Personal Investments • Helping an 18-year-old open a Roth IRA at Vanguard
I'd like to help our daughter open a Roth IRA account at Vanguard when she turns 18 this month. She has earned income from a part-time job, although we might give her a modest amount of money to...
View ArticlePersonal Finance (Not Investing) • G-Class Loan Payment Strategy
I recently purchased a Mercedes G-Class for roughly $133,000 total including taxes, fees, extended warranty, etc. I took a loan for almost 8% from Mercedes to purchase the vehicle. After receiving the...
View ArticlePersonal Investments • Questions re: Dear Wife's 401(a) Employee After-Tax...
Hi, My dear wife and I are trying to figure out what we should do, if anything, with her $218,000 in after-tax contributions in her 401(a) that she has apparently been making over the years.From what...
View ArticlePersonal Finance (Not Investing) • H&R BLOCK IRA Tax Penalty
This is my fourth year for receiving a distribution from a traditional IRA. I have always taken out between $500 to $1000 more than the calculated RMD (required minimum distribution) to ensure I cover...
View ArticlePersonal Investments • CD vs Bonds
I have 2 Million to invest in fixed income. CDs offer clear returns. Confused on bond returns. This portion - the 2M - needs to be ability to sleep at night fixed return investment. Age: Spouse &...
View ArticlePersonal Investments • Tax on dividends in IRA vs Investment Acct.
I think I know the answer to this, but if I take dividends from my taxable investment account, as well as from my IRA or 401k, the tax I'm paying is the same for either, correct?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Where to report 1099 NEC income
Hello,I have a question about where to report income from a 1099 NEC.My husband received a 1099 NEC for some committee work he did for our town. It is not self-employment income. Nothing on Schedule C...
View ArticlePersonal Investments • HELP: After-Tax Variable Annuity TAXES
Hello Bogleheads,My father is retiring soon, and I am trying to help him manage his taxes. He has been enrolled in a retirement plan throughout his career called the NJ SACT which is an after-tax...
View ArticlePersonal Investments • Is Uranium a good stock to buy now?
I'm looking for long term growth; preferably more than 1-3 years. If it's shorter term for 2-6 months then that's fine too. Professional advice is needed as I can't risk my money at all.Statistics:...
View ArticlePersonal Finance (Not Investing) • What is the real advantage of using credit...
BHs:I am trying to decide accepting an offer for a 0% APR. One for 15 months and another for 21 months. What is real advantage of using these? Would investing the money in the market that I would use...
View ArticlePersonal Finance (Not Investing) • House is getting pretty worn, considering...
We bought an old home almost 20 years ago and did a gut renovation of much of the house. Twenty years, two kids, and several pets later the house is showing wear and tear. Everything is still...
View ArticlePersonal Finance (Not Investing) • FreetaxUSA - How to get state tax pdf ?
I'm trying out Freetaxusa for the first time. I actually had my CPA electronically submit my 2024 NY state and federal tax returns already but I want to test out Freetaxusa in anticipation of using it...
View ArticlePersonal Finance (Not Investing) • Selling investments to meet mortgage payment
In short: Is it a good idea to buy a house when you know you'd have to sell your investments to meet the mortgage payment?I'm in my early 40s and lived a very frugal life, always been renting. My...
View ArticlePersonal Finance (Not Investing) • What is the minimum bonus that would...
I've seen posts from people who chase bank and brokerage bonuses, but I'm curious what is the minimum for you to make it worthwhile?It seems like quite a bit of work to open a new account, deal with...
View ArticlePersonal Finance (Not Investing) • when to start collecting social security
Suppose two guys, A and B, are the same age (57), same salary, same life expectancy (90+), etc. A plans to retire at 65 but not collect social security until age 70. B plans to retire at 67 and start...
View ArticlePersonal Investments • 403B,401A,457B Retirement Portfolio Review
Hello, looking for feedback on Retirement fund allocation, presently equity heavy and seeking to rebalance as nearing retirement. Assumptions:Desired Asset allocation: 60% stocks / 40% BondsDesired...
View ArticlePersonal Investments • Portfolio review and rebalance suggestions
Emergency funds: Six months Debt: None Tax Filing Status: Single Tax Rate: 19% Federal, 6% State State of Residence: NJ Age: 34 Desired Asset allocation: 100% stocks Desired International allocation:...
View ArticleInvesting - Theory, News & General • Investing when you don't expect...
I'm trying hard to word this to abide by the forum's rules; if I misstep, please let me know and I'll adjust accordingly.Is there any investing advice for when you are concerned about the future...
View ArticlePersonal Finance (Not Investing) • Hidden tax data on Vanguard tax statement
I received my Vanguard tax statement, and almost missed one key piece of information.Near the end, there is a page, "Mutual Fund and UIT Supplemental Information", which identifies the portion of the...
View ArticlePersonal Finance (Not Investing) • Assessment vs lisiting price for home -...
We recently moved to a new home in HCOL area. We initially tried renting our previous home in the same area because of its low mortgage rate (2.2%), but after a few months without finding a suitable...
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