Personal Investments • Can we spend (donate) more
Over the years I have relied on Bogleheads for financial advice either by direct posting or reading others financial stories. So once again I ask for your guidance. I retired nine years ago and have...
View ArticlePersonal Finance (Not Investing) • Quarterly Estimated Taxes for Taxable...
This is my first year in retirement and a good part of my income comes from my Vanguard taxable account. How do others figure out their estimated quarterly taxes to pay for federal and state taxes?In...
View ArticlePersonal Consumer Issues • Any free desktop offline password managers with...
Just like the title says: Are there any free desktop offline password managers with a built-in authenticator?Do they exist?Any you can recommend? A desktop authenticator without a password manager is...
View ArticlePersonal Investments • I will contribute too much into my HSA this year....
I was having my employer automatically take money from my paycheck and depositing that into my HSA at Fidelity. For several weeks after our benefits reset they quit automatically contributing and...
View ArticlePersonal Finance (Not Investing) • Taking depreciation with rental income
I have a rental home that I am looking to sell next year so I will need to pay back depreciation recapture. Are you required to take depreciation every year if you already start taking it for multiple...
View ArticleInvesting - Theory, News & General • 16 years before Dow came back??!!
Today I listened to this:https://www.whitecoatinvestor.com/the-o ... -+15275647The Only Investment Guide You’ll Ever Need with Andrew TobiasDuring it Andrew Tobias talked about remembering the day in...
View ArticlePersonal Finance (Not Investing) • Qualification for capital gain excursion...
I am trying to understand the qualification of my home sale from Capital Gain excursion.I have a house in NYC where I lived from 2009 until August 2022 then as of Sept, I have moved to NJ, updated...
View ArticlePersonal Finance (Not Investing) • Payment of taxation of needed withdrawals...
Going through and looking at things like VPW where you withdraw a certain amount from your investments monthly.Assuming dividends and RMD and pensions don't cover your usual and customary monthly...
View ArticlePersonal Finance (Not Investing) • Irrevocable trust situs: Home state vs...
Where should I situs a trust that is an irrevocable non-self settled trust (SLAT)? Instead of my home state (GA), go to DAPT state based on other factors aside from asset protection?Background:My wife...
View ArticlePersonal Investments • Short selling vs buying puts vs inverse ETFs
What would be more cost efficient? To short sell the individual company stock or to buy puts for this company or to invest into single stock 1x inverse ETF for this company. In other words under which...
View ArticlePersonal Finance (Not Investing) • CA resident - FRSXX vs FTCXX
Just wondering how can I calculate which one offers better net return for a CA resident? Marginal Tax rates:Federal: 35%State: 10.3%FRSXX - Fidelity Investments Money Market Treasury Only - 7 Day...
View ArticlePersonal Finance (Not Investing) • Hit by car . Insurance advise
So I’m in no fault insurance state. My vehicle was hit by an other vehicle as I stopped at a red light. The other driver admitted fault.My insurance is saying that I’m responsible for my share of...
View ArticlePersonal Investments • Windfall, retired, total newby
Greetings, I'm new to this so I'm going to try this out. I am married, retired, 71 and 73. I have no experience with investing and feel kind of silly that I never paid any attention before... I...
View ArticlePersonal Investments • Life change Year minus 3/4
Hi all,I'm 48 and my wife is 45. We have 2 kids who will go to college 3 years from now. At this point, we plan to change something in our life. Nothing really decided yet, but certainly we want to...
View ArticlePersonal Investments • Where to get accurate information on planning for...
Hello everyone, I am 59 years old and would like to partially retire at 62-65 years of age and hopefully fully retire at 67 years of age.I read Kiplinger’s magazine and have learned much. What reading...
View ArticlePersonal Investments • International stocks
I have owned both International stock ETF's and Domestic stock ETF's with Vanguard for 9 years. International's performance is 1/3 that of Domestic over this time period. Why should I keep Intn'l...
View ArticlePersonal Consumer Issues • Water leak
We got a faucet cartridge in bath tub changed last week in the bath tub, as there was a minor drip for the last 6-8 months . Since then our water meter is showing consistent leak of 1.2 G /hr. Our...
View ArticlePersonal Investments • What kind of situation would TIPS be appealing in?
I'm learning about TIPS. Here is how they work according to my understanding.Say you buy a 100 K worth of 10 year TIPS with at 3% rate. In Year 1 inflation is 2%. So you tack that on to 100 K and get...
View ArticlePersonal Finance (Not Investing) • Gifting stock to spouse for monthly...
I wanted to learn about stock gifting.Let's say I have one share of stock that has unrealized capital gain of $100. It's worth $200 right now. I gift it to my wife. She sells it at $200.She uses this...
View ArticlePersonal Finance (Not Investing) • United MileagePlus Visa Credit Card - Denied
Despite having a credit score of 800+ and no bankruptcies we were denied for tor the United MileagePlus Visa Signature Credit Card. The reason is "Too many requests for credit or opened accounts with...
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