Personal Finance (Not Investing) • Living Trust: What is the maintenance like?
I've seen it mentioned in a couple of books and a few places online that living trusts come with some maintenance, but none mention what this is. I'd like to know more if anyone is willing to share...
View ArticlePersonal Consumer Issues • Insuring multiple motorcycles
Two-wheeled Bogleheads, what is your insurance strategy for multiple bikes?I currently have three machines, and keep liability-only policies on them year-round. I know many riders that only insure...
View ArticlePersonal Finance (Not Investing) • Another “should I pay off my mortgage?”...
Read the others. Apologies for the repost, but believe I am in a different situation. Recent windfall of $1 million. 39 with 38yo wife. Remaining mortgage balance is $931k. Rate is 4.99%. Monthly...
View ArticlePersonal Investments • Dropping Vanguard PAS - need advise
We use Vanguard PAS to manage some of our accounts totaling $565K. We also have other accounts with Vanguard that we self-manage totaling $758K. We are planning to move away from Vanguard PAS. We have...
View ArticlePersonal Finance (Not Investing) • Re: Question about acquiring a "high...
Dear Bogleheads, What is the best strategy for acquiring a "high limit" on a credit card? I plan to apply for a Chase Sapphire Preferred credit card in a few months mostly for the trip interruption...
View ArticlePersonal Investments • Difficulty with Fidelity linking my trust checking
Hello everyone!This is my first post, but I have learned so much on Bogleheads over the years!I currently primarily use Vanguard for investing and am extremely pleased. I recently have started using...
View ArticleInvesting - Theory, News & General • Opinion sought for pension distribution
My wife and I are currently offered a defined contribution plan and defined benefit plan through our employer. I guess my question is even though I am 10 years to making some of these decisions how...
View ArticlePersonal Investments • ESPP vs. mega back door Roth
Question: Should I contribute $25K/year to my employer's ESPP, a 401(k) mega back door, or split between both?Background: My employer offers a fairly typical ESPP: Up to $25K/year can be used to...
View ArticlePersonal Finance (Not Investing) • Life Expectancy- A Few Questions
Background: I will be 79 next month. DW is 71.I have a TIPS ladder in my Rollover IRA with the last rung maturing on 1-15-2034, and I was thinking of using the proceeds of the one maturing on the 15th...
View ArticlePersonal Investments • How safe is your financial aggregator?
I've been extremely cautious about using my computer to access financial accounts since my bank account was hacked and $30k was transferred without my consent a couple of months ago. Although the bank...
View ArticlePersonal Consumer Issues • No Drill blinds
[Topic is now in Personal Consumer Issues - mod mkc]Family member lives in high rise building in city and it is not possible to drill next to Windows (It seems window is mounted on brick/concrete).I...
View ArticleInvesting - Theory, News & General • Vanguard Report - 401k Trends of 2023
Lots of data on 401k participants based on industry, size of company, # of funds, types of funds, savings rate, etc. If not already posted, I thought it would be worthwhile sharing the info to compare...
View ArticlePersonal Investments • Executing a Move from Schwab Intelligent Portfolios
I've had an IRA with Schwab Intelligent Portfolio for some time, and I'm in the process of moving this to a simpler self-directed 3-ETF-fund setup.I've already moved all of the existing SIP holdings...
View ArticlePersonal Finance (Not Investing) • Estate tax for non-residents
A relative passed away recently and left a US bank account. His wife is a beneficiary on the account.Neither of them are US citizens or residents (and not from an estate tax treaty country list...
View ArticlePersonal Investments • Delay taxes with below par value bonds?
Hi,For sake of simple math, lets assume that the 10 year treasury note is yielding 5%.Lets say I want to invest in a 5% bond for ten years. But I want to delay my taxes as much as possible and I want...
View ArticleInvesting - Theory, News & General • What is the distribution of returns...
I've seen some interesting charts that for total market indexes, only a few stocks drive the returns above the performance of the index. Most stocks underperform, many of them have negative returns...
View ArticleInvesting - Theory, News & General • The nice thing about VBTLX is that...
I've been invested in VBTLX/VBMFX for some three decades now, and i know that over the long term it cycles around a central NAV of $10. Some years/decades it's above that and some years/decades it's...
View ArticlePersonal Investments • Gifting low basis stock or cash to children
If you wanted to make gifts to your children with no income (student in their 20's), would it make sense to give very low basis stock vs cash so they could sell it up to taxable income of $47K at a 0%...
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Personal Finance (Not Investing) • Question about option trading
I am just trying to learn this particular oneIf I were to buy this option I am buying min 100 shares right? Then the minimum I have to pay is approximately 100x122=$12,200Expiration is December 18,...
View ArticlePersonal Investments • Cash v Stocks when you are income challenged
I’ll try to keep this brief, although I’m not entirely sure how to frame the question. Basically, what’s the point in having a high stock balance if:1) You only feel comfortable spending the dividends...
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