Personal Investments • Annuities and IRA confusion
So I was thinking of buying a 250k fixed income annuity using funds in my Vanguard traditional IRA account. Well, apparently Vanguard no longer offers annuities.My questions are this:1) Do I rollover...
View ArticlePersonal Finance (Not Investing) • Maximizing step-up benefits associated...
Sometime in the next 10 years my parents will, sadly, probably pass away. They own some land, other real estate, and cash assets primarily in a trust that are modestly valuable (probably a few million...
View ArticlePersonal Investments • Mega BackDoor - highly recommend it for those that can...
I am in the last 6 months of my career.For the last 3-4 years I have taken advantage of Mega BackDoor, many companies but not all support it in their 401k plans.Check your plan.I would have done it...
View ArticlePersonal Finance (Not Investing) • 5.6% Mortgage - Pay off early or Invest?
Hello,As the title suggests, currently trying to decide what is the better option. I recently purchased a one bed condo. Mathematically, I know that SP500 averages 10% a year, so since 5.6% is less,...
View ArticlePersonal Consumer Issues • Del Mar, CA: Things to Do?
I'm heading to Del Mar. Things in particular I should do?Statistics: Posted by JustGotScammed — Wed Jan 22, 2025 2:47 pm — Replies 4 — Views 252
View ArticlePersonal Finance (Not Investing) • Rollover question using TurboTax
I did a rollover from a traditional to Roth IRA last year (both accounts from TIA). Very small amount ($2400).I imported 1099-R form into TurboTax. After I answered, "Was this Money Rolled Over to a...
View ArticlePersonal Finance (Not Investing) • triple checking 8606 when did both the...
Just a triple check. Last year 2023 (unfortunately) had taxes withheld but did not do an indirect rollover from taxable to Roth to refill the taxes withheld. This year, 2024, did the conversion AND...
View ArticlePersonal Finance (Not Investing) • Tax Modeling Options/Help
I’m approaching retirement in a few months and trying to make some decisions on my pension options. I’m retiring early (55) and fortunate enough to have a decent pension from my employer.There’s no...
View ArticlePersonal Finance (Not Investing) • Estate Planning Tax Related Questions
Dear Bogleheads,Allow me to first express my gratitude for the wealth of knowledge I've gained from this forum and its predecessor since 2004. The Bogleheads' investing philosophy has had a profoundly...
View ArticlePersonal Consumer Issues • someone else's 1099 mailed to my PO box
I have had this PO box for 14 years.I see in Informed Delivery that a 1099 or W-2 for someone was mailed to my PO Box and arrived yesterday Jan 21.The envelope says Important Taxt Return Document...
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Personal Investments • Few General Rollover IRA Questions
Hi folks, just had a couple of quick questions. I've gotten some amazing advice and information here in the past, so thank you all sincerely I've completed my 401k rollover (company was bought, had to...
View ArticlePersonal Investments • 2025 Portfolio Review - 30yo w/ $280k
30. Single. Florida. Not HSA eligible. No projected kids.401k — $143k (78/22)/10 (18.2% is in Roth)• $101k SSEYX (SS S&P 500 INDEX II | 0.01% ER)• $29k SSGVX (SS GACEQ EXUS IDX II | 0.056% ER)•...
View ArticlePersonal Consumer Issues • Bathroom remodel - take a chance on contractor
I am looking at completely remodeling a bathroom and the contractors I call that I like say they are booked for the next six months to a year or I just don’t like them. I’ve had a small shop do some...
View ArticlePersonal Finance (Not Investing) • IRS not cashing my check, or not receiving...
I recently got a CP2000 for tax year 2022 which advised me of some mistakes on my part. Including the onerous penalties and interest payments due, I was judged to owe $10,000. Payment options were...
View ArticlePersonal Finance (Not Investing) • Freetax USA Question
I just started my return in the income section. A question popped up whether I madeRoth contributions before 2019 with a space for basis.That doesn't make sense since all distributions are tax...
View ArticleInvesting - Theory, News & General • Are stocks less risky than they used...
In another thread, we have been discussing why the recommended stock/bond splits for average investors have been much more aggressive these days, as opposed to 30 years ago. Vanguard’s Target Date...
View ArticlePersonal Investments • Vanguard Partial Trade Execution – should this have...
Here is the summary of what happened. Using my Vanguard Brokerage Account, I placed a Limit order to buy 200 shares of a Vanguard ETF. After a few minutes of doing something else, I check on the...
View ArticlePersonal Consumer Issues • Need to replace gas cooktop and downdraft
The time has come to replace my 36 inch Viking gas cooktop, and separate GE downdraft unit. Does anyone have recent experience with this? Specifically, are units with a built in downdraft as good as...
View ArticlePersonal Finance (Not Investing) • VA HealthCare and ACA overlap Tax Consequence
DW and I were on ACA from January-July 2024She switched to Medicare on August 1st.I was finally able to get appoved for VA Healthcare on July 25th.I canceled ACA for both of us on July 31st.Our ACA...
View ArticlePersonal Investments • Late Roth conversion in 2024
Hi,Thanks in advance for the help. I am wondering if I messed up and will just have to deal with the tax consequences or if I am filling out Turbotax incorrectly. Here is my situation:In 2023 I opened...
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