Personal Finance (Not Investing) • First time homebuyer sales tax deduction
Hi all,I'll have to itemize (for the first time) this year. Does the annual 10K limit apply towards property tax AND sales tax (no state income tax here) ? Is there any category restriction on sales...
View ArticlePersonal Investments • Merging Accounts at Vanguard
I merged two accounts at Vanguard recently. They moved all of the holdings except one, DODFX (Dodge and Cox International Stock Cl 1). There were three other Dodge and Cox Funds which were moved to...
View ArticleInvesting - Theory, News & General • Financial Aid PSA: contribute to...
I haven't seen this advertised too widely, so I thought I'd share an analysis I conducted using several college net price calculators: At FAFSA schools, there is a big advantage to making...
View ArticlePersonal Consumer Issues • What’s a good “step up” from a Toyota Rav?
I am happy with my Rav but I don’t love it. By trading and moving up I want a similar size vehicle with a more comfortable ride and a more powerful engine with more get up and go. I like the Lexus but...
View ArticleInvesting - Theory, News & General • Non-AUM Advisors Using Covisum Tax...
I am a longstanding DIY investor and legacy Boglehead before I new there was a term for being a Boglehead. I am 60, within 2 years of retirement. My wife and I have a portfolio in the $3.5 million...
View ArticlePersonal Investments • Robinhood “Gold Monday:” 3% match on IRA contributions
There’s an offer advertised to me in my Robinhood app: — $45 yearly subscription to Robinhood (25% off normal price), and get a…— 3% match on IRA contributions, plus — 4.75% APY on uninvested...
View ArticlePersonal Investments • Donor Advised Fund Investment?
If one has a Donor Advised Fund with no planned investments then it seems it does not follow personal investment principles but is more akin to college endowment fund principles?In the case of the...
View ArticlePersonal Investments • What would you do with extra cash if you had a goal in...
Let’s assume for a moment that you had an extra $500-$700k in cash and you have a goal to turn that into roughly ~$950k in about 4.5 years in order to pay off a mortgage.I don’t want this to be a...
View ArticlePersonal Finance (Not Investing) • Vanguard provided information regarding...
This is the first year I will be doing Required Minimum Distributions and want to get it done by December 31, 2024.I called Vanguard Thursday just before I was going to be in my car going somewhere....
View ArticlePersonal Finance (Not Investing) • Should I stop adding contributions to 529?
Our kids are 8 and 10. We live in Florida where we have no state income tax. In-state tuition including books, supplies and room and board is about 20k annually today. Florida has a program called...
View ArticlePersonal Finance (Not Investing) • Mechanics of using 529 money
I have a 529 plan setup for my grandson, what are the actual mechanics of withdrawing and funding for his education. He is currently attending college. Does the money go directly to him, backed up by...
View ArticlePersonal Consumer Issues • YouTube TV Watchers - Save $60 on price increase
[Topic is now in Personal Consumer Issues - mod mkc]Many of us were notified by email that their YouTube TV was going up $10 a month … if you follow the I’d like to cancel option you come to a page...
View ArticlePersonal Investments • CDs or money market
I have 2 CDs that recently matured - so the funds are sitting in the Vanguard Federal Money Market fund - Settlement Fund. ($7900 in tIRA and $24k in Roth). I'm kind of paralyzed as to what to do...
View ArticlePersonal Finance (Not Investing) • Selling a house: questions on losing...
We purchased a home at the top of the market in 2022 when we needed to move. We love the house and love the neighborhood, but we purchased next to a busy road that has only become busier. We are tired...
View ArticleNon-US Investing • [Italy] - My lazy portfolio, seeking advice
Hi Bogleheads,I'd love to get your advice on my lazy portfolio of ETFs, but first a bit of context. Just three months ago I had my money split 50%-50% between my bank account (shame on me) and a...
View ArticlePersonal Consumer Issues • Best Approach on home sale closing before finding...
We have looked for a home in another city for quite awhile in order to be closer to family, but have several "must haves" that complicate the process. We currently rent a condo in the other city. We...
View ArticlePersonal Consumer Issues • remote monitoring of home recommendations
Dear BogleheadsWe are in a situation where we may need to monitor a home remotely for several months (no occupant).Insurance will require physical check every 48-72 hours, so that can be...
View ArticleInvesting - Theory, News & General • Against lottery tickets
Bogleheads might be amused by a blog post on the mathematics of lottery tickets (and other high standard deviation/high payoff "investments").Basically: The mean return is usually negative. When it's...
View ArticlePersonal Investments • Roth Conversion Tax Question
Hi,In 2025 I am planning to start converting some of my traditional IRA money to a Roth IRA. I am still working and I'm younger than 59.5 so I was planning on having extra money withheld from my...
View ArticlePersonal Investments • old 401K to Rollover IRA
Hello,My wife currently has an old 401K administered by Fidelity that contains several hundred thousand. It is about 40% of our retirement savings so far. I can't complain about the returns we are...
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