Personal Consumer Issues • Rewards card points worth $50 statement credit...
I am a card holder of a less popular credit card (withholding name). I keep it active every month or two with a small charge and often times a higher charge. I liked the card because it has a specific...
View ArticlePersonal Finance (Not Investing) • Planning on forming LLC
Hi,I just joined this forum seeing that others have asked questions related to LLCs and hoping someone can answer some of my questions. I'm planning on forming an LLC with only myself as an employee....
View ArticlePersonal Consumer Issues • Traveler's Checks (or Cheques)
There have been posts in the past on this subject, but I thought I would talk about a recent experience. A relative left me her estate, and I found among her effects $1000 in American Express...
View ArticlePersonal Finance (Not Investing) • Income tax question RE paying WA ST...
I am a WA State Public Employees Retirement System (PERS 3) member.I missed three months of work due to a surgery. The WA State Department of Retirement Systems (DRS) sent me a letter stating that I...
View ArticlePersonal Investments • Vanguard auto Roth - What year?
Looking to top up my son's Roth (I have a matching deal with him to encourage him to auto contribute).Since his 2024 limit has not yet been meet - What year is attached to his AUTO contributions for...
View ArticlePersonal Investments • Open Roth IRA or contribute to Spouse's or both
Seeking input on whether I should open a Roth IRA, contribute to DW's Roth IRA, or both, or do nothing - thanks in advance (this would be for tax year 2024)Backgroundage: him 63 her 67Retired in June...
View ArticlePersonal Finance (Not Investing) • 59 unemployed and uninsured. healthcare.gov
I left my job last february and declined the cobra because I'm healthy.. But now that my income has dropped to the total dividends and distributions of my taxable vanguard account, I need to see if I...
View ArticlePersonal Consumer Issues • are there deals to be had given the whiskey downturn?
"America’s Bourbon Boom Is Over. Now the Hangover Is Here.After years of rising sales, distillers are contending with waning demand and a glut of supply"https://www.wsj.com/business/americas-b ......
View ArticlePersonal Finance (Not Investing) • What do flat fee based financial advisors...
I am still 4-5 yrs away from retirement. Right now I am playing with software tools like BoldIn, Parlana etc. but also think it might be worth checking in with some flat fee based financial advisors....
View ArticlePersonal Investments • How to Proceed with BND in IRA
Retired couple. 68. 69. We have sufficient income from pensions and social security for our living expenses.We have Roth IRA's with $$$ due to many conversions over the years. Both consist of 60% VTI...
View ArticlePersonal Consumer Issues • Antarctic Trip recommendations?
We're beginning to plan a trip to Antarctica. We definitely want an expedition type trip which does landings on the continent, not just a sea cruise. We will go in either November or December. For...
View ArticlePersonal Finance (Not Investing) • Spousal benefits, the entire SS &...
My wife retired early 2024, I just retired and will start to receiving SS benefits this month.Today my wife just received a letter stating she is getting a monthly increase because of my retirement,...
View ArticlePersonal Finance (Not Investing) • Vanguard App Notification...
Subject says it all.My app pinged me with "BD-1099R tax form available" as the heading and then "You can now view and download your BD-1099R tax form in the download center"I realize that my 1099-R is...
View ArticlePersonal Investments • Do I need to file a tax return?
Hello, I have no earned income (unemployed), but have approximately $5,000 in annual capital gains distributions (i.e. unearned income) from a mutual fund that I hold. Do I need to file a federal...
View ArticlePersonal Finance (Not Investing) • EOY Report on Personal Finances for Spouse
I handle the bulk of the personal financial management load and every year I write up an End of Year Report for my spouse. We then go through it discussing each section, answering questions, making...
View ArticlePersonal Investments • Any Way to ACH Transfer Funds between Vanguard &...
I'll be moving a significant amount of money soon from my Vanguard Brokerage account into a couple accounts at E-TRADE. I know I could move the money from Vanguard to my linked bank account and then...
View ArticleInvesting - Theory, News & General • Magallan as an why you can lose...
I saw a tidbit recently about Peter Lynch time on Magellan tenure around 1977 to 1990. During that time period, Lynch rack up an impressive 29% annual return doubling the S&P 500 for the same...
View ArticlePersonal Finance (Not Investing) • Question for Form 1099-R from 2024...
Dear Bogleheads,I contributed $7000 to my Vanguard IRA account, then rollover to my Vanguard Roth IRA account the next day.I received 2024 Form 1099-R today from Vanguard for this Backdoor Roth...
View ArticlePersonal Finance (Not Investing) • IRIS 2024 Form 1099-R Box 7 filing...
As of today 1/13/2025 IRIS portal is rejecting 2024 Form 1099-R Box 7 single code submissions with error message "Box 7 - Distribution Code(s) - You must select a valid pairing." I am attempting to...
View ArticlePersonal Finance (Not Investing) • Help navigate decision to extend college...
New account created with approval from moderators (thank you) to post this topic. In the interest of keeping privacy of student that may be a giveaway if other people in the know end up browsing this...
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