Personal Consumer Issues • Yard Care Starter Kit
After living in apartments/condos for our entire adult lives, the wife & I are taking a plunge into homeownership later this year. It's a fairly big lot for our area (1/2 acre) with a long...
View ArticlePersonal Finance (Not Investing) • Car/Airplane/Toy Purchases % of Income or...
I've heard of the 20/3/8 rule. I've heard of certain other rules but what do bogleheads recommend for a car purchase as a % of net worth, or income, or investment portfolio? Are car purchases part of...
View ArticlePersonal Finance (Not Investing) • 401a and Government Pension Offset
Does anyone know how Government Pension Offset is figured with a 401a? I can't figure it out from the SS site.I have a regular job from which SS is taken out. I am also the higher earning spouse. My...
View ArticlePersonal Finance (Not Investing) • Schwab - how to figure unrealized gains or...
My account recently got moved from TD Ameritrade to Schwab, and I've mostly figured out how to use the website. I have shares of VTI that I have bought over many years. There doesn't seem to be a way...
View ArticlePersonal Finance (Not Investing) • Spousal Social Security when I turn 70
I am presently 68 years old and my wife is also 68, she being two months younger. Her SS is far lower than mine due to her working only 12 years. She started collecting her SS once she turned 66 years...
View ArticleInvesting - Theory, News & General • 2024 Updated but Reverted Fed Tax...
Hi all,As most of us are aware, the current Fed tax brackets will sunset 12/31/2025 without legislative action. Here is my attempt to estimate the Fed tax increase upon reversion. For inflation, I...
View ArticleInvesting - Theory, News & General • Question about Calculating Estimated...
Hello, I am reading the 2nd edition of the Boglehead's Guide to Investing, and I'm struggling in the chapter "How much do you need to save" - so I know there are various online tools but I'd like a...
View ArticlePersonal Finance (Not Investing) • Tax help for older relative in FTL
I have an older relative (80) who needs a good tax preparer in the Ft Lauderdale, FL area. He has a house and investments but is behind on tax filing. His accountant, a solo practitioner, retired. If...
View ArticlePersonal Investments • Life Insurance
Retirement is construed as having 'enough' to coast whilst not being able to predict the circumstances in which one coasts. How do married or parental Bogleheads decide when to stop investing in life...
View ArticlePersonal Finance (Not Investing) • Setting tax withholding - two income,...
My wife makes about $80k and front loads her 401k which means she has nearly zero taxable income for the first four months of the year. She just got her first full paycheck of about $5k and only $36...
View ArticlePersonal Investments • Seeking "sanity check" on tentative...
I'd like to request feedback on my tentative investment plan for a $200K inheritance.My wife and I are both 59 years old and live in New York State. Her father recently died and left us about $150K in...
View ArticlePersonal Consumer Issues • I only use a cell phone heavy three months a year....
I will use 15GB a month when using it on a heavy months. I will use 0GB on some months. What is the cheapest plan for this type of usage?Statistics: Posted by iamblessed — Fri Jun 14, 2024 3:17 pm —...
View ArticleInvesting - Theory, News & General • The rabbit hole of expected returns
In other post, I mentioned I was reviewing products like New Retirement. Unlike products like Empower, it request that you specify the return. I grab the expected return form a Vanguard paper on 2023...
View ArticlePersonal Investments • Larry's asset allocation
Years ago, Larry Swedroe posted his personal asset allocation. I remember it was quite conservative, because he didn't have any need to take risk. But I can't find that post. Does anyone know where I...
View ArticlePersonal Investments • T-Bill yield on 6/20?
Looking at treasurydirect.gov the next sale/auction date for T-Bills is 6/20/24. Do we know what the yield will be on the 3 & 6 mo.? Thinking of putting in an order but didn't know if the yield...
View ArticlePersonal Finance (Not Investing) • ESPP Participation (Yay or Nay?)
Good Day Bogleheads Community. I am a longtime follower, first time poster. I'd like your expert opinion on if I am making an optimal or suboptimal decision regarding my company's ESPP program....
View ArticlePersonal Consumer Issues • Replacing Hub caps
My mom said she lost one of the hub cap and wants me to fix the issue. I am not a car person, so what are the options. It is cheaper to get a single hub cap through the dealer or buy 4 new ones from...
View ArticlePersonal Finance (Not Investing) • Locked Credit Accounts
I periodically check creditkarma for updates. How is this possibleif all 3 agencies are locked?Statistics: Posted by boater07 — Fri Jun 14, 2024 4:51 pm — Replies 2 — Views 261
View ArticleInvesting - Theory, News & General • Retirees: what motivated your AA?
I struggle with allocation. For me, we are a year or two from retirement and the key factors I mull over are the following. Seeking feedback on others thoughts and if these factors played a part, and...
View ArticlePersonal Finance (Not Investing) • 529 withdrawals for K12: What are...
I have searched Google, IRS site, this forum and have not found an answer.The tax payer, Bob, has a child, Timmy, who is a 1st grader at a private school. In the calendar year 2023, Timmy enrolled in...
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