Personal Finance (Not Investing) • Advice re tapping life insurance for...
Hello! I am seeking advice regarding possibly tapping into my life insurance due to my terminal illness. I am a DIY boglehead who typically manages our finances by myself. However, in recent years my...
View ArticlePersonal Consumer Issues • Elliot advocacy / executive contacts
I figured I’d do a separate thread on this, as I will often respond with this as an effective method of follow up on consumer related disputes. https://www.elliott.org/company-contacts/This site lists...
View ArticlePersonal Investments • How SGOV taxed for California?
Hello all,Somehow I can't find definitive answer to this question - How SGOV taxed for California?The SGOV is ETF that invests into US TBills.The TBills are California tax exempt. Will SGOV be exempt...
View ArticlePersonal Consumer Issues • Best At-Home Hairclippers for Shaving Men's Head
DH likes to shave his head with an electric hairclipper. His current Wahl clipper died after many years of use, so we're looking for a new clipper. Since it's been so long since we've purchased and...
View ArticlePersonal Investments • 403b deposits question
Hi, and thanks in advance for any responses. I’ve been contributing to my 403b with Vanguard, through my same employer for around 25 years. I get paid every other week, and the 403b payments have...
View ArticlePersonal Finance (Not Investing) • Which Midwestern markets have...
I might be getting priced out of buying property in the coastal markets so I may have to settle short-term for buying property in the US Midwest. Which markets there have the highest price...
View ArticlePersonal Investments • New Job Retirement Account Question
Hi Bogleheads, I'm starting a new job soon that offers an RSA-1 deferred compensation plan (a 457). My wife has a job with a Simple IRA. I want to know if it would be better to have two tax-deferred...
View ArticlePersonal Finance (Not Investing) • Calculating Income Tax on Social Security...
I tried a search on this forum using "taxes on social security income" and did not get the specifics I am seeking. Is there a "worksheet", or better yet a "spreadsheet" available to calculate taxes...
View ArticlePersonal Finance (Not Investing) • Roth conversion up to 25%?
I'm considering doing a Roth conversion up to a 25% federal marginal tax rate. My tax filing status will be MFJ and I have self employed income so don't want to exceed the QBI phase out of ~$384k....
View ArticleInvesting - Theory, News & General • How to use log-normal probability...
Hi Guys,I've got a Monte-Carlo simulation that I use to tell myself how much to save, and I've been told that log-normal returns are a better fit for stock returns than normal distributions.Is the way...
View ArticlePersonal Finance (Not Investing) • Now 18 years old. Things I should do?
Hello Bogleheads!As I just turned 18, I wanted to make sure I cover all my financial bases. Because of this, here are some questions I have:1) The age of termination (i.e., forced to transfer to me)...
View ArticlePersonal Investments • 401K Bond Options/ Advice Needed
I am looking into moving some of my bond holdings from my taxable brokerage account to my work 401K. I do not have enough tax advantaged space to hold my desired AA in bonds. (Only 10% of my portfolio...
View ArticlePersonal Investments • 529 - can I withdraw ANYTIME in calendar year of...
Lots of people reimburse from their 529 after paying expenses to colleges. Are their rules about taking out money BEFORE the expense is paid?I realize there are lots of reasons NOT to do this (kid...
View ArticlePersonal Consumer Issues • Best way to downgrade Chase reserve and use UR points
Hello all, I would love the collective wisdom on how best to downgrade my CSR and use my UR points. I’ve had the card for a while but I’m in a season now that I’m not getting the benefits for the...
View ArticlePersonal Finance (Not Investing) • Vanguard Trust Account - Change SS# to EIN
Hello All,Looking for some direction. My father passed away, and fortunately, he had the foresight to more the vast majority of his assets into a trust, including his Vanguard account. After meeting...
View ArticlePersonal Investments • RMDs at Schwab
My tIRA is at Schwab. My RMD is set to pay out automatically each month. HOWEVER, I have to set up a new autopay from the settlement account each year.I am trying to do two things: First, I would like...
View ArticlePersonal Investments • Absolutely elementary-level 4% drawdown question
Let's say I actually am able to save up enough for retirement (that's a story for another day), and I can get to the point where I am comfortable with a 4% drawdown... ...how does that work?For ease...
View ArticlePersonal Finance (Not Investing) • Federal/NJ inheritance tax [need for trust]
$3 million dollar estate. Given NJ has 0% inheritance tax and the Fed In 2024, the first $13,610,000 of an estate is exempt from taxes, do I still need to create a trust for an only child? Thank...
View ArticlePersonal Investments • Should I care about FDIC or SIPC insurance?
As far as FDIC insurance goes, I understand that they have a nominal limit of $250k covered per bank, per type of ownership. However, I currently have my savings with Bank of America and I imagine...
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Personal Investments • Mid-Century Check-In
Hi all,I turned 51 a little while ago and it's been several years since my last confession, err check-in. I've reached a point where I'm probably FI in the sense that I could cover all my fixed costs...
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