobbies and volunteering. How early depends on a lot of variables but 50 is probably...
View ArticlePersonal Finance (Not Investing) • Umbrella insurance and revocable trust
Travelers denied an Umbrella policy since my properties are deed to my revocable living trust. It never happened before when I have the umbrella with Progressive. Since now I have my other insurance...
View ArticleInvesting - Theory, News & General • Weekly, Monthly, Quarterly Leverage
I discovered a new ETF brand that offers not daily leverage resets, but weekly, monthly, and quarterly leverage resets. This is new to the market I believe, at least for ETFs....
View ArticlePersonal Finance (Not Investing) • Back Federal Income Taxes
I owe about $150K for the past 12 years or so. I was on a payment plan a couple years ago but stopped due to low income and do not have a job right now but have some prospects to make $60K a year.I am...
View ArticlePersonal Consumer Issues • Constantly breaking toilet seats
One of the toilet seats keeps splitting. I was wondering if this could be the material. The current batch of seat appears to be some sort of foam type plastic. I wonder if it would be better to get...
View ArticlePersonal Investments • Optimal way to reallocate large account to 3 fund...
I'm looking to potentially reallocate a family trust with highly appreciated securities but am struggling to figure out if it makes sense and the best way to do it. It's not super over-weight in any...
View ArticlePersonal Investments • TIAA Funds
My wife has TIAA for her 403b. Is there any reason to pick something like TIAA annuity over a regular mutual fund. I recall there is an option to annuitize. Is there a reason tho hold TIAA traditional...
View ArticlePersonal Investments • Bond Choice
Hi!An investor owns Fidelity Bond (FXNAX) because it was the choice in the employer plan and he owns FSKAX and FSPSX as well (total market and total international). The investor also owns VTI and VXUS...
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Personal Finance (Not Investing) • Question on Medigap and "dead pool"
I am looking to (initial) enroll in Medicare early 2025 and have done some research, including several threads here. Have spoke to our state SHIP and they were very helpful in providing me with some...
View ArticlePersonal Investments • Insured Muni Bonds Question
Hello all,I was looking at an insured muni fund: MMIN That's NYLI MacKay Muni Insured ETF(1) Is there any advantage to insured munis? (2) If so, are there other insured muni funds worth looking at....
View ArticlePersonal Consumer Issues • CA Sent me Tax Bill on House Sold 2 Years ago!
Last week, I received 4 letters from Los Angeles County Treasurer stating that if I didn't pay the back due amounts below, I would be sent to collections.Letter 1: $3600Letter 2: $3250Letter 4:...
View ArticleInvesting - Theory, News & General • Do I get the dividend if I sell the...
So VTI's ex-dividend date was 9/27/2024 paying $0.8707/share. If I sold VTI on 9/27, would I get the $0.8707 dividend?If my goal is to limit dividend income, do I need to sell the stock before the...
View ArticlePersonal Finance (Not Investing) • Cash Inheritance
I have a friend at work who's husband's father just passed. He had a will and lived in Delaware. However, he also had about $450k in cash in his house due to a distrust of banks. There are 3...
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Personal Finance (Not Investing) • JPM Chase Taxable Brokerage, Revocable...
A family member has a revocable Trust in AZ that contains the primary assets (house, car, day-to-day checking). Seems like everyone there has a revocable trust, but few actually properly implement...
View ArticlePersonal Investments • what to do about rental property investment?
For a long time I lived in my owned condo. I moved out due to family situation and then converted it into a rental property. It's coming up on 1 year now and I have the option not to renew the lease....
View ArticlePersonal Investments • Fidelity not allowing Roth conversion citing industry...
I contributed $7000 to my Traditional IRA account last week, and the amount has settled. However, when I attempted to do the conversion to Roth, it says the amount of cash available for withdrawal in...
View ArticlePersonal Investments • Question about TIAA-CREF "Annuities"
My wife's family is trying to get a better handle on her father's retirement accounts. She has asked me to help understand his TIAA-CREF retirement portfolio. While I understand stocks, bonds, mutual...
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