Personal Finance (Not Investing) • CPA & IRS two problems
Hi fellow BH's I have two problems that I need some help with.#1- I have used the same CPA firm for the last 17 years. Our relationship consists of me packing a Fedex box early in April & sending...
View ArticlePersonal Finance (Not Investing) • Vanguard doesn't need names of children...
I recently changed my IRA retirement beneficiaries from my three children to the phase "To my descendants who survive me, per stirpes". I asked how Vanguard would know who my children are, and the...
View ArticlePersonal Investments • 403b Options
I have two 403b accounts, one from my current employer and one from a former employer. Both roughly 200k now. They are in the same insurance company and were invested in the same securities. Basically...
View ArticlePersonal Investments • Bonds in Roths
I have a handful of retirement accounts (none are taxable) and an overall 60/40 split. At first I just planned to keep each individual account at that ratio, but have also read recommendations to not...
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Personal Consumer Issues • Where to find a gigantic goose down duvet?
DH and I need a bigger duvet so we’re no longer playing tug of war in our sleep We have a king size bed and would like to keep the cost in the $500 range if possible. We are partial to goose down, not...
View ArticlePersonal Investments • Treasury Ladder Execution
A question about executing the tip ladder tool. The tool is quite helpful, but have issues to execute the recommendations, Let me explainI accessed the site yesterday and received the output. One...
View ArticleInvesting - Theory, News & General • Early Semi Retirement
Just starting to think about this. I am 38 and have about a 730 k net worth. 642k of that in index funds. I would love to go to part time work by 45 or 50. But I need health benefits. I am aware of...
View ArticlePersonal Investments • Leaving an AUM Financial Advisor
Hello all,I am hoping to learn from those who have done this before so I will be prepared when I leave my current AUM advisor. I currently have around half my investments with this advisor - one...
View ArticlePersonal Finance (Not Investing) • Merchants and card surcharges - are they...
I'm noticing more and more places instituting credit card surcharges of 3%+ for any type of card, credit or debit. I thought this was against the Visa/MC/Amex merchant terms, or did that change? It...
View ArticlePersonal Investments • active funds that beat index over last decade
Following information was presented in recent Jason Zweig column in the WSJ:Over the past decade, an annual average of only 27.1% of actively managed funds benchmarked to the S&P 500 beat it....
View ArticlePersonal Consumer Issues • programmable in-wall timer with sunset/rise not GE?
We've used GE SunSmart in-wall timers for three of our outside lights for years.https://www.amazon.com/GE-SunSmart-Auto ... r=8-1&th=1I'm looking for a replacement because every few years a timer...
View ArticlePersonal Investments • Ideas on simple portfolio?
I am 73 years old with $1.0 MM, 1/2 VTI, 1/2 various Vanguard bond funds (short and intermediate). Is there a simplier less volatile way to invest this money so I don't have to think about...
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Personal Finance (Not Investing) • Buying my first house. Should I put down...
Hello everyone.I am buying my first house.I’m 36 years oldPurchase price is 560kZillow says the house is worth 710kI am still waiting on appraisal. I have lived here for 10 years renting, it is a off...
View ArticlePersonal Finance (Not Investing) • Please scrutinize my FIRE plan - work a...
Married couple in mid 30s with a toddler. Currently in HCOL and plan to relocate back to home country in Asia for early retirement.Net worth:- about 3m in after tax accounts invested in VTI (us total...
View ArticlePersonal Finance (Not Investing) • Inherited IRA-Trust Question
If there are no non-eligible designated beneficiaries (children) named on an IRA, and if a Will declares a Trust the beneficiary of the "Residuary Estate", then I assume the IRA would be considered...
View ArticlePersonal Investments • where to Park my home down payment
Hello Everyone,Thanks for taking time to read my question.I'm planning to buy a home in two years. I've saved up some money for the down payment and I'm wondering where would be a good place to invest...
View ArticlePersonal Consumer Issues • Moving Insurance
Do Home Owners policies typically cover any costs associated with damaged or lost goods as a result of a moving contractors accident or negligence?Statistics: Posted by Dday123 — Sun Jul 07, 2024 7:00...
View ArticlePersonal Consumer Issues • Tropical Storm Damage - Repair Process?
I'm located in Houston metro area and we are about to be barreled by Tropical Storm or Hurricane Beryl.While I hope we are limited to power outages, I want to be prepared ahead of time what to do in...
View ArticlePersonal Investments • Help a Lost Sheep! Portfolio Review Needed...
Greetings,For the past several years, I've been proudly adopting the Boogleheads mentality in managing my investments. However, even the keenest eyes can miss a beat or two. I would greatly appreciate...
View ArticlePersonal Investments • CD or treasury- 3-7yr horizon
Hello,I am wondering where to park some money that will be needed in 3-7 years. Wouldn't want to get it into anything that could lose money.3 yr CD- 5.75%5 yr CD- 4.75%7 yr Treasury- Around 4.65% with...
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