Personal Investments • Tax Inefficiencies
I received this message from a Fidelity agent."I tried calling out to you to schedule sometime so that I can bring up to your attention some tax inefficiencies in your brokerage account, as if it's...
View ArticlePersonal Finance (Not Investing) • $4 million house???
We are considering a $4 million, 16,000 sq ft house (built 2005), 2 acre lot, 8 bed/9 bathCan we afford it? If so, should we buy this house?Married. Both mid 40’sThree elementary school kidsMedium...
View ArticlePersonal Consumer Issues • Which is better > Wawa, Sheetz, or Buc-ees?
I do not have a Buc-ees near me yet, but I enjoy both Wawa and Sheetz. Within a few months Buc-ees will be opening down the road. Is Buc-ees going to be the game changer? From a food standpoint it...
View ArticlePersonal Investments • Accrued interest on brokered CD sale?
If I sell a brokered CD which I hold at Schwab, do I only receive their indicated "market value" ? Or do I receive the market value PLUS accrued interest?(I do understand that Schwab's indicated...
View ArticlePersonal Investments • Roth Conversions when in Highest Tax Bracket
All – Wanted to get some thoughts from the group on some Roth conversion matters I have been thinking about. Wife and I are in or mid 40s. We have plenty of assets both inside and outside of tax...
View ArticlePersonal Consumer Issues • Ancestry - Denmark
Probably better places to post this but I've gotten some very useful messages/help on non-financial topics before from helpful people here so I thought it was worth a shot. Going through my late...
View ArticlePersonal Finance (Not Investing) • How to do backdoor-Roth of 7k when there...
I was trying to do contribution for what's known as backdoor-Roth for year 2025 where the max contribution limit for backdoor-roth is 7k.But my TraditionalIRA+RolloverIRA already has some small amount...
View ArticlePersonal Consumer Issues • Mail Spam Folders
[Topic is now in Personal Consumer Issues - mod mkc]My yahoo email account gets lots of spam in the hundreds. Whereas, google mail gets very few.What accounts for that?Statistics: Posted by boater07 —...
View ArticlePersonal Finance (Not Investing) • Is a 5-Ton HVAC System Properly Sized for...
We recently installed a heatpump based HVAC system in our house, which is 3,200 sq. ft. with 12 ft. ceilings. The contractor installed a 5-ton system, but I’m wondering if there’s a way to confirm if...
View ArticlePersonal Investments • TIAA Traditional
Hi Bogleheads,Could someone with a TIAA Traditional do me a solid and tell me what their current annuitization rates are, hopefully age 60+ but anything works. Just let me know age, payout rate and...
View ArticlePersonal Investments • Cash equivalent of restricted stock units
I work for a publicly traded company with a historically low share price. The decline in interest rates should help the company valuation improve over the next few years, but there will be...
View ArticlePersonal Finance (Not Investing) • Yubikey 5 with Yubico Authenticator App at...
Reading recent threads and I am interested in increasing security without using a different security solution for each company.Is anyone using the Yubikey 5 and the Yubico Authenticator App with their...
View ArticlePersonal Finance (Not Investing) • Can I afford a 1,150,000 house?
Looking into buying a $1.15m house and looking for some guidance. Wife and I both work in the healthcare industry. House:$1.15m. 150k down payment, 20k closing costs, total est. ~$175kish at...
View ArticlePersonal Investments • transferring Fidelity Wealth Management IRA to...
My wife and I are currently invested with Fidelity Wealth Management. I need advice on the best way to transfer my Fidelity Traditional IRA ( comprised of Fidelity Proprietary Funds) to Vanguard...
View ArticlePersonal Consumer Issues • Are LoveSac couches worth it?
We are in the market for a new sectional sofa. We have looked at traditional brands but also looked at Lovesac. I am intrigued by the modular system, the washable covers and the ability to change the...
View ArticlePersonal Finance (Not Investing) • HSA - use it?
49 years old and my wife is as well. $125k in an HSA, invested in VTI, still contributing the max yearly. We have enough net worth to have work be optional. Just wait and pay premiums with it assuming...
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Personal Investments • Why are India ETFs (EPI-INDA-SMIN-INCO-GLIN-INQQ)...
For those in India ETFs like EPI-INDA-INDY SMIN-INCO-GLIN-INQQ-DGIN, etc. what is the reason for the recent swoon? Seems like a buying opportunity. However, I checked the exchange rate and the USD is...
View ArticlePersonal Finance (Not Investing) • Starting Medicare Mid-year & Part-Year...
Background: I am retired and already receiving both my Social Security and Medicare coverage. My wife is younger than me and also retired. She started drawing her social security at 62 and will be...
View ArticlePersonal Finance (Not Investing) • How To Buy a Home in Retirement
How do lenders figure how much one qualifies for in Retirement?Statistics: Posted by HighLonesome — Fri Jan 24, 2025 4:02 pm — Replies 7 — Views 529
View ArticlePersonal Consumer Issues • Was my certified letter lost?
I mailed on Tuesday the 21st my state electric car rebate. I had it as a certified letter with tracking. The initial tracking said the USPS has the item in possession with an estimated delivery being...
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