Personal Investments • Portfolio Review for Elementary Teacher
Hi Bogleheads,I’m an elementary school teacher who’s done my best to set up our finances following advice I've gotten here over the years. We’re currently making our way through the “intensive...
View ArticlePersonal Finance (Not Investing) • Advice on roof replacement
Our roof is nearing the end of its useful life and we intend to replace it soon. We’ve spoken with three potential contractors.#1: Very professional impression. All the bells and whistles, including...
View ArticlePersonal Consumer Issues • Where would I find best auto interest rate? (High...
I am either going to buy a New Porsche or a Certified Pre-Owned Porsche to replace my existing one, and I would like to know where I can find the best interest rates. From my initial discussion with a...
View ArticlePersonal Finance (Not Investing) • Why Doctor (PCP) won't allow self-pay?
I am currently insured through Obamacare. I had to change insurance companies during December open enrollment to ensure availability of a certain type of specialty doctor (Retinal Ophthalmologist). As...
View ArticlePersonal Investments • Calculating Reduced Roth IRA Contributions
For the 2024 tax year, I maxed out my Roth IRA, but am over the MAGI limit $230k, but under the limit ($2400k) where you cannot give any contributions. The IRS gave an equation (link below) on how to...
View ArticlePersonal Finance (Not Investing) • Inherited IRA Rules RMDs
I have two parents who passed in 2021. I thought I had 10 years to take those inh ira accounts to 0. Now it appears there's new rules for non-spouce that require you to take RMDs if the origninal...
View ArticleNon-US Investing • The problem with buying shares of ETF IShares MSCI ACWI
Hi, I wanted to buy ETF IShares MSCI ACWI for 60k EUR and had a problem finding a seller. I offered a good price. Is it possible that if I sell/buy such a bunch of ETF fund shares at once that you may...
View ArticlePersonal Consumer Issues • Very cold weather and use of Dry Gas in car
It's going to be under 0°F for at least 3 nights. Is it still good practice to add Dry Gas to your car? Most gas today contains some ethanol. Is that enough to keep your gas line from freezing?...
View ArticleInvesting - Theory, News & General • Inflation historian, Prof. Carola...
Podcast Link>Episode 78, Carola Binder, author of Shock Values: Prices and Inflation in American DemocracyMy guest on Episode 78 is Carola Binder, an associate professor of economics at the...
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Personal Finance (Not Investing) • How do you Turbo Tax?
If you use Turbo Tax to file your taxes:What is your Tax filing road map?Do you fire up Turbo Tax on day one after installing and run it often to do all the updates, even though you have none of the...
View ArticleInvesting - Theory, News & General • Gen Z Plans to Invest Conservatively
Gen Z less interested in stocks than older generations, more into high yield savings and bonds:A survey found that Gen Z intends to invest in cash assets and bonds more than older...
View ArticlePersonal Investments • Safe Withdrawal Rate
As far as the Trinity Study goes, how would the safe withdrawal rate percentages change if a person has a paid in full long term care policy? Is there any way of knowing the equivalent to a 4% or 5%...
View ArticlePersonal Consumer Issues • Washing synthetic 'workout clothes': laundry...
Occasionally, when I wash workout clothes I have found an annoying white substance on the clothing material. Unfortunately, I can't easily show a picture (as I haven't figured out how to do this on...
View ArticlePersonal Consumer Issues • Unclaimed property forms help.
Has anyone done the unclaimed property search and discovered a dead relatives name w fair amount of money attached. Found some in an uncles name. My mother was executor of estate and she never claimed...
View ArticlePersonal Finance (Not Investing) • Wire to Pay Federal 1040-es
I'm not a fan of PULL payments, to put it mildly. So I've been looking for a way to PUSH a personal quarterly tax payment to the IRS. The IRS does accept wire payments, but I'm unclear if quarterly...
View ArticlePersonal Consumer Issues • Should we keep our landline phone?
Currently we have: 2 cell phones - carrier is Tracfone 1 landline phone using VOIP from Cox cable - tely company is ClearLive; costs $20 / monthAny reason we should keep the landline?In a power...
View ArticleInvesting - Theory, News & General • WSJ Reporter doing story about...
Laura Saunders of the Wall St. Journal would like to hear from Bogleheads willing to be quoted who have strategically accelerated income to avoid a larger tax later on. For example, heirs of...
View ArticlePersonal Investments • Tips interest payments
I’ve read that the fixed interest on tips held in a tira go directly to the sweep account monthly, the biannual inflation adjustment is added to the bonds balance. I’m attempting to understand how...
View ArticlePersonal Investments • Portfolio Review - Transition into Retirement
My spouse and I have saved diligently over the years to build a HNW. Based on our balance sheet and Monte Carlo simulations, we’re in very strong position to retire before the official age of 67. I...
View ArticlePersonal Investments • Can I Open a Roth IRA for My Sister?
Hello, I’m considering opening a Roth IRA for my sister and making contributions on her behalf. Her annual income is $54,000. I’d like to manage the account myself if possible. Would it be allowed to...
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