Personal Investments • Fee only investment advisor recommending Investment...
, I’m trying to compare the outcome with the alternative which is plunking an extra 62.5k per year into taxable, paying the tax drag on any dividends, and paying capital gains when it comes out. My...
View ArticleInvesting - Theory, News & General • For Income sell once a year or monthly
If I need a certain amount of income from a 3 fund portfolio . Is it more tax effective to sell once a year for the income I need to live on for the year. Or every month ? I apologize if this has been...
View ArticlePersonal Finance (Not Investing) • Married Filing Joint HR Block, Wife’s name...
I have been using H&R Block for the last 8 years years, and this has never caused me an issue when filing taxes.Statistics: Posted by nguy44 — Mon Apr 01, 2024 2:15 pm — Replies 1 — Views 71
View ArticlePersonal Consumer Issues • sauna or hot tub, which to get and why?
Based on my experience, I'd skip both the hot tub and the sauna and instead get a steam bath.Statistics: Posted by Donethat96 — Mon Apr 01, 2024 2:15 pm — Replies 53 — Views 4913
View ArticlePersonal Consumer Issues • Where to buy new Steelcase Office Chairs
Steelcase office chairs are very good, but seem extremely expensive.My company used to have a very good deep discount during COVID when offices were closed, but now just have the much more nominal...
View ArticlePersonal Finance (Not Investing) • I have a math problem (taxes)
I was under the impression the IRS has some sort of guidebook for payroll clerks so they could calculate the proper withholding for each employee, but all of this "logic" is probably now encapsulated...
View ArticlePersonal Finance (Not Investing) • Another COBRA vs ACA question
I would go with COBRA for the short time period. It is probably a little more expensive, but it seems to be the route of least resistance. That can be valuable when you have a lot on your plate. We...
View ArticlePersonal Consumer Issues • Carfax deception probability?
Looking at a 2021 truck with 38Kmi that has Carfax available on the dealer website.Carfax shows oil changes at 9,200mi avg interval, with 10,200mi the highest. All oil changes at their dealership.8Kmi...
View ArticleInvesting - Theory, News & General • Interest Expense Deductibility for...
Hi Bogleheads,I'm hoping to get some clarification on the tax implications of leveraged ETFs. Specifically, I'm wondering if the interest expense incurred by the ETF to achieve leverage is...
View ArticlePersonal Finance (Not Investing) • Prenup Insight
Would he come here and join the discussion? I would advise him to stay single if he really dangles this "I will make $1 million per year and Imma keep 90% of it" stuff in front of you. Marriage means...
View ArticlePersonal Consumer Issues • Value of living away for college
I mean, compared to living at home living on campus is a ton more fun and probably a much easier way to make friendsAgreed. Much more difficult for commuters. Friends are pretty well established by...
View ArticlePersonal Investments • Portfolio Optimization Request - First Time Poster!
Portfolio needed to retire: To support $130k annual expenses (ALL expenses including taxes, future roof replacement, etc.), for a 30 year retirement with a 4% withdrawal rate, you will need $130K * 25...
View ArticlePersonal Finance (Not Investing) • Question on how to file dependent’s...
Because it appears she doesn't meet any of the 2023 Filing Requirements for Dependents, you/she could simply not file.Statistics: Posted by FiveK — Mon Apr 01, 2024 2:21 pm — Replies 1 — Views 39
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Personal Investments • How to manage a traditional IRA with tax bracket in...
You have several years prior to IRMAA kicking in to convert some of your t-IRA to Roth. ? Original poster state s/he is 66 years old.Statistics: Posted by retiredjg — Mon Apr 01, 2024 2:21 pm —...
View ArticlePersonal Finance (Not Investing) • Which state to file k1 income
My family set up a llc to hold my parents home and farm when they died. This year we sold the house and distributed the proceeds to the partners creating a long term capital gain. We also sold our...
View ArticlePersonal Finance (Not Investing) • How do you budget and pay for dental...
Credit card is how I paid. I don't budget.Statistics: Posted by jebmke — Tue Apr 02, 2024 2:39 pm — Replies 4 — Views 205
View ArticlePersonal Finance (Not Investing) • Amending tax return for 2021, 2022 to fix...
You can do 3 amended efiles. On OLT they are free.What is OLT -- www olt dot com -- Found a site using google. Never heard of it though.Statistics: Posted by Fundmenow — Tue Apr 02, 2024 2:39 pm —...
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Investing - Theory, News & General • Now that long TIPS yields are 60 bp...
I seem to recall that 2.25% was a trigger for someone for buying long-term TIPS. Right now I see this at Schwab:So the 2047 is at 2.25%, and at Schwab it's for min qty 1.I am making a ladder of years...
View ArticlePersonal Consumer Issues • Vanguard “We’re experiencing technical difficulties”
Seems to be working. As often occurs, a glitch like this just goes away.Statistics: Posted by jebmke — Tue Apr 02, 2024 2:41 pm — Replies 54 — Views 7774
View ArticlePersonal Investments • Whoops - Emergency Fund Way Too Big
Typical wisdom says move the excess to your main portfolio and invest per your AA.If that makes you uncomfortable then your new emergency fund is too small. Maybe 9 months or a year would be...
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