Personal Investments • No More I Bonds Via Income Tax Refund
This may have been discussed here earlier but my searches couldn't find it. According to today's print edition of the WSJ:NO MORE I BONDS This year the Treasury ended a program that let taxpayers...
View ArticlePersonal Finance (Not Investing) • AOTC Income Limit Rant
My personal situation is that all 3 of my kids will be in college this fall, and since our oldest started school my spouse and my income is nearly phased out for AOTC. Good that our income is higher,...
View ArticlePersonal Consumer Issues • India Pharmacies
Does anyone have a positive experience with an Indian Pharmacy that will ship to USA?I have found an USA approved product manufactured by their India subsidiary at about 1/10 the price.Most of the...
View ArticlePersonal Finance (Not Investing) • Career Advice: Finish CFA and get new job...
Hi Bogleheads,I'm contemplating a career change and hoping maybe some of you could help me. I'm currently employed in a government job and have 12.5 years till retirement. Upon reaching full...
View ArticlePersonal Consumer Issues • What's the latest method of setting up a new...
So my wife computer has finally been acquired, and I need to setup her computer. She does not use Windows Online account, so setting this up may be tricky. Do anyone have a link tot he latest? I feel...
View ArticleInvesting - Theory, News & General • Morningstar Style Box
My Morningstar portfolio has a big shift from Large Growth to Large Blend. My largest holding is TSM. Did Morningstar recently change Total Stock Market from growth to blend?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • 1099-K From Paypal Sent to My Address
I received a 1099-K from Paypal for $76.95 with my address on it. However, instead of my name, it says "Fidelity National Information Services" as the Payee and shows the last four digits of a TIN...
View ArticlePersonal Finance (Not Investing) • [Should I buy a fixed deferred annuity?
[Moved into a new thread from: Looking at LTC insurance. Should we buy a deferred annuity? --admin LadyGeek]How does this group feel about fixed deferred annuities? I'd like to have the long term care...
View ArticlePersonal Investments • Can I retire in 2 years
Hi....appreciate opinions....questions at bottom but main request is on opinion about financial readiness to retire in 2 years. Thank you very much!Employer 401k, all pre taxCurrent balance is ~$3M...
View ArticlePersonal Investments • Portfolio Question: Advice on Fund Simplification
Hi all! Long-time lurker, first-time poster. Here's my situation: Emergency funds: 3-4 months emergency fund plus $50K in various sinking funds in HYSA. Average annual spend around $100K in NYC Debt:...
View ArticlePersonal Finance (Not Investing) • better.com, amerisave, rocket mortgage all...
Hi,I am looking to refinance for the first time. I am trying to see what the rates are now, all websites are asking for soft pull and some are asking for credit unfreeze to even show their...
View ArticlePersonal Finance (Not Investing) • Home sale tax (two back to back 2 year apart)
Hello we had to sell our home in Dec 2021 where we met both the ownership and use tests and were able to exempt roughly a $100k gain on our sale. We had stayed here for over 15 years and reported this...
View ArticlePersonal Investments • How much TIPS to purchase?
I've seen two different approaches to deciding how much TIPS to purchase. One is to calculate the amount needed and build a ladder to provide that amount. Today I used tipsladder.com to build a ladder...
View ArticlePersonal Investments • Broad market index funds with less exposure to the...
Can any anyone suggest broad market index funds with less exposure to the ultra high capitalization stocks?The index 500 and total market funds seem overly exposed to risk from the giants.Statistics:...
View ArticlePersonal Investments • Cash balance plan at work, should we use it?
I have a new cash balance plan available at work. My spouse and I are trying to determine if we should use it, and if so, how much I should contribute. I don't have any experience with cash balance...
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Personal Investments • Buy fewer expensive funds or more of cheaper?
I know this isn't a simple question and depends on the funds but I'm confused about what's better to buy between these two mutual funds. My goal is to stay invested in one for 15-20 years. My...
View ArticlePersonal Finance (Not Investing) • New federal employee. Overwhelmed by...
I'm a new federal employee overwhelmed by the number of options we have for health insurance. My former employer only had one carrier and two flavors of HDHP to pick from. I have Crohn's Disease which...
View ArticlePersonal Investments • Replicating VTI/VXUS at Schwab
I just switched careers; from park ranger with the National Park Service to financial service representative at Charles Schwab. Naturally, I’m required to transfer all my holdings into my new...
View ArticleInvesting - Theory, News & General • Foreign tax credit and fund choice
Investors in foreign stock funds need to consider the foreign tax credit in both fund choice and asset allocation decisions. But the importance of the credit depends on the decision the investor is...
View ArticlePersonal Finance (Not Investing) • Move VG Roth to Fidelity for ZERO fund?
My Roth account at Vanguard currently has 100% investment in VTSAX. My other retirement accounts include bonds and international.The expense was extremely low for VTSAX, however, it’s not zero.I have...
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