Personal Consumer Issues • I cannot get a medigap plan
Because I'm 71 and had a heart attack a few months ago. I've got Medicare part A and B. I can get an Advantage plan, a PPO, with big deductibles. I'm OK with that, I was looking at the G or F high...
View ArticlePersonal Finance (Not Investing) • Medicaid Planning: Transfer the House or Not
Hello everyone,My mother-in-law approached my wife and I to discuss estate planning. Specifically, she expressed an interest in transferring her primary residence to us in the event that she requires...
View ArticlePersonal Finance (Not Investing) • GEHA HDHP with high medical costs
Hi, all - I am receiving a decent sized inheritance (about $500k) within the next month. We don’t have debt, but we also don’t have all that much saved for retirement. My plan is to largely live off...
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Investing - Theory, News & General • Buying Bond Index Funds
I'm 54 and thinking about retirement in the not too distant future.Currently have assets of about $1.2 million in stock index funds. It's 40/60 in taxable and in 401K/IRA.I know I should move about...
View ArticlePersonal Consumer Issues • Visiting Denver in early June. Hiking and other...
We are planning a week in Denver in early June. Suggestions on day hikes, bike rentals and other places of interest while visiting? Also, suggestions where to stay in a VRBO. What type of vehicle to...
View ArticlePersonal Finance (Not Investing) • Taxation of savings bond interest in Estate
Wanting to clear something up before end of year 2024.My brother is executor for my mother's estate. There were old long-since matured savings bonds in a safe that got cashed in earlier in 2024,...
View ArticlePersonal Finance (Not Investing) • How do you deal with the mental overhead...
https://www.businessinsider.com/financi ... an-2024-11I just read this article and I can relate with it. So, I am wondering how others on hdhp deal with the issue. Specifically, how do you avoid...
View ArticlePersonal Finance (Not Investing) • Going to itemize next year, Am I missing...
We have no mortgage but thinking about itemizing next year and batching tax and charitable donations.Am I missing anything below that I could be deducting?Pay 2024 property tax in JanuaryPay 2025...
View ArticlePersonal Finance (Not Investing) • withdraw from trad IRA up to standard...
We will have a low income tax year in 2024, just some dividends/capital gains, say for purposes of this post less than $40k. Between now and year end I plan to withdraw from trad IRA the amount of the...
View ArticlePersonal Finance (Not Investing) • Inheritance impact on Roth Conversion,...
[Topic is now in Personal Finance (Not Investing) - mod mkc]I will be doing my first Roth conversion this year (newly retired, first year with no salary), while keeping an eye on tax brackets and...
View ArticlePersonal Investments • Deferred Portfolio Question
With a portfolio at 6 million all deferred taxes in IRA account be worth in 25 years. At age 68 now and will take RMD when I have to and all money will go back in mutual funds other than the taxes...
View ArticlePersonal Investments • Most Tax efficient investments?
Revising this because I feel that I asked the wrong question. What is the most tax efficient asset? Some ideas are:Vanguard Total Stock Market IndexVanguard S&P 500 IndexWorld Equity...
View ArticlePersonal Consumer Issues • downgrade my internet service from 100Mbps to 300Mbps
I have Verizon and right now and I am using their router. I am in a 3 level townhouse and I get terrible coverage. The router is on the first floor and there things are great, I get 700MBS on the...
View ArticlePersonal Investments • Spouse leaving their role- is it time?
We are looking at having my spouse leave her W2 role to take on the role of staying at home with our kids. This feels like a huge change to our finances and I would love input/advice for those who...
View ArticlePersonal Finance (Not Investing) • Any downside to disenrolling in FEHB...
For 2025, just received notification of my medicare B premiums and we are hit by IRMMA. I knew this was coming but didn't think about having topay for Medicare Part D under FEHB. So my spouse and...
View ArticlePersonal Finance (Not Investing) • Would you pay cash for this house?
Hello Bogleheads. We are going to be doing a major home renovation/addition. Price (plus cushion for unforeseen overruns) comes to $900K.39 YO, married, 4 kids (4, 4, 6, 8), SAHMHHI - $400KDebt -...
View ArticlePersonal Finance (Not Investing) • How best to pay for a remodel?
My wife would like to remodel the house we are in. I'd like suggestions on the best way to pay for it.We are both in our mid 60's. Wife is retired and I will be in a few weeks. Wife has pension and...
View ArticlePersonal Investments • Single Stock Keep or Sell
I realize this forum suggests a diversified portfolio, but for the past several years, a significant portion of my portfolio has been invested in a single stock. Overall, I am monetarily ahead, but in...
View ArticlePersonal Investments • Chronically ill, unemployed, but need income. Should I...
I'm chronically ill (not on disability), unemployed, age 56. I have around $130,000 in savings. When interest rates were around 5%, I was able to live off the interest by living with a friend and...
View ArticlePersonal Investments • Avoiding IRMAA for 2026
Good morning,I’m looking at year end income/tax and getting uncomfortably close to the next IRMAA income bump (2026). I’m 74 and the RMD plus my retirement side job have pushed me higher each year....
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