Personal Investments • Moving a 5304 SIMPLE IRA
Hello,My employer has a 5304 Simple IRA plan that's been going to an account at Edward Jones, which has not been going too great investment wise.(5 years performance on a high risk equity only being...
View ArticlePersonal Investments • Lower income next year. Roth vs Traditional 401k vs...
Hi - I am planning to take a career break in 2025 but will work out a 2-3 month notice period. During this time, I will probably be able to put away 20k in my 401k plan. I have historically done...
View ArticlePersonal Investments • How should I invest rental sale proceeds for future...
We are 50 years old and hope to retire in 5 years at 55.We have four rental properties that we are planning to sell due to lower returns from remote management and rising property taxes and insurance...
View ArticlePersonal Investments • Please help me right this ship, ugh
Happy New Year!I tried to follow the protocol, best as I could: Married, filing jointly, retired (husband 69, me 67) Fed tax rate 12%, State 1%. Emergency funds adequate, 300,000. mortgage at 2.5%....
View ArticlePersonal Investments • Is this a wash sale?
I bought VXUS on December 2nd (and also have other lots before this date). I would like to sell the tax lots that are down and then plan on buying VTI with the proceeds.Is it a wash sale if I sell the...
View ArticlePersonal Consumer Issues • Delta SkyMiles free bag
Curious if anyone can tell me, if my wife has the Delta credit card that allows one free checked bag per flight and I’m listed as a second person on her card do I get a free bag checked too? Or do I...
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Spain • Long-Term investment idea
Hey folks! I hope everyone is doing good! I just inherited 50k EUR from my parents and I wanna start investing for the long term.I am on my 27 years old, have already an emergency fund for myself and...
View ArticlePersonal Finance (Not Investing) • How to know which institutions sent 1099s...
Hi Bogleheads,Sometime ago I read somewhere that there is a way to login on the IRS website and see which financial institutions had sent 1099 forms to the IRS for a given tax year (and how much $$...
View ArticleInvesting - Theory, News & General • Larry Swedroe says Total US and...
Hi all, here is a quote from a recent video I saw where Larry Swedroe was asked about using International Stocks to add diversification. I would like your comments:“I believe that you should diversify...
View ArticlePersonal Investments • IPS Review
I've been lurking on the forum for a while and have never posted. Finally got myself to write down an IPS and would appreciate feedback.Background/assumptions- My spouse and I are both 45 and working-...
View ArticlePersonal Finance (Not Investing) • Remote Deposit Bank
I need to deposit about 300 checks a month. Does anyone know of the best bank for this? I am trying to minimize bank fees.Thank you!Statistics: Posted by njinvestor2019 — Tue Dec 31, 2024 11:46 am —...
View ArticleInvesting - Theory, News & General • RMD plus Interest
from a 2012 paper by Sun and Webb https://crr.bc.edu/wp-content/uploads/2 ... 19-508.pdfthey had the following"To illustrate, a 65-year-old couple with financial assets of $102,000 who received $2,000...
View ArticlePersonal Finance (Not Investing) • Prescription Drug Scams
Not going to name the companies involved in case it isn't appropriate on this forum but just ran into what I consider to be a scam involving a major U.S. pharmacy. Found out a prescription we paid $55...
View ArticlePersonal Finance (Not Investing) • Need some retirement advice, please.
I have come to the relative end of my company retirement fund . I would have had plenty if not for my son's tuition bills ($120,000) which I foolishly paid before they could be expunged.In any event,...
View ArticleInvesting - Theory, News & General • What to use for non-equity portion...
Hi Forum,Happy New Year! We’ve been 50% S&P 500 (FXAIX) and 50% US Total Bond Fund (FXNAX). As my spouse and I approach retirement (in about 5 years), we’ve started to wonder whether we should...
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Spain • TEFRA withholding
Hi all,I'm a Spanish citizen and resident (and a Spanish boglehead by the way). Many years ago I was US resident (working in the US) for a couple years and when I returned to Spain I decided to leave...
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Personal Investments • Are Tax Loss Harvesting rules share specific?
Thinking of TLH some old shares of a fund that have a lossNot selling any shares purchased in the 31 day windowThe proceeds from the sale will be used to buy a non-similar fund.Not sure if the newer...
View ArticlePersonal Finance (Not Investing) • elderly parent received snail mail RE:...
My parent, who lives several states away (so I can't see this in person) received a letter in the mail stating she has not used a debit card that was sent to her 3(?) years ago which was a covid-era...
View ArticlePersonal Investments • rebalancing in retirement
Hi, this group has been so helpfulI am retiring in six months. I learned about bogleheads this year and love and plan on going to next year's conference in Texas where I live. Funds are in four items...
View ArticlePersonal Finance (Not Investing) • Problem with resolving Experian discrepancy
Hello,I'm having a bit of an issue with Experian. Since my name change, Experian is saying I don't have a credit score (despite having a credit history that is 10+ years old and Experian does have my...
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