Personal Finance (Not Investing) • Put down payment money into s&p 500?
I am looking to buy a home soon. The home prices are rising faster than I can save up. Real estate appreciation is much more than treasury payouts.Has anyone put their down payment money into the...
View ArticlePersonal Investments • Advice for someone from non investing background
Hello I am new to the form and relatively new to learning about investing. I don’t make a ton of money 47k, and come from a family who didn’t invest. I was very fortunate that at my first professional...
View ArticlePersonal Investments • Best way to “cash out” of a 529 account?
Hey All,My spouse (36) has a 529 account in his name that his parents opened for him when he was very young. It currently has almost a million in it. He does not plan to go to any more schooling and...
View ArticlePersonal Finance (Not Investing) • DAF vs. QCD Anonymity
One of the aspects of the VG DAF I've really liked is the option to make the donation anonymously.With a QCD check coming to donor, then you sending to the charity, is the donor's name/info on the...
View ArticlePersonal Finance (Not Investing) • Miscellaneous Schedule C questions
My son has a sole proprietorship and it's gaining financial steam and complexity. I know the basics of Schedule C but his business changes are presenting me with questions I'm not sure of.I'm listing...
View ArticlePersonal Finance (Not Investing) • Gift tax double check
I want to make sure that I am legally within the limits of the gift tax. We are no way near the current federal limits and as far as I know Ohio doesn’t have a limit.Can I Venmo 3000 a month to my son...
View ArticlePersonal Investments • IRA/401k questions, S corp question, tax drag
Hi Bogleheads, thanks for your help. My husband and I have worked really hard to get where we are and three years ago he caught long covid and hasn't been able to work. Luckily, we had been saving 50%...
View ArticlePersonal Finance (Not Investing) • Which HSA plan to choose?
I'm a teacher and my district has put out new insurance plans from negotiations that are going to be voted on by our union. We've been very fortunate with our health and have been on 1 of the 2 high...
View ArticlePersonal Finance (Not Investing) • Prenup advice
Are there any books or websites that talk about the best prenup in the US (California specifically)My lawyer only wants to prepare an agreement that’s already reached but I need help in what should be...
View ArticleInvesting - Theory, News & General • Taxable brokerage rebalancing advice
Because the US market has advanced so much this year, the TSM in my brokerage account has gotten way ahead of itself about 14 percent above my AA for that account. I switched to all bonds in my...
View ArticlePersonal Finance (Not Investing) • Federal Estate and Maryland Estate...
I have been talking to a close friend who is a resident of MD in his late 60’s who has about $10M in their pretax IRA, a few 100K in a taxable brokerage account, and a house worth say 650K. His wife...
View ArticlePersonal Consumer Issues • Exit Airside ?
I have an upcoming trip in 2 weeks time with the following itinerary. 1 and 2 are separate tickets.1. Delta: Philadelphia - Atlanta. Reaching Atlanta at around 12:30 PM2. American: Atlanta - Dallas...
View ArticlePersonal Investments • a question about the Treasury
Can this be explained in simple terms? I don't understand why T-Bills, for example, are sold by the US Treasury when it's already over $30 trillion in debt. Given that a small slice of this debt comes...
View ArticlePersonal Finance (Not Investing) • Medicare premiums deducted from SS...
I am currently paying for Medicare monthly but not yet receiving Social Security Retirement benefits. When I pay the Medicare premium each month the period covered is the month following the month of...
View ArticlePersonal Investments • Short vs. Intermediate Bond Funds in Retirement
Recently retired and am wondering how to allot the bond portion of my portfolio. Plan on having (for now) a 60-65/40-35 portfolio. We currently have about the same amount of intermediate bond funds in...
View ArticleInvesting - Theory, News & General • Wayward son-in-law
I have a son-in-law in his 20s that is dead set on hitting a home run with cryptocurrency and has invested their hard earned money into BITX (2x Bitcoin Strategy ETF) when they have more important...
View ArticlePersonal Investments • Seeking Second Set of Eyes on My Portfolio
Hi, newbie to the forum here, hoping to get your thoughts on my portfolio and any advice (besides make more and save more, both of which are not really possible right now due to life circumstances but...
View ArticleInvesting - Theory, News & General • Are there any disadvantages to...
For example, if person A buys 10 shares of stock A and person B buys .5 shares of stock B on 20 different transactions, would the two portfolios be the exact same? Any potential issues to buying...
View ArticlePersonal Finance (Not Investing) • Form 709 Part II Tax Computation help
I will need to file Form 709 for 2024. I've downloaded the draft forms and instruction. I can't make heads or tails of Part II, the tax computation.Lets say line 1 is $123,456, and line 2 is...
View ArticlePersonal Investments • Retirement/investment check-in: high-stress job w/VHCOL
I have been incredibly grateful to the boglehead community for spot-on advice over the years. If you will indulge me with a "retirement check-in" I would greatly appreciate it. Ages: 47, 42, 6, and...
View Article