Personal Investments • Re: Which 3 and why, 46, if you started exactly today
100% 2045 Target Date Fund.Question about this, would you choose this even if it wasn't inside of a retirement account (Roth/Traditional/401k)?No, in a taxable account you should not use a Target Date...
View ArticlePersonal Finance (Not Investing) • Re: Retiring into a recession
And those who say plan your retirement as if stocks will drop 50% after you retire… y’all worked 15 years too long (assuming you’re spending and enjoying life along the way).And when they don’t drop...
View ArticlePersonal Finance (Not Investing) • Re: Fire at 42 - this time in Spain
Here is a summary of the integration of the two countries' tax policy as shared by the tax treaty, some details worth looking into:https://www.cpasforexpats.com/post/us-s ... eaty-guideStatistics:...
View ArticlePersonal Finance (Not Investing) • Re: Terminated Federal Employee- Anything...
You’ve done an outstanding job preparing for the future and you should be proud of that. Forget all the federal drama about why you were put on leave and see it as an opportunity to upgrade to a...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
One oddity about my personal experience with Gainbridge - As I’ve posted upthread, I have MYGAs from a number of companies, most of which are “qualified” (that is, IRA). Gainbridge is the only company...
View ArticlePersonal Finance (Not Investing) • Depositing a check that failed a mobile...
I have a paper check that I attempted to deposit via my phone with IBKR. The app failed with a "Check Rejected. Could not recognize your check". I routinely deposit checks without issues, the problem...
View ArticleInvesting - Theory, News & General • Re: Book to learn the how to of puts...
A good book to start with is The Options Playbook by Brian Overby.In terms of actually using them in your portfolio, I would advise against it. Hedging has costs associated with it that are not worth...
View ArticlePersonal Finance (Not Investing) • Re: Linking Vanguard account(s) to Wise
I am needing to do a Vangurad to Wise transfer, spoke with my Vanguard rep and stated it is no problem. We are doing a big transfer and it was suggested to do small one first to test it outStatistics:...
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Personal Finance (Not Investing) • Step-by-step guidance on filing 1099 NEC...
Hello Bogleheads,I have looked through other threads but request step-by-step guidance as this our first time filing with a Single Member LLC (SMLLC). Here are the relevant facts:- MFJ couple. I had...
View ArticlePersonal Finance (Not Investing) • Re: Invest or payoff mortgage? (Or both?)
Currently at 38.8% marginal tax rate (hopefully moving to 40.8% soon)… so paying down the mortgage is a 10% tax equivalent return… the stock investments made over the next 10 years, if growing for...
View ArticlePersonal Finance (Not Investing) • Re: Step-by-step guidance on filing 1099...
If you started a solo 401k how did you determine the amount without first calculating business income? Not a tax advisor and this isn't advice, but understand sole proprietor would file schedule C and...
View ArticleNon-US Investing • 1042-S For 2024 Not Received from Vanguard
According to the Vanguard website, 1042-S Forms for 2024 were supposed to be made available on March 7 :https://investor.vanguard.com/investor- ... -tax-formsHowever, I have not received these for any...
View ArticleInvesting - Theory, News & General • Re: Are Gold Miners funds still...
Personally I would rather hold physical gold, silver and platinum.Statistics: Posted by enad — Mon Mar 10, 2025 2:33 am
View ArticlePersonal Finance (Not Investing) • Re: Interest Rates Do Matter
It is sad that the friendly personal banker/advisor, with the free coffee and cheerful greeting name tag, did not say anything about it.The banker is expected to tell you to bring your business...
View ArticlePersonal Consumer Issues • Re: CA resident purchasing car in NY
You can register the car under your name, but that carries a variety of potential downsides related to insurance and liability. If your son is going to college in NY, presumably they are a resident of...
View ArticlePersonal Consumer Issues • Re: Dropbox vs OneDrive
I have OneDrive for work and use Proton Drive for personal use. I had Dropbox before but did not like the iOS UI and that is required the hardware password for installation on macOS (I have stopped...
View ArticleInvesting - Theory, News & General • Re: Small Cap Value: Diversification...
However, assuming that you do have a cheap fund with strong factor loadings and factors do end up continuing to provide positive returns, then I suppose that having a below 100% loading on Mkt-RF...
View ArticlePersonal Consumer Issues • Re: What are generic brands/items worth buying?
I wonder how many of the generic brand fans would buy generic soda instead of PepsiCo or Coca-a-Cola Company brands.We used to get that too when I was a kid long ago but it seems much less of a thing...
View ArticlePersonal Finance (Not Investing) • Re: Fire at 42 - this time in Spain
One thing to keep in mind as you try to determine what is needed, for both any visa and for rental contracts.Each Spanish consulate in the US determines its own requirements, you can verify that by 1)...
View ArticleNon-US Investing • Re: 1042-S For 2024 Not Received from Vanguard
I recieved my Vanguard 2024 1042s on 3.7. 2025.Thank you for your response. May I ask if your account was a brokerage account or a mutual-fund only one ?As of Monday, March 10, the form has still not...
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