Personal Consumer Issues • Ways to reduce/eliminate electric charges for...
Below is a list of charges from our most recent electric bill. We own our own solar panel system, but we are not independent from the grid. It appears that we are paying $113.82 per month for...
View ArticlePersonal Investments • Bitcoin questions
like most retirees i have stayed away from bitcoin - but wondering if other bogleheads have jumped in using ETFs or similar?i recall alan roth saying put 5% of your portfolio in bitcoin as a 'fun'...
View ArticlePersonal Finance (Not Investing) • FYI - H&R Block 2024 still using 2023...
For those of you who like to “game” out your MAGI numbers before the end of the calendar year and are getting their health insurance via the Affordable Care Act (ACA) and Advance Premium Tax Credits,...
View ArticlePersonal Finance (Not Investing) • Step Up in Basis
My understanding is that for a husband and wife, when the first spouse dies, half of the assets get a step up in basis. And assuming that the decedent's assets go to the surviving spouse, when the...
View ArticlePersonal Finance (Not Investing) • Decumulation research and strategies
[Topic is now in Personal Finance (Not Investing) - mod mkc]42 yo here with $2M in investable assets plus another 400K in equity in primary real estate. Assets are 80% tax deferred, 20% taxable. Only...
View ArticlePersonal Investments • Investing EUR in the US avoiding currency risk
Hi all - I have already googled / searched the forum and tried the IBKR search but did not yet find what I am looking for so I am trying to tap the wisdom here.I have large sums in Euro denominated...
View ArticlePersonal Investments • TIPS ladder and RMDs
I plan to retire in 1.5 years. I also turn 59.5 in 2025 and have the ability to rollover all or part of my 401K into IRA. I was thinking it may be a good idea to rollover part of my trad'l 401K into a...
View ArticlePersonal Finance (Not Investing) • Bye Bye BOI (for now)
Saw this in Mike Piper's Oblivious Investor newsletter:https://www.journalofaccountancy.com/ne ... r-now.htmlI hope it sticks.Statistics: Posted by Dufus — Mon Dec 09, 2024 8:25 am — Replies 1 — Views...
View ArticlePersonal Finance (Not Investing) • Roth conversion taxes paid out of SS...
[Topic is now in Personal Finance (Not Investing) - mod mkc]I'm considering upping my SS withholding to cover some of my Roth conversions for 2024 vs paying them from the IRA. Since I don't have a lot...
View ArticleInvesting - Theory, News & General • "Today's Total Gain/Loss"...
Recently, I bought a call protected 3 year CD at Fidelity. The brokered CD is displayed in my Cash Management account with details such as "today's gain/loss" and "total gain/loss". Right now the...
View ArticlePersonal Consumer Issues • Is there a way to get Macbook to ring like a phone...
Let's say I misplace my Mac book at home, I can run find my device, I can see that it is at home, but when I ring the device, it never connects and ring the device like on my iphone. Is there a way to...
View ArticlePersonal Consumer Issues • Affordable reliable purchasing of rail tix in Europe?
I am taking a train from Prague to Budapest.Rail ninja comes up on google, but has sketchy reviews.Could not access the train company's website-would not allow me to schedule online.What options have...
View ArticlePersonal Investments • Trouble finding correlations for a TIAA account
I'm trying to simplify TIAA holdings.I'd like to see how CREF Global Equities R2 QCGLPX correlates with total US Stock market, VTSAX or FSKAX (or other, similar funds).But QCGLPX doesn't come up when...
View ArticlePersonal Investments • Received check from old 401k
I received a small check from an old 401k that has been closed (<$25). I rolled the rest of the 401k into a Rollover IRA last year, so I can only assume this is interest/dividends $ that did not...
View ArticlePersonal Finance (Not Investing) • Can I put TIRA $ into a Roth
I’m 68, retired, main income is TIRA withdrawals, can I put $ into a Roth out of this up to the yearly limit? I see mixed results when I post the question on the internet. Total income for married...
View ArticlePersonal Finance (Not Investing) • Should I sell ETFs with LTCG in my kids'...
It's my understanding that, "In 2024, single filers with a taxable income of $47,025 or less...pay 0% on qualified long-term gains."Is it therefore a no-brainer to sell (if they had this much) up to...
View ArticlePersonal Finance (Not Investing) • Clarification on itemizing State Taxes.
I am looking for clarification on itemizing state taxes.We will be bunching our tithe to itemize this year, we will not itemize next year. My financial advisor (does not prepare our taxes or offer...
View ArticlePersonal Investments • Tax-loss harvesting into 529 as contribution strategy?
I was curious to hear people’s thoughts on a 529 contribution strategy to decrease the overall tax bill:I plan to regularly purchase (VTI and BND) in a taxable account instead of my 529 but will “tax...
View ArticlePersonal Finance (Not Investing) • Investing Equity in Small Business
A family member works for small business (revenue $200 mil). The business is being sold to another small business and the owner that has employed her is retiring. She loves her job, and the business...
View ArticlePersonal Investments • TIPS % recommendation?...
Hi All,My wife and I just retired so employment income is now zero, and I am delaying SS until I am 70, about 3 years from now. The portfolio, however, has ample investments - cash, bond funds, stock...
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