Personal Investments • Ohio 529: can rollover 529 be treated as contribution?
For the same beneficiary, assuming that I had contributed $1,000 to the NY 529 plan and rolled over the account from the NY 529 plan when the value reached $2,000 to Ohio's 529 plan. I was never a...
View ArticlePersonal Finance (Not Investing) • Fee charged by receiving bank rejecting a...
Full disclosure, I transposed the last 2 digits of recipient account number. The receiving bank (TD Bank) correctly rejected the wire, but returned it less $40. My bank (Ally) charged $20 for the...
View ArticlePersonal Investments • Husband got a new investment option in 401k
Currently part of our bond allocation in his 401k is:11% PIMCO INFL Protected Bond (Bloomberg Barclays Tsy TIPS) (0.256%) 12% PIMCO Core Bond (Bloomberg BC US Aggreate Bond) (0.256%) For 2025 we are...
View ArticlePersonal Finance (Not Investing) • Struggling with decision to pay off...
Hi everyone, Long time reader of the forums and new member here.Background:15 year mortgage at 6.125%Acquired mortgage August 2024Balance is currently 190kMonthly payment is $1650 PI. I pay taxes and...
View ArticlePersonal Consumer Issues • Steam vs. Hot Water heating of townhome in Queens, NY
Hi All,Your valuable opinion is appreciated.I have old style steam heating with big radiators in our home. According to my neighbor, who is a general contractor, replacing that with Hot water heating...
View ArticleInvesting - Theory, News & General • The Magnificent 7 and the Boglehead...
I generally agree with the benefits of a market weight portfolio, but the size of the Mag 7 stocks have me concerned. They now make up 35% of the S&P 500, and consequently a large part of my...
View ArticlePersonal Investments • Liquidate small STCG, or larger LTCG first?
Howdy,Retired. Need to sell some assets early next year. I have: One large block of VTSAX - STCG - 5% gains Several small blocks of VTMGX - LTCG - 43% gainsI am wondering which one is better to sell...
View ArticlePersonal Finance (Not Investing) • Does anyone have a high-limit umbrella,...
Our insurance broker is recommending a $10m umbrella primarily due to our high income and my higher-profile job. We are young, so based on assets alone, $5m should be enough. But the broker said it...
View ArticlePersonal Investments • Ally Banking Account $1 balance, no interest
Hi all,This is just a silly one but would love to hear if this is an expected issue. Right now I only have $1 in the Ally savings account, only plan to put money back if they offer a good bonus or...
View ArticlePersonal Consumer Issues • AARP and cruise gift cards
I recently learned that AARP sells cruise gift cards from major cruise companies. Some are 10% off. Anybody has experience in paying for cruise using these gift cards?Thanks.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Traveling to Vietnam/Cambodia - How’s the access...
Hello fellow BH Travelers.We are 66/76 with chronic but stable health conditions. We are in our gogo travel phase, one of the places on our bucket list is Vietnam/Cambodia to see the Temples in Siem...
View ArticlePersonal Investments • Does anyone use the Merton Share?
I have been thinking about the Merton Share (ask gemini or chat gpt ect) since reading the recent Economist article on this topic. Its rather interesting and wondering if anyone uses this tool to...
View ArticlePersonal Investments • Target fund litigation asking for 1099 legitimate or...
I received an email notice from Strategic Claims Service which stated that to participate in this litigation, they asked me to provide my SS # and 1099 of year 2021. I am not sure if this is...
View ArticlePersonal Finance (Not Investing) • Inheritance from outside the US question
My MIL passed away earlier this year and my BIL is working on the sale of her home. She lived outside the US, was not a US citizen, and I'm trying to figure out how to report the cost basis once the...
View ArticlePersonal Investments • Is my understanding correct - HSA withdraw
All assumptions are using current tax law...As I understand it, I can save all my medical receipts for years, then take money out of the HSA all at once, up to the amount I have receipts for.For...
View ArticlePersonal Finance (Not Investing) • Vanguard Hold--can't backdoor?
I just transferred some money in from my bank to contribute to a non-deductible IRA. Vanguard has a giant alert saying funds are subject to a 7-day hold (side note: why can't they say this before you...
View ArticlePersonal Finance (Not Investing) • Pro-Rata Rule and Backdoor Roth
Hi Bogleheads,I currently have a rollover IRA with pre-tax funds from a previous employer from many years ago (basis in that account is close to zero). I also have a current employer-sponsored 401k...
View ArticleForum Issues and Administration • My PMs seem to get stuck in my Outbox?
I tried to send a PM today (something I rarely do) and it shows in my Outbox. I also realized that a PM I sent a few months ago is also stuck in the outbox.What causes it and how do I fix the one I...
View ArticlePersonal Investments • Portfolio Review Request
Hello Everyone,Thank you for taking the time to review the post. I am new to the forum and investment philosophy. I didn't think much of it in my 20s and am just trying to "catch up" and make the...
View ArticlePersonal Investments • Best time adding to my index funds
I wanted to add some lump sums to my VTI etf and VTSAX. The dividends were supposed to post by today in both. Is there any downside of adding money now or should I wait until Jan 2? MarkStatistics:...
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