Personal Investments • investment placement for FI and REITs
At present I have two accounts, a taxable account and a Roth IRA, with, let's say, about 30+ year time horizon until retirement.1) Does it make sense to place all fixed income (TIP and BND) in the...
View ArticlePersonal Finance (Not Investing) • Insurance renewal questions: additional...
Our insurance brokerage did a review on our policies and offered some suggestions: 1. We have $10k in mold remediation on our home policy now. They offer coverage at $25k or up to the dwelling limit...
View ArticlePersonal Finance (Not Investing) • Roth conversion and tax payment timing
So, basic plan (and obvious reasons):1. 1/1/25: Full amount (to fill up 22% bracket) 110K converted, no withholding.2. 8/15/25: Full wage withholding for last 10 (bi) paychecks.My research indicates...
View ArticlePersonal Finance (Not Investing) • Zelle fraud lawsuit - anything users need...
The CFPB is suing Zelle and the "big three" banks over Zelle fraud. I use the service, so I'm trying to figure out what the risk is and if there are steps to take to mitigate it. If I understand it...
View ArticlePersonal Finance (Not Investing) • Consolidating at Vanguard: moving cash,...
I'm considering a New Year's move back to Vanguard from Fidelity and JP Morgan, mainly to consolidate and get a better rate on cash than Fidelity is paying on SPAXX. 1. Can someone explain the...
View ArticlePersonal Investments • Collateral loans instead of cash or bonds ?
Dear Bogleheads,I am very new here and this is my first post so apologies in advance if this is a topic you have debated already .As someone who is 2 years away from retirement , and confronting a...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth IRA DCA
About to do our first ever Backdoor Roths. $14000 total.My question is, for next year, is there anything wrong with making multiple contributions/conversions. Say $1000/month then convert to Roth for...
View ArticlePersonal Investments • Estimating Tax on TIPS in Taxable
I had too much cash from maturing CDs and decided to build a TIPS ladder in taxable. This is spread between accounts of DW and I. I'm fine with paying phantom tax out of other taxable dollars. I...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth while having SEP IRA
My wife has 3 accounts with Vanguard: A traditional IRA with no balance, a Roth IRA that she’s contributed to for years, and a new as of 2024 SEP IRA. Historically we’ve done backdoor Roth...
View ArticlePersonal Finance (Not Investing) • Transfer on Death Deed
For those of you who have created a transfer on death deed for their homes, what did you do for your personal possessions inside? Just make a provision in the will? Also, just to verify, a transfer on...
View ArticlePersonal Finance (Not Investing) • Good news! Congress repeals GPO and WEP
I know there are a lot of educators on this forum, and I thought this may be of interest to many of them:https://www.nea.org/nea-today/all-news- ... d=10239853Statistics: Posted by IowaFarmWife — Sat...
View ArticleInvesting - Theory, News & General • how should I invest in bonds?
Hi all,I want to invest more in bonds. I’m hoping to get some input from the wise folks here on how to best increase my bond allocation in a tax-efficient manner, given limited investment choices in...
View ArticlePersonal Finance (Not Investing) • Victim of Bank Fraud and the Aftermath...
Last year, I became a victim of bank fraud when one of my business checks, sent by a client via US mail, was intercepted. While I was investigating the missing payment with my client, the fraudster...
View ArticlePersonal Investments • How to optimize a single person - or LLC With Spouse...
Hello Bogleheads,DW started her single-person LLC for online tutoring and consulting. It has gained some traction and revenue has started to trickle in. I plan to join it next year and offer technical...
View ArticlePersonal Investments • NYS Pension and Annuity Exclusion Question
Hi. Q for you NYS Residents.. I have an Inherited IRA from Mom that I am allowed a $5K NYS Tax exclusion per year. After I retire, I will have my own Trad IRA that I am allowed $20K per year. Q: Do...
View ArticlePersonal Finance (Not Investing) • Excess Funds: Smart ways to invest
Let's pretend one purchased a new home outright (cash) and will have proceeds from the sales of their current home in excess of 250k. Seeking tax advantaged ways to invest said funds, with goal of...
View ArticlePersonal Investments • Can VG-Brokerage be source for VG T-IRA funding
HelloCan my VG taxable brokerage account itself be a source for funding my (2025) T-IRA, also at VG?ThxStatistics: Posted by RetireGood — Sun Dec 22, 2024 7:20 am — Replies 6 — Views 204
View ArticlePersonal Finance (Not Investing) • At What Net Worth Self Insure Life Insurance?
Dear friends,Is there a net worth in which it doesn't make sense to have term life insurance? I always get strange looks when I say we "self-insure". Maybe we should reconsider?We are in our 40s, have...
View ArticlePersonal Finance (Not Investing) • LLC Real estate exit strategy/ies
Hello everyone,Have a few residential rentals held in LLCs and looking forward to putting away the maintenance hat and typical needs of property management. Seeking tax advantaged exit strategies to...
View ArticlePersonal Consumer Issues • Costco [membership discount offer]
Not sure about this post as to whether it's allowed. Costco has a basic membership (Gold) that is being offered through Stack Social.For $65 you get the membership, but you also will receive a $45...
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