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This is the first time I'm trying to use EFTPS to pay estimated tax. I don't see a 1040-ES form in EFTPS. Do I just select 1040? If someone can help list the steps, I'd appreciate it. Thank you.

Another way to look at variable withdrawal rates based on market performance & longevity. https://www.kitces.com/blog/guyton-klinger-guardrails-retirement-income-rules-risk-based/ In the article, the guyton-klinger guardrail method is viewed as flawed because... Instead, the use of risk-based...

I followed a link from the Oblivious Investor blog (https://obliviousinvestor.com/) to this post: 9 Lessons I’ve Learned About Death and Money The author writes about this experience on financial, care & emotional issue on the passing of his father. I learned a lot from it & realized how...

I've tried since Sat 3/9. No luck at www.i-orp.com or www.i-orp.net tracert says "unable to resolve target system name", so it looks like a DNS issue. Same result if I change the DNS server that I use. Anyone else having this issue?

...and How Advisors Can Factor In Current Evaluations Risks Interesting article and worth reading. Some of the more technical discussions went right over my head, but I understand the basic argument - that you cannot expect to get the long term average return when extrapolating from a very...

Like many, I bought I-bonds when inflation spiked up & the total interest rates on the bonds were mouth-watering. To take the example of the i-bond I bought in December 2021 which has a fixed interest rate of 0% and currently has an inflation rate of 1.97% I know I'll lose the last 3 months...

The 1st of May marked 15 years since we first quit our jobs & began this ER journey in earnest. We are happy and healthy with much to keep us engaged. Our portfolio is a little higher (in real terms) than when we started back in 2008. While our SWR is based on Bob Clyatt's 4%/95% method...

We had a major leak in our house recently that caused major damage. It happened in the middle of the night so it went unchecked for hours. In talking to our friends, it seems that we were lucky so far - almost every one has had a major leak in their homes at some time. I started looking at the...

Anyone know how this would work? Do you take the IRA credits first against the tax you owe and then add on the ACA premium rebate on top of it? Or Do you take the ACA premium rebate against taxes owed, and then if there is any tax left, you can take the IRA credits against it. I can't find a...

I'd like to hear from people who own cold-climate heat pumps. What's your experience especially during this year's cold spells (lower than -5F). What vendor / model do you have? Do you feel it was a good investment? etc. The federal IRA rebates (to come soon) + the state & utility...

I almost forgot to add the interest that the IRS paid me for delaying my tax refund. This was the first time that my refund was delayed long enough to earn interest. You should have received a 1099 INT from the IRS.

** Please confirm my understanding **** DW & I are covered by an HSA compliant plan In 2022, the maximum contribution for an individual was $3650 and for family was 2X that amount $7300. In 2023, the individual limit is $3850, and the family amount is $7750, which is $50 more than 2x the...

I have a significant portion of my portfolio in international stock - almost all in Vanguards Total International Stock Index fund. My domestic stock allocation is mainly in Vanguard Total Stock Market Index. I'm considering reducing my VTIAX exposure significantly and would like to hear your...

I can't remember seeing this discussed here... The Federal Reserve is launching an Instant Payment System to be called FedNow between May & July of 2023. https://www.frbservices.org/financial-services/fednow Here are remarks by Fed Vice-Chair Lail Brainard...

My phone died a month (died, dead never to power up again) or so ago and it has been an ordeal to re-establish the accounts on Google Authenticator since you can't back up the accounts there and the information isn't stored in the cloud for you to sync to a new phone nor is there a way to back...

KevinK posted a link to Tips Watch in the thread "We are entering a Golden Period for Fixed-income Investment" I'd like to explore investing in TIPs but don't know enough to jump in. Does anyone have a book on TIPs to recommend? Or a website in addition to the Tips Watch? Thanks

I found this post at Can I Retire Yet to be very succinct about bond basics. It covers duration, how bonds react to interest rates etc. https://www.caniretireyet.com/bond-duration/

Its been 4 weeks since my e-filed return was accepted by the IRS. No refund yet & "Where's my refund" says Has any one else's refund been delayed?

Those of us who frequent the boggleheads forum have no doubt heard of Taylor Larimore - one of the founders of that group. I had no idea that he is 98 years old!! Here's an article on him https://www.aarp.org/money/investing/info-2022/3-fund-wisdom-of-taylor-larimore.html

For those who own Vanguard international mutual funds... In past years, Vanguard listed the "Foreign Income" for each fund in the "Foreign Tax Paid" page, but ... For 2021, they've just listed the percentage of the dividend that was foreign income on the "Mutual Fund and UIT Supplemental...

Am I missing any advantages/disadvantages in my thinking below? Thanks in advance. It is time to rebalance - my equity allocation has crossed my tolerance band. Our ROTH accounts are 100% equity, our T-IRA accounts are 100% bond and the Taxable is a mix with sufficient equities to rebalance...

Is there a way to get light characters on a dark background? A "dark" skin that would be easier to read in dim light? Is it possible to create one's own skin for this site? Thank you.

We do all our banking via an online bank and have done so since the early days of internet banking. We also have an account at a local bank that I don't use and see no use for any more. The only time we needed it was for a "bank check" to pay for our house. That was 8 years ago. - We don't...

William Bengen is out with a new article that analyzes the relationship between SAFEMAX (what we usually call SWR here), Schiller's CAPE ratio and inflation at the start of a 30 year retirement. He assumes a portfolio comprised of 50% equity (S&P500 + Small cap) and 50% mid-term government...

I have been kicking myself for not having rebalanced all the way back to my target AA (60/40) when my 5% rebalance band was reached. ie. my portfolio hit 55/45. I created a simple spreadsheet using only VG's intermediate treasury fund (VFITX) and VG's total market (VTSAX) from 1/1/2020 to...