Personal Investments • Roth 401K vs Traditional 401K
Do you qualify for the saver's credit and/or earned income tax credit if you contribute to the Trad 401K?https://www.bogleheads.org/wiki/Saver%27s_creditKlangFoolSo true.If you can reach the tax...
View ArticleInvesting - Theory, News & General • 2024 Bogleheads Conference:...
Does anyone know whether they still need any volunteers for the conference? Or who I can contact? I am willing to help.Still very interested in volunteers. Please get in touch with Bogle Center board...
View ArticlePersonal Finance (Not Investing) • SEP IRA contribution limits, negative...
Thanks for your replies. I agree the best move would be to hire a CPA, but my dad is too stubborn and cheap to pay for one. At least my parents are comfortable enough in retirement that even if some...
View ArticleInvesting - Theory, News & General • Why pay DAF management fees when you...
We're in the fortunate position of having done well between work, strong savings and a strong stock market to the point our retirement is essentially overfunded. DW and I are looking to start...
View ArticlePersonal Investments • Charles Schwab question
Around 1995 I walked into a Schwab office to open my first brokerage account.They had a newspaper-like pamphlet which:1) Listed all the available mutual funds, promptly displaying expense ratios and...
View ArticlePersonal Finance (Not Investing) • death of 529 plan beneficiary (not the...
There was a thread recently about overfunded 529s and whether transferring the money to a new beneficiary counted as a gift. We found the laws and there are two different types of taxes to consider:...
View ArticleInvesting - Theory, News & General • Question on mechanics of bond funds
What I don't understand are bond funds. I have heard people say that a bond fund is like a bond ladder of the same maturity but I don't see how. For a comparison with a fund that generally holds to...
View ArticlePersonal Investments • Retiring in 6 months (off TSLA options); Plan Review;...
So at this point, is it 1.1 million dollars in cash and the rest in NVDL? And how much is "the rest" at this point? 7 million? Just trying to understand where things stand as of now.OP posted his...
View ArticlePersonal Finance (Not Investing) • Refinance Mega Thread
I have always been uneasy about lenders I have never heard of. How can you make sure the loan contract doesn't have misleading fine print? Is there a way to vet these lenders.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Seeking examples of "horror...
Couldn’t find the will - eventually got a copy by emailing random lawyers that a friend thought the deceased might have used. Resulted in several months delay and could have resulted in a court...
View ArticlePersonal Consumer Issues • Best Washing Machine
Speed QueenStatistics: Posted by atwnsw — Thu Aug 29, 2024 7:55 pm — Replies 38 — Views 6771
View ArticlePersonal Consumer Issues • Wills gone missing
Here in Maryland the county courts have a will depository where, if you want to keep it there, the will stays sealed until your death. Apparently it isn't common elsewhere.Statistics: Posted by...
View ArticlePersonal Consumer Issues • New HVAC- Brand installed different from brand quoted
What brand(s) was/were listed on the order paperwork, along with the pricing?RMStatistics: Posted by ResearchMed — Thu Aug 29, 2024 7:58 pm — Replies 6 — Views 327
View ArticlePersonal Investments • Roth conversion and tax bracket because of capital gains
RosemaryRetiree - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them...
View ArticlePersonal Consumer Issues • FamilySearch vs Ancestry.com
Check your local library to see if they have an Ancestry library account. Mine does so that I can use Ancestry for free but only when I am physically at the library.I used a much older version of the...
View ArticlePersonal Finance (Not Investing) • Roth Conversion dilemma
A painless step is to hold your bonds in tax deferred to try to limit its growth. You can model that in Pralana by using Asset Allocation Mode 2, set at the top of the Financial Assets-Management tab....
View ArticlePersonal Finance (Not Investing) • Double-entry accounting newbie questions
For your scholarship you may want to setup a net asset account that's separate from your organization's general operating funds net assets. To go along with the scholarship net asset account would...
View ArticleInvesting - Theory, News & General • What are you up YTD? [Year To Date]
Age 78, retired,no pension or annuity, my asset allocation is 60/40.As of August 1, total return of my portfolio is up 10.05% year to date. That is about 3 times my expected withdrawal for the entire...
View ArticlePersonal Finance (Not Investing) • My CPA told me he has money in AUM: red flag?
While some accountants do it, and apparently it's allowed for accountants, I think it's a conflict.Not going to say it is forbidden, but best practice would not have your FA doing your taxes or vice...
View ArticlePersonal Finance (Not Investing) • Medigap Plans and major expense
I forget how it is worded, but my primary has signs posted which say something to the effect of letting the desk know when you schedule your annual Medicare Wellness Visit if you have other issues to...
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