Personal Finance (Not Investing) • Foreign Tax Paid and VTIAX (Total...
Like many, I detest Form 1116. However, I will say that Vanguard is finally providing everything you need in one place to fill in the form more easily than in the past.Agreed. I had the same thought....
View ArticleNon-US Investing • Before filing I-407 and trigger form 8854 (am I missing...
A bit short on time, but some quick thoughts below ...I checked all the accounts and using 50% share of everything that is owned or owed jointly I end up well under $1 million, so the Covered...
View ArticlePersonal Finance (Not Investing) • Purchasing, financing or leasing an EV......
Yes, Tesla might pass through the 7500 but they’ll also pass through (and create) a lot of costs for the lease that you might not have for a purchase.“A lot of costs” =$695 Acquisition fee$395...
View ArticlePersonal Finance (Not Investing) • Leasing land to Son
My adult son is wanting to buy his first home and we would like to help him.Wanting to buy a home is not the same thing as going through the hassle of getting a home built on a specific piece of...
View ArticlePersonal Investments • New Boglehead ready to retire-maybe
You said you don't want your fixed income to fluctuate at all.Yet, in order to do that, you have to hold less fixed income, putting more of your money at the higher equity risk.Not all risk is created...
View ArticlePersonal Finance (Not Investing) • How Much of a Paycut Would You Take To...
To be more clear on the salaries....it's a bit more complicated than I tried to explain quickly. Here's the full picture for anyone who wants to really look at it. County I work in Teaching Year19:...
View ArticlePersonal Finance (Not Investing) • What was your effective tax rate in 2023?
I don't know how useful this will be as there are so many variables. Ours is 13.5%I don't know your circumstances, but things that affect our federal effective rate include -Only 85% of SS is...
View ArticlePersonal Finance (Not Investing) • Organically giving money to nice people -...
If you have an attorney you have a close relationship/friendship with, they can give money on your behalf anonymously. You could also do this via an attorney who you only have a professional...
View ArticlePersonal Investments • Should I be using municipal bonds in my situation?
At your anticipated marginal tax rate (12 or 22%), will you have qualified dividends or long term capital gains that will also get taxed if you add income?Edit - I misread your question.If I were to...
View ArticleInvesting - Theory, News & General • 2.25% Initial Withdrawal Rate.... FIRE?
I am feeling similarly about my work situation... If I needed to I think I would be about 3% withdrawal rate if I needed to....however, I've been planning and have a 16 month cash cushion... so I...
View ArticleForum Issues and Administration • Cannot stay logged in?
Is this unique to the Bogleheads site or is there something I am doing wrong?It seems unique to a subset of Bogleheads members. As you can see in viewtopic.php?t=416028 others have seen the problem....
View ArticlePersonal Finance (Not Investing) • Accessing Fidelity from Europe
with the added protection of a VPNWhat protection is that, exactly? Hiding from your ISP the fact that you're visiting a Fidelity web site?Amongst othersNotable the OP could avoid some hassle by using...
View ArticleInvesting - Theory, News & General • Why BND is so popular here, and not...
Studies show that investors prefer ETFs with names composed of all consonants, as opposed to those with a vowel in the middle, between two consonants. This is known as the Vokal Dazwischen phenomenon....
View ArticlePersonal Investments • Which Bond Fund Should I Use?
Forget the bond fund. Buy CDs and Treasury notes/bonds and hold to maturity.Statistics: Posted by Van — Mon Apr 22, 2024 5:17 pm — Replies 19 — Views 1206
View ArticlePersonal Investments • Empower and SIU 401K
I might misinterpreting this, but I don't think they are charging you 0.48% on top of the fund expenses.The "payments to investment providers" appears to include the mutual funds' ERs. They have...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
So is our thread finished?Are we ready to add it to the Wiki.... ?I believe you were the poster that complained about adding it in the first place...Don't think that adding this to the Wiki is merited...
View ArticlePersonal Investments • Portfolio Review Request (I'm too slow to invest cash)
There is no 28% tax bracket right now. You are in a higher marginal rate than that. If you are self employed have you considered a solo 401k? You could substantially increase your retirement...
View ArticlePersonal Investments • Is it a good time to put money to 529 plan? Anyone...
Absolutely. That "end of glidepath" 529s were loaded by fund managers with medium-duration bond funds (touted as "conservative") was a scandal verging on malpractice.I think the VG 529 recommended...
View ArticlePersonal Finance (Not Investing) • Why are so many people choosing LTCI
My MIL paid Genworth 30 years of premiums. 6 months ago we had to put her in an assisted living facility.Genworth refused to pay the claim because the facility did not meet their requirements. After...
View ArticlePersonal Finance (Not Investing) • Advance Medical Directive - who gets it, how?
There is probably huge variability. I would get copies to anyone who might need to have them on file if they do not already have it.When DW was having major surgery recently the surgeon asked who...
View Article