Personal Consumer Issues • Buying Bed For Apartment
Hi Everyone, I am living in my own apartment, single, and unmarried in a new city and am now sleeping on an inflatable mattress while gradually getting the stuff needed for life over time. I'm in my...
View ArticleInvesting - Theory, News & General • Can expats still invest in VTSAX?
Apologies if I'm posting this in wrong forum section. I'm US/EU/Canadian citizen. I plan to either move back to Canada or EU in the future. Does this mean once I move I will no longer be allowed to...
View ArticlePersonal Investments • is FXAIX in CA HSA a bad idea
I have $5K of FXAIX in my HSA in CA. My understanding is CA treats HSA dividends/withdrawals as ordinary income always. Should I sell the FXAIX and buy VOO while the balance is relatively small? I...
View ArticlePersonal Investments • Portfolio Review First Home Check In
Emergency funds: Yes, fundedDebt: 700k mortgage 29 years left @ 6.8%No cc debt, car loans, or other debtTax Filing Status: Married Filing JointlyTax Rate: 35% Federal, 4.95% StateState of Residence:...
View ArticlePersonal Consumer Issues • Retrofit/removal of touch screens in cars?
I’ve rented a couple cars this year, and each car had a touch screen. The worst part about car touch screens is they are extremely unsafe and distracting. Tactile knobs and button for the radio, A/C,...
View ArticlePersonal Investments • Portfolio Review Request for Couple in Mid-30s Looking...
Emergency Fund: $130K ($100K in a high yield savings account currently at 4% APY; $30K in I bonds) = approximately 1 year of expenses.Debt: $932K at 4.1% interest - Home mortgage - Payoff date March...
View ArticlePersonal Finance (Not Investing) • selling rental apartment to tenant
I own an apartment currently rented out to a tenant. I want to sell it when their lease is up. They've expressed interest in buying it. How do I proceed? Ideally I want to :get a best possible offer,...
View ArticlePersonal Investments • Reverse mortgage line of credit
Any thoughts on opening a reverse mortgage loc as a new 69 year old retiree to keep as part of a retirement withdrawal strategy when needed should the market have a prolonged downturn? Wade Pfau seems...
View ArticlePersonal Investments • Looking for advice for last decade before retirement
I’m 49 with an eye on retirement in about 10 years. I have 230k in retirement savings in s&p 500 index funds in Roth 401k and Roth IRA. Don’t make a ton of money but don’t have a ton of expenses...
View ArticlePersonal Investments • Vanguard Statement re TIRA income
Perhaps this has been posted before, I cannot find what I'm looking for.On the bottom of the first page of my Vanguard TIRA account statement Year-to-date income Taxable income--------$ 0.00...
View ArticlePersonal Finance (Not Investing) • Expecting a Baby - Insurance and Else
Hi All - hope all are doing well. DW and I are expecting a delivery next year and want to get more acquainted with financials/insurance around it as it is time for annual enrollment for 2025. May...
View ArticlePersonal Consumer Issues • Help me choose Health Care in VA
Hi everyone,I’m seeking guidance on choosing a health plan through the Virginia Marketplace for a family of four. Thankfully, we have no health issues, but we're looking for the best options for our...
View ArticlePersonal Finance (Not Investing) • HDHP vs PPO??
I have 2 days to make a decision. Here are the factors at play:- 35 F, relatively healthy. I make all my preventative/annual appointments. Though I had some specialist visits last year (PT, for...
View ArticlePersonal Finance (Not Investing) • Where do I go next?
Here are the facts:-35F, 1 dependent (8 yr old)-HCOL-Rent, no mortgage-Public transportation, no vehicle-Term life insurance, 20 yr policy at 1mil ($49/mo!)-Credit card debt is under $1,500-EF is...
View ArticlePersonal Finance (Not Investing) • Change in account name on statements
When I printed my statements for October today I noticed a change in the upper right corner on page 1. For many years it said " Vanguard Voyager Select Services 1-800-284-7245". Now it says "Vanguard...
View ArticlePersonal Finance (Not Investing) • Family Trust vs Separate Trusts for each...
Hello BH,Situation- couple lives in non community property state and chose to combine assets upon getting married - No pre-nup or separate accounts except a rental property that was purchased before...
View ArticlePersonal Consumer Issues • Big island - Hawaii
I’m headed to the big island over Thanksgiving. First time to Hawaii. Flying into Kona. Main objective is the state high point, Mauna Kea. A few questions. Is the trail over Thanksgiving going to be...
View ArticlePersonal Investments • Deleting Bank
I know this seems trivial, but I wanted to clean up my Vanguard account, and there I have a bank that I connected with years ago so that I could transfer to and from for my Dad, as he was dying and I...
View ArticlePersonal Finance (Not Investing) • When to take exec deferred comp - now or...
Hi Bogleheads -I am a 38-year-old physician employed by a health system.My income is 100% W2 - approximately $900K/year. We spend about $200K per year - the rest we save. We are very fortunate - money...
View ArticlePersonal Investments • I bonds early in accumulation phase?
Torn on whether I should start purchasing I bonds this year.Brief background: 35, federal tax bracket 32-35% depending on the year, 0% state, pay NIIT. Saving approximately $135-140K/year, which will...
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