Personal Finance (Not Investing) • Reducing W4 withholding to reduce safe...
I have already exceeded IRS "safe harbor" limits in my withholdings this year. I am thinking about stopping all W2 withholdings in order to maximize the amount I owe next april without a penalty...
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Investing - Theory, News & General • Preaching to Choir, But Why I Love HSAs
Caveat: I DO NOT love HSAs as a workaround to the Medicare and SS we have all paid for, all our working lives. Felt I should say that.That said, I love what they can do for me as someone who can't get...
View ArticleInvesting - Theory, News & General • New Burton Malkiel Portfolio:...
In the 2023 edition of “A Random Walk Down Wall Street,” Burton Malkiel presents a sample portfolio recommendation:A SPECIFIC INDEX-FUND PORTFOLIO FOR INVESTORS IN THEIR MID-FIFTIES 55% Stocks27% U.S....
View ArticlePersonal Finance (Not Investing) • Backdoor Roth IRA + possible Inherited...
Hi Bogleheads,As of yesterday I received a temporary TSP account (90 day limited) with Traditional contributions. At the start of January each year, my spouse and I do the classic Backdoor Roth IRA...
View ArticlePersonal Finance (Not Investing) • Pharmacy claim miscoding + HDHP
I have been prescribed a very common medication which is undergoing a severe supply shortage, especially for the generic. My prescription is for the generic but my pharmacist informed me that they...
View ArticlePersonal Finance (Not Investing) • Residential Energy Credit IRS Audit
So I installed solar panels on my home in 2022 and claimed the Residential Energy Credit (form 5695) on my Tax return (I do my own taxes with Turbotax). I'm pretty sure I have all the documentation to...
View ArticlePersonal Finance (Not Investing) • Stable version of KMyMoney for Mac ARM64
Anybody using KMyMoney on a Mac (ARM64/non-intel)? What version are you using and where did you get it?I'm trying to find the last stable version.I looked on their website download section and...
View ArticlePersonal Finance (Not Investing) • How are we doing? 2nd kid on the way
Hi everyone,I don't post much but I read quite often. I started a thread about 3 years ago and received some great advice about my wife and I's financial situation. (link to previous thread if...
View ArticlePersonal Investments • Portfolio Balancing Question
Hello all, So we have been fortunate to reach our FI number early on. We have been in 100% equities as we just turned 40, so the horizon is long. Now that we are at the number, we are discussing...
View ArticlePersonal Finance (Not Investing) • S Corp and deliquent 5500EZ filing
Context:I have two Keogh plans: money purchase and profit sharing plan I had established when I consultant way back in 1997. I had an S-Corp and my consultancy was done under that. My company created...
View ArticlePersonal Investments • 529 -Saving for college education
Hello I am 44 Yrs old.Have 2 kids, 10 and 6.I would like to fund my kids education completely.Currently has two 529's accounts for each kid, one for the state we live in (tax deduction), Nevada-VG.10...
View ArticlePersonal Consumer Issues • Fidelity Login Problem [Not receiving 2-Factor...
Have been unable to receive 2FA codes todayStatistics: Posted by Red Spot — Fri Oct 04, 2024 6:04 pm — Replies 5 — Views 284
View ArticlePersonal Finance (Not Investing) • “55 Rule” - what if company is bought out...
[Topic is now in Personal Finance (Not Investing) - mod mkc]I’m planning on pulling the plug at 55.Everything’s great, financials are all in check, zero debt, mortgage is paid off and we have 2X what...
View ArticlePersonal Finance (Not Investing) • Ideas for teenager to hold...
Our child is a freshman in high school. Especially as part of marching band but as a high school student in general time and time again this year he is borrowing a dollar, or $10, from a friend...
View ArticlePersonal Investments • Investing 360k in Kids’ Roth
Hello all, wanted to get your thoughts on best investment of $360k for an aggressive portfolio for each of my daughters (ages 13 and 15) based on the following:-Each has Inherited Roth IRA Trust...
View ArticlePersonal Investments • Bond fund fees higher in Fidelity 401(k) than Vanguard...
I have BND in my Vanguard IRA account and the Fidelity Intermediate Bond Fund in my 401(k) account. The former has an expense ratio of 0.03% and the latter 0.17%. I feel like I should not pay the...
View ArticlePersonal Finance (Not Investing) • Transfer old employer sponsored HSA
We use my wife's employer's health plan. Her employer has changed HSA custodians 4X in 7 years (Further > Health Equity > Wex > Voya). The transition from Wex to Voya took place at the start...
View ArticlePersonal Consumer Issues • Allocation of Tip Money in a Restaurant
Tonight my spouse and I ate at a high-end restaurant to belatedly celebrate her birthday. Very pricey, but the meal may have been the best I've ever had in my life. The food was impeccably prepared,...
View ArticlePersonal Investments • convert mutual fund to ETF equivalent only at issuing...
My siblings and I have inherited some mutual funds. The largest holding is VTSAX now in the trust's Vanguard account. We may be interested in converting VTSAX to VTI. Can this only be done in a...
View ArticleInvesting - Theory, News & General • For stocks, you can set it and...
I’ve been pouring over this forum, trying to learn as much as possible about bonds. And I feel this has made it even more difficult to decide on the “set it and forget it” fixed income side of my...
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