Personal Investments • Money market funds: which one is appropriate for me?
Hi.Please help me decide which vanguard mutual fund is tax saving for me.Federal state brackett: 35%State tax : 4.95%Is there any after tax rate formula that includes repurchase agreements? VMFXX:...
View ArticlePersonal Finance (Not Investing) • Catastrophic Health Insurance (Standalone)
[Topic is now in Personal Finance (Not Investing) - mod mkc]"Hello all."I was having lunch with my brother who is using Medicare as his primary health care coverage with no secondary. His question to...
View ArticlePersonal Investments • When to move college funds to a conservative allocation?
Hello,College tuition will likely be due between 2027- (early)2031.Half the needs will come through CDs that mature around 27/28.When might be a good time to move the other half (2029-31)to a...
View ArticlePersonal Investments • Portfolio help - 10 years to retirement -
The original plan was for me to retire at age 55 but have decided to wait until age 62. I just began working as a federal employee so future retirement contributions will be made to TSP. I want to...
View ArticlePersonal Finance (Not Investing) • ROTH contribution for financially...
My son is 17 years old and has his first job. I am debating contributing $ to a ROTH for him but the issue is he is NOT responsible with his money. I fear that when he finds out about the account he...
View ArticlePersonal Finance (Not Investing) • 2024 Year-end Distribution Estimates
Has Vanguard posted the year end estimates for Capital gains? I thought they initially posted preliminary estimates in November, and revised them in December?Statistics: Posted by Harri88 — Sun Nov...
View ArticlePersonal Consumer Issues • "Supershoes" for Distance Running
Marathon times have been coming down.From the Technology Review article linked below:"In just over a year, Kelvin Kiptum had gone from virtual unknown to global phenom, running 3 of the 7 fastest...
View ArticlePersonal Consumer Issues • Best month to see Northern Lights from Tromso, Norway
Hello All,We're planning to visit northern Norway (Tromso) to see the Northern Lights. Looking at Dec - but very expensive because of Christmas and perhaps school holidays. The main question however...
View ArticlePersonal Investments • Terminate Ind. 401(k)?
I've got an individual 401(k) that I set up fifteen years ago while I was doing consulting work outside my regular job. I'm now fully retired and wondering whether to combine the Ind. 401(k)'s assets...
View ArticlePersonal Investments • Wash sale partners
Please help confirm my plan for avoiding wash sales in the future. I have never done any tax loss harvesting in the past, but I anticipate the potential need in the future. I have listed out my...
View ArticlePersonal Finance (Not Investing) • Pay down mortgage or invest in VTI
Have MM2.2 USD mortgage left on primary (5.5%, MM2.0) and rental (2.75%, USD 200k). Primary is worth $4MM so monthly at 5.5% is chunk change and some by all means. I have RSUs worth 0.5MM vesting over...
View ArticlePersonal Investments • Robinhood platinum desk
FYI Robinhood now has a “platinum desk,” which is unadvertised. Not sure where the asset cutoff is and the rep I asked refused to tell me. Apparently this “platinum desk” has been a thing for the past...
View ArticlePersonal Investments • Shutting Down Solo 401k
I apologize if this has already been addressed, but I was part of the group that was forced to move from Vanguard to Ascensus. I have decided to completely shut down my Ascensus Roth Solo 401k (no...
View ArticlePersonal Investments • Portfolio Update: Some questions
Ages: Both 51Children: 4* First has graduated college* Next two are currently in college* Last one in high schoolFiling status: Married /Joint (single income earner)Tax Rate: 22% Federal and 5%...
View ArticlePersonal Investments • TIPS ETF
Any thoughts on adding a TIPS fund to my bond portfolio? Newly retired and have a 60/40 portfolio at present. Although I have never invested based on election results previously (and probably...
View ArticlePersonal Investments • Righted the Ship - What Next?
It has been a wild 24 months that we calmly managed. It involved job changes, exiting a deteriorating situation with an investment property, and firing an investment manager that we found to be...
View ArticlePersonal Consumer Issues • Medical insurance for cruise
I am going on a cruise in the Caribbean and I want buy insurance that covers medical evacuation if it is needed. It seems that Geoblue may work. Any recommendation? (I have used Geoblue before but...
View ArticlePersonal Finance (Not Investing) • Beneficiaries and executor of my will
I have designated my trusted friend as the executor of my will. My will clearly states who gets what and a big chunk of my money will be donated to my favorite charities. My question is who should be...
View ArticlePersonal Consumer Issues • Cabo San Lucas - Golf Trip
Bogleheads, I am planning a golf trip to Cabo San Lucas in June. We will have 4 golfers participating in the trip.For those who have undertaken this journey, any recommendations on places to stay and...
View ArticlePersonal Investments • Solo 401K 5500 question
I was reading this forum and freaked myself out. I've had a solo (Roth) 401k with Vanguard since 2017. Last May (2024) when Vanguard said they weren't dealing with solo 401k's anymore I rolled in into...
View Article