Personal Consumer Issues • Removing grass and mulching around trees?
We are trying to reduce the amount of grass we have and there's a section in our yard near a small tree we'd like to mulch. Neither the tree nor the grass are doing well because they are competing for...
View ArticlePersonal Finance (Not Investing) • Paper I Bonds with Co-Owner, in case of death
I have paper I Bonds in my name, with at the bottom "OR" and my wife's name.1 If I die, would she need to re-title the bonds in her name, or could she, at least in theory, convert them to digital form...
View ArticlePersonal Finance (Not Investing) • Do I need to pay NYS estimated Taxes each...
Do I need to pay NYS estimated Taxes each quarter of 2024, even if I quit my NYC job in April 2024, and live in FL in all 2024?Will I need to pay NY State income taxes on a Roth Conversion in 2024...
View ArticlePersonal Investments • Can I buy a QLAC and have my joint owner be my 30 year...
I'm 69, recently widowed. Can I buy a QLAC where my joint owner is my 30 year old son? I know my payments from it would be less by doing so with someone so young as my joint owner, but I don't even...
View ArticlePersonal Finance (Not Investing) • Does it make sense for renters to be...
I am currently renting a single-family home from a landlord. At this stage in my life, I'm content with renting except for one issue. According to the contract, I'm responsible for lawn care. If I'm...
View ArticlePersonal Investments • Vanguard settlement fund transactions
I must admit I don't understand these line items in a settlement fund (Brokerage taxable). Have a couple of questions:What is this transaction on 8th of every month? I don't initiate it. Who is...
View ArticlePersonal Investments • How does rebalancing actually work?
It seems to my amateur mind that if I “rebalance,” what essentially happens is my entire portfolio is liquidated then immediately “rebalanced” to my new AA. This seems like a net negative because I’m...
View ArticlePersonal Investments • Private Mortgage vs. Municipal Bonds
I have an opportunity to provide a private 30-year mortgage to my son at the current rate of about 7%. I would be using money that is currently in a portfolio of individual municipal bonds averaging...
View ArticlePersonal Finance (Not Investing) • Buying Treasuries on Fidelity
Can someone direct me on how to narrow down my search on Fidelity to find US treasuries with a minimum of $1000? I've looked at the depth of books and the smallest that I can find is (5) or...
View ArticlePersonal Investments • Roth 401(k) Mega Backdoor and Pro Rata Rule
For purposes of the pro rata rule, are 401k's a separate category from IRAs? In other words, if you convert a traditional 401k to a Roth 401k, does the pro rata rule impact your traditional IRA? I...
View ArticlePersonal Finance (Not Investing) • Day Trip Travel Deduction?
Wondering about the below scenario:Work from home for various clients, all issuing freelancer a 1099.For one of the clients, once a month, freelancer must travel to jobsite via train directly from...
View ArticlePersonal Finance (Not Investing) • Check my Roth Conversion "Answer"
I purchased MaxiFi Planner to run Roth Conversion estimates. Here is my somewhat surprising conclusion. Are my assumptions wrong? Does this conclusion sound right?Assumptions:No Heirs/Dependents, so...
View ArticlePersonal Finance (Not Investing) • Life with Term Certain Annuity -...
Regarding a life annuity with a 10-year term certain payout option:1) can I name multiple beneficiaries to receive the balance of the 10-year payout if I die, or only a single beneficiary?2) will the...
View ArticlePersonal Investments • Short Term Investment
I have some money sitting in my Fidelity account that I plan to use to buy stocks soon. Not sure when it will be used, could be a couple of days, 1 week, 2 weeks form now, or even longer, depending on...
View ArticlePersonal Finance (Not Investing) • Estimated taxes following year after...
We sold our house in 2023 for a substantial gain. We paid estimated taxes on the capital gains in the same year and the IRS owed us a refund. Do we need to pay estimated taxes for 2024 based on the...
View ArticlePersonal Finance (Not Investing) • Family Vacation ideas
Hello, Fellow Bogleheads:Trying to get some ideas for a family vacation for my family. My wife and I have two kids 8 and 10 yo. We are in the Twin Cities and are looking for places to take a road...
View ArticlePersonal Finance (Not Investing) • Low Expenses, How?
While I've never been extremely thrifty with money, I've also never been a big spender but I look at some posters expenses and I'm wondering how they can be so low. My main fixed expenses for a...
View ArticlePersonal Finance (Not Investing) • 529 account ownership
We are CA residents and planning to open 529 at Schwab for simplicity of managing accounts in one place. I am trying to determine what should be the account ownership choice from the below -...
View ArticleInvesting - Theory, News & General • Anyone here read the book "The...
I'm on Chapter 12 for the book "The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime (author: MJ DeMarco)".Anyone else here read that book? Curious to hear your thoughts on...
View ArticlePersonal Consumer Issues • What kind of lawyer do I need?
Please do not offer any legal advice, only explain what I am looking for.We have an industrial neighbor that we believe we are suffering loss of free enjoyment of our property. We would like to speak...
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