Investing - Theory, News & General • Wealthfront Savings and the Yotta...
...But unless you are given an account and routing numbers that you can use at other places that initiate ACH transactions, the money is not yours by definition. In theory, by contract, it's your...
View ArticlePersonal Investments • Take a 8k paycut to stay within Roth limits?
I should have clarified in the beginning this paycut would be just a one year issue. I still understand it makes more sense to invest the other money I would earn but this paycut wouldn't be a...
View ArticleInvesting - Theory, News & General • A Framework for Risk Management
I'll suggest that taking on debt was probably personally advantageous ahead of inflation. Current market rates are higher than what we owe, and local home prices are also currently higher across the...
View ArticlePersonal Investments • Portfolio Review
OP,1) What is your Asset Allocation? As of right now, not sure. It is over 90% equities as of right now though. Looking at simplifying all our accounts to make these easier to account for by getting...
View ArticleInvesting - Theory, News & General • Do dividends count as withdrawal in...
So, drawing down my IRA fund (which is only a bond index fund of approx. $150,000) will basically leave me with nothing very quickly.No. How much is left in the IRA depends on how much you withdraw...
View ArticlePersonal Finance (Not Investing) • USPS and delayed tax forms
USPS tracking may have failed to scan it on delivery. Or it could be stuck somewhere in a system. The safe thing to do is overnight something with certified mail. It depends on what the FTB could do...
View ArticlePersonal Finance (Not Investing) • Job interview protocol
I doubt this is an age situation. The job is selling an expensive product to senior level execs in a close knit field. Having decades of industry contacts is a huge plus.Statistics: Posted by Chardo —...
View ArticlePersonal Investments • Vanguard Personal Advisor Questions
Ok, so everything is in MM at the moment, so I feel that nothing you do will be taxable transaction-wise. There is no capital gain selling MM that has their shares locked at $1.00. However, what would...
View ArticlePersonal Investments • Taxable equity investment choices and trust
There used to be a lot of advantages to holding funds but modern ETFs have removed a bunch of them. The biggest advantage of ETFs is you can switch in kind from Fidelity to Vanguard as brokers without...
View ArticlePersonal Finance (Not Investing) • What are my options for [selling] my rental
Capital gains taxes are generally at a lower rate than income. Yes, new donations to a charity or a DAF will lower your taxable income, but you have to exceed your standard deduction before it even...
View ArticlePersonal Finance (Not Investing) • Window sill replacement considered capital...
It’s interesting that a roof replacement is a capital cost but a roof repair is not. The main concept is increasing the life of the building beyond what it was before. A repair brings it to where it...
View ArticlePersonal Investments • Taking Dividends from 401k at 56yrs old
For me there is a bit of cnfusion.Is the stock in an Employee Stock Ownership Plan (ESOP) or a 401k retirement plan. Restriction on these are different as is tax treatment.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Money Management Software
You may want to take a look at this thread: viewtopic.php?t=415838There was a lot of discussion about the available options there.My sense is that it came down to Monarch, Tiller, Quicken and Quicken...
View ArticlePersonal Finance (Not Investing) • As a practical matter ... what is probate?
Probate is a court process by which the decedent's assets are distributed.Is probate bad? Not necessarily. Probate can provide a useful framework and list of tasks for the person in charge. This is...
View ArticleInvesting - Theory, News & General • ESG investors: how to start,...
Isn't any ESG fund by definition "active?" Someone has to grade the company on ESG metrics which are arbitrarily selected.Yes it’s very active by definition.I wouldn't consider it active at all. In my...
View ArticlePersonal Finance (Not Investing) • Need Advice on Purchasing Rental Property
My current net worth is around $224k. My goal is to put down no more than $100k on a duplex and invest the rest in the market within the next 18 months.I'm 33, I will live in one unit & rent the...
View ArticlePersonal Consumer Issues • At what point do you replace your HVAC system?
You’re more likely to get hit by a car than eaten by a shark.Ok, probably not.But probability of your scenario is pretty low.Likelier HVAC will die one day and you’ll get a new one in a day or 2. Your...
View ArticlePersonal Finance (Not Investing) • Email Provider
Previous thread: viewtopic.php?t=213849Statistics: Posted by chinchin — Tue Jun 25, 2024 7:40 am — Replies 5 — Views 212
View ArticlePersonal Investments • VUSXX vs T-Bills Thru Vanguard
In Vanguard I would just use money market. I wouldn't buy T-bills in Vanguard since you cannot auto-roll and every month you got to perform re-purchase.Statistics: Posted by Blue456 — Tue Jun 25, 2024...
View ArticleUS Chapters • Has anyone heard from Mr. Larimore?
Taylor, 100 years, what an amazing accomplishment. I also want to thank you for your work on this forum and the broad concept of being a Boglehead. I left college with only a few dollars to my name...
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