Personal Investments • 2023/2024 Roth IRA over-contribution
There is no such thing as backdoor roth only contributions and conversions which together can look like a roth contribution under the right circumstances but the important thing is that there is no...
View ArticlePersonal Finance (Not Investing) • The cost of not using credit cards with...
OP is correct. Everybody pays for the rewards programs, even if they don't have a rewards card. It would, therefore, be silly not to have one or more rewards cards.Statistics: Posted by UpperNwGuy —...
View ArticleClik here to view.
Investing - Theory, News & General • New Vanguard Security Code...
The best is email for code, like TreasuryDirect does. My bank offers email or phone, that is good, too. Only one device in the game, if you want that. And I do.I do not like to see Phones and Mobile...
View ArticlePersonal Investments • Using brokerage account dividends versus selling...
Dividends in taxable always make sense to cover spending needs as they are already cash and already going to be taxed and spending them won't cause any extra tax.Statistics: Posted by placeholder —...
View ArticleInvesting - Theory, News & General • Short- and longer-term effects of...
yikes bnd. so to get even I need to wait 7 years from when I bought bndStatistics: Posted by bog007 — Sun Apr 14, 2024 1:29 am — Replies 111 — Views 38984
View ArticlePersonal Investments • Early Pension Investing Options
Unfortunately I don’t have a lump sum option.Statistics: Posted by prairie n8 — Sun Apr 14, 2024 1:29 am — Replies 7 — Views 3537
View ArticlePersonal Investments • New Investing Opportunities Once You Climb Above...
You can buy into institutional share class mutual funds with lower expense ratios if you meet can meet the minimums per holding.Statistics: Posted by Cheez-It Guy — Sun Apr 14, 2024 1:47 am — Replies...
View ArticleClik here to view.
Investing - Theory, News & General • Flexibility in portfolio withdrawals...
Greater flexibility means more robustnessGoing beyond the rather trivial result of the first proposition, the second proposition (see original post) was:Greater flexibility means, for a given initial...
View ArticlePersonal Investments • MidLife Crisis
You may be able to retire sooner...or later. No one knows the future and too many potential outcomes. I would simply focus on getting back to full time work and saving /investing to achieve financial...
View ArticlePersonal Consumer Issues • Setting up Bitlocker on existing drive
I used TrueCrypt, a software encryption, for full drive encryption (FDE) on several laptops for many years and I never experienced a noticeable effect on performance. TrueCrypt was discontinued but...
View ArticleNon-US Investing • Getting Started - VWCE vs EQQQ or SPPW New Boglehead here.
1) VWCE already holds 65% US shares, which themselves are already heavily weighted towards the tech sector. By holding 30% Nasdaq, you accentuate these bias towards the US tech sector. If that is what...
View ArticleInvesting - Theory, News & General • Who has been retired on the 4% rule...
Using the 4% rule, retired for 12 years at 30/70 and retirement fund is higher than when we started.Do you mean real or nominal? How does it look in real?Measured against their own personal inflation...
View ArticlePersonal Consumer Issues • Car Thread: Evaluating Gas versus Plug In Hybrid...
Does the plug-in model retain its excess value at time of resale, so that I could sell it for, say, at least $4K more than I would have been able to sell the regular gas version?On the contrary,...
View ArticlePersonal Finance (Not Investing) • Do I need to amend? (1099-MISC...
Dear Bogleheads, I apologize in advance for the length of this post; I want to make sure that no pertinent information is omitted. This past fall I enrolled as a part-time student in an online Master...
View ArticlePersonal Finance (Not Investing) • Short term disability overpayment
How do I add the overpayment in turbotax since there was no form generated.Statistics: Posted by kamal444 — Mon Apr 15, 2024 1:17 am — Replies 2 — Views 216
View ArticlePersonal Investments • Backdoor Roth IRA Conversion - Done Late
The rollover amount is 230k.The contributions yet are for 2023, 2024. These have also been converted to Roth (as mentioned in the above timeline).The conversion will be prorated and be around 94%...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
Unexpectedly got free access to two airport lounges on my flight home from the Middle East even though my American Airlines Platinum status had expired and am just non-status member. I didn't fly...
View ArticlePersonal Consumer Issues • How do you like your Tesla?
I test drove a Model Y a couple days ago out of curiosity. I don't see myself buying one. Really hated regenerative breaking. Perhaps it's just a matter of getting used to it, but I found it extremely...
View ArticlePersonal Finance (Not Investing) • Fidelity CMA vs Traditional banking
I hardly use traditional banks. I use Fidelity CMA for push payments, Vanguard Cash Plus for pull payments, and Schwab checking for no-fee, international & domestic ATM access. Vanguard Cash Plus...
View ArticlePersonal Finance (Not Investing) • Is your Bank/CU offering FedNow instant...
This is a caedd problem, not a Fidelity problem. CAFTB mctr cards also could not be deposited at Fidelity because they used themoneynetwork . But I've never had one of my credit unions or banks fail...
View Article