Personal Investments • Portfolio Review - Two Teachers, Zero Pensions
Hello Bogleheads! Long time reader and first-time poster here. Thank you to everyone in this amazing community for helping to educate me! I am very grateful for the incredible wealth of knowledge that...
View ArticlePersonal Finance (Not Investing) • Using IRS Form 5498 - How do I reconcile...
[Moved into a new thread from: How to calculate Roth contributions vs earnings --admin LadyGeek]You receive a 5498 form every year that you contribute to an IRA. That form shows your contribution in...
View ArticlePersonal Finance (Not Investing) • Chase Private Client bonus question: what...
I saw the offer to upgrade to Chase Private Client and get $3k bonus. But I'm very confused on what accounts count towards the required assets. The offer terms say:What DOES NOT count: JP Morgan Self...
View ArticlePersonal Finance (Not Investing) • FICO score dropped on usage, anything to do?
I had to activate Experian as I needed to thaw my credit for a check.I kept ignoring the usual emails/marketing from them, till I noticed "your credit score has dropped".I checked the account and my...
View ArticleInvesting - Theory, News & General • expected stocks dividends on total...
Hello all,I hold pretty much a three fund portfolio: total US stock fund (45% of total), total international stock fund (15%), total bond fund (20%), and some CDs/money market (20%). My question...
View ArticlePersonal Finance (Not Investing) • How Much House Can a Couple Afford Based...
Dear BHs,I've seen various guidelines on how much house a couple can afford based on household income. The common understanding is that total monthly payments (mortgage, property tax, HOA, P&C...
View ArticleInvesting - Theory, News & General • Is Schwab having issues in the...
Recently a family member sent me a video from a YouTuber (yes, I know..) about Schwab potentially moving out of banking. Here is the link if you're interested:...
View ArticlePersonal Investments • Holding Stocks and Bonds in both Taxable and Tax...
I currently have on the Tax Advantaged side a combo of Roth 401k, Roth IRA and then a couple Deferred Compensation type plans from work. Then I also have a decent chunk in Taxable at Vanguard split...
View ArticlePersonal Finance (Not Investing) • HSA Contribution question
Hi, Prior to this year, DW and I were on our own employer healthcare plans, each of which were HDHP. We each have our own HSA accounts, and until now, we each made our own HSA contributions up to the...
View ArticlePersonal Finance (Not Investing) • Please Help Me Pick Insurance for the...
Hello all, Im under 25, I just got a job and I need to pick health insurance for the first time. Also, my parents cannot afford to put me on their plan right now. I understand this is super personal...
View ArticlePersonal Finance (Not Investing) • Citi Credit Card website is next to...
For those that have Citi credit cards, have you noticed that their site has become extremely slow? I cleared my browser's cookies and private data multiple times and still am not able to view previous...
View ArticlePersonal Finance (Not Investing) • Question on SSA-44
I have done conversions the last 2 years that put us over the IRMAA thresholds but didn't think I would go on Medicare for another 2 years. (Was on DW's employee insurance). She lost her job and now...
View ArticlePersonal Finance (Not Investing) • Still awaiting delivery confirmation for...
I mailed my 2023 Federal returns, as H&R Block had difficulty properly handling income from Treasury Accrued Market Discount. I owed ~$1,200, but I met the safe harbor provisions. For the amount...
View ArticlePersonal Investments • Why are my Vanguard bond ETFs all down?
I’m curious as to why my Vanguard bond ETFs are all down. I have the following Vanguard bond ETFs:Total Bond Market (BND)Total International Bond Index (BNDX)Intermediate Term Corporate Bond...
View ArticlePersonal Finance (Not Investing) • Paying off car loan
So, I’ve made the decision to pay off my car loan after reading many similar posts asking for advice. It isn’t a Boglehead-ish loan, here are some details.Loan Amount: $35.5kInterest Rate: 6.79%Term:...
View ArticlePersonal Finance (Not Investing) • Parents' estate: Go to reference or guide?
Hello,Situation: My father has been diagnosed with a bad illness. My mother is already disabled. My father has not done well documenting his finances and he owns a business. He’s come for me for help...
View ArticleInvesting - Theory, News & General • How to evaluate TIPS secondary...
I recently purchased $50K worth of TIPS on the secondary market on Fidelity. Here's how I evaluated the purchase. Since this is my first time purchasing on the secondary market, I want to know if my...
View ArticlePersonal Finance (Not Investing) • Insurance money
Living in hurricane prone area. If my house sustained a total loss, have to demo and build new. Being 70+ years old, have no intention of dealing with new building codes, material shortages and...
View ArticlePersonal Investments • HYSA emergency funds vs 401k company match
I had a family emergency due to which my emergency funds got severely depleted. Now I am building them back up. I am also looking to contribute to 401k for a 6% company match. The emergency funds are...
View ArticlePersonal Consumer Issues • Should I form an LLC for a rental property?
Wondering if I should create an LLC and transfer my rental house to it.The major benefit as I understand it would be a layer of protection from lawsuits.The house is paid for so no problem with a...
View Article