Personal Finance (Not Investing) • ACA plans and out of state emergencies
We have a similar concern as the OP. I am covered by Medicare and a supplement but my wife is a few years younger and is covered by a bronze level ACA plan from Anthem Blue Cross and Blue Shield....
View ArticlePersonal Finance (Not Investing) • Formula to Divvy Up Taxes Post-Divorce?
Thanks to all. The discussion and ideas are very much appreciated.Statistics: Posted by Miki M — Thu Apr 11, 2024 5:01 pm — Replies 18 — Views 1461
View ArticlePersonal Consumer Issues • Seriously consider an EV
I’d go hybrid or plugin hybrid. The infrastructure isn’t there yet if you need to charge outside the home. By me the Tesla charging station is completely full at lunch time. I’m not sure if you...
View ArticlePersonal Finance (Not Investing) • How to fund and invest SEP-IRA with...
Every year I have to go through an annoying two-step process to invest in my SEP IRA. First I have to add funds ( contribute ), by transferring cash from my linked bank account. Then I have to wait a...
View ArticlePersonal Investments • Tech professional on sabbatical, highly skewed...
2. Reduce single stock risks - the plan was if my spouse also stops working by end of this year, we can use next year to offload stocks when we are not at top income tax rates. Still not sure how much...
View ArticlePersonal Consumer Issues • Water Heaters (Gas) - Stainless Steel Tank?
What kind of water heaters have you been buying? I knew someone that went through like 3 Rheem water heaters from Home Depot in a short time span. We have really "hard" water where I live, but I got...
View ArticleInvesting - Theory, News & General • Treasury Direct response to Fraud?
How would someone go about stealing my money by logging in to my account? If they redeem my holdings don't the proceeds just go to my bank account? Doesn't treasury require submitting paper documents...
View ArticlePersonal Finance (Not Investing) • Should we include our home equity in the...
Yes, if you include imputed rent as an expense.Statistics: Posted by halfnine — Thu Apr 11, 2024 5:09 pm — Replies 3 — Views 82
View ArticlePersonal Finance (Not Investing) • "At Vanguard, my voice is my...
It was never a good practice.+1Statistics: Posted by AnEngineer — Thu Apr 11, 2024 5:11 pm — Replies 14 — Views 1117
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Personal Finance (Not Investing) • Retiring abroad
Hi godot, how do you manage medical care, eg regular prescriptions? Via the US or Thai doc, or combo of both somehow?I have an international policy with Blue Cross, $1,200 deductible. Have yet to hit...
View ArticlePersonal Investments • Behind and need help.
During my working years, I maxed-out (IRS annual limit, not just the match %) my pre-tax 401k each year, avoiding 22% (and 25%) federal tax.During my working years, I also maxed-out my Roth IRA each...
View ArticleInvesting - Theory, News & General • S&P 500 20% MidCap
Good evening dear Bogleheads,The S&P 500 represents the 500 largest companies traded on US stock exchanges. The S&P description mentions "leading". The S&P 500® is widely regarded as the...
View ArticlePersonal Investments • 457B advice
You really need to understand your pension's COLA provisions. People tend to vastly overestimate the benefit of pension COLAs. You didn't say which pension, sounds like it's NYSLRS, so the following...
View ArticleInvesting - Theory, News & General • Hey Vanguard Bashers! Fidelity Hates...
https://finance.yahoo.com/news/fidelity ... 00039.htmlFresh details have emerged regarding Fidelity Investments' plan to add fees to its exchange-traded funds platform, which has sparked concerns...
View ArticleInvesting - Theory, News & General • Why not 100% PSLDX? [PIMCO...
So an earlier post says this fund has -100% CASHX position. I interpret that to mean it shorts short term treasuries, which are doing well considering an inverted yield curve. Since long term...
View ArticlePersonal Investments • where do you suggest to keep a not so emergency fund...
You can buy 1 year TIPS on the secondary market. T bills are also a good place. I bonds if held for at least a year. You have a lot of great options these days.Statistics: Posted by rockstar — Fri Apr...
View ArticleInvesting - Theory, News & General • Convincing others to leave an advisor
The thing is, not only is the advisor charging 0.75%, they most likely have the funds invested in a high number of high expense ratio funds and are moving money around a lot, thus generating a lot of...
View ArticlePersonal Finance (Not Investing) • Tax Software Recommendations for Do it...
If you decide to file an extension, a clever suggestion from a poster in a different thread:Use Direct Pay or EFTPS and make a payment of either what you think you owe, or, if expecting a refund $1....
View ArticlePersonal Investments • Can I do this?
One big risk which had not been mentioned is that the tax laws can change and your plans could backfire and cost you more taxes. If something happens like you get divorced or sued then having...
View ArticleInvesting - Theory, News & General • Transferring traditional IRA from...
Question about transferring a traditional IRA from one mutual fund company to another.I know that I can initiate a trustee to trustee transfer where the mutual fund company in which I have the IRA can...
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