Personal Investments • Best vanguard high savings accounts?
If she just keeps the money in her settlement fund there is no minimum. I have my mom in VUSXX. Checking accounts is a personal decision. I keep two to three months of spend in mine. I read lots of...
View ArticlePersonal Consumer Issues • Amazon Rate increases - alternatives
Do you know someone whom you can share Amz Prime subscription with? We do this with our adult son, via Amazon household. We retain our indiv separate accounts, ie we cannot see his purchases, etc, and...
View ArticlePersonal Investments • short vs long term gains, do they matter
Hence the rule: try not to have capital losses in years in which you have long-term capital gains.Statistics: Posted by Thesaints — Fri Dec 29, 2023 12:43 am — Replies 3 — Views 353
View ArticleInvesting - Theory, News & General • Bonus dividends from Fidelity Total...
Same happened to QQQ, which declared a supplemental distribution. There must have been some domestic companies paying extra dividends at the last minute.Statistics: Posted by Thesaints — Fri Dec 29,...
View ArticlePersonal Finance (Not Investing) • Distributing Dead Parents Personal Property
Chatting this dilemma on our way to dinner... someone suggested that after you send out the list, credit each heir with some amount of pretend money, and hold a zoom auction! You show any contested...
View ArticlePersonal Investments • New Investor Questions
Thanks for the replies.Thank you for the quick reply, I reviewed the linked Fidelity document and came up with the following investment strategy. Please let me know your thoughts.Here is my plan with...
View ArticlePersonal Finance (Not Investing) • Selling homestead property and tax return
Who would send out the 1099-S?I am not sure and therefore inquire. I have never sold a house before. This one is homestead with no capital gains after sale.There should be a form that the escrow agent...
View ArticlePersonal Investments • Has anyone considered using LifeStrategy funds to...
This is the strategy:https://www.kitces.com/blog/managing-po ... -red-zone/It can be implemented with LifeStrategy funds, although you won't get any TIPS in the allocation, and it would be...
View ArticlePersonal Investments • Rollover IRA to 401k plan to reduce # of accounts? Any...
If you assume no basis in the assets, then the consequence is that you'd pay income tax on that amount twice. Upon withdrawal. If you're okay with that, then see if the receiving 401k will accept the...
View ArticlePersonal Finance (Not Investing) • Delaying Social Security is getting less...
Fascinating that after FRA it is less advantageous each progressive year. I gotta remember this for myself and family members. Feel like our plan should be lower earning spouse claim at 62 and higher...
View ArticlePersonal Investments • The Myth of "Owning the Market"
What is your definition of equivalence. Does it account for this?https://www.portfoliovisualizer.com/bac ... vamCMAY8HtThe S&P500 and market portfolio may be equivalent over long horizons (we...
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Personal Investments • TIPS in IRA two ways
It doesn't make sense to use a target-date fund when you have a large taxable account. The advantage of the target-date fund is that it keeps the right allocation for you, but it doesn't do that if...
View ArticlePersonal Investments • Distribution from T-IRA to Contribute to Roth IRA and HSA
I don't agree that they need a taxable emergency fund because they could just keep a money market fund of 14k or whatever in the tira for emergencies.Statistics: Posted by placeholder — Fri Dec 29,...
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Investing - Theory, News & General • Cathie Wood - What's the story?
What's your risk level?Here's an example of what you "COULD" lose if you invest in ARKK vs Total US Stock market at any point in time (from peak to trough in ARKK). Obviously, peak occurred later in...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
Didn't work for me. I entered an order at 2:20AM EST Fri Dec 29 and the confirmation lists the purchase date as 1-2-2024I think the actual deadline to place the order was sometime on Thursday.You can...
View ArticleInvesting - Theory, News & General • Essentially target date funds become...
...Hardly journalistic fodder. This is empirical research that shows diversified 100% equities is safer than TDF. Now those are not the only 2 options in the world, but it is clear 100% equities has a...
View ArticlePersonal Investments • PFM Question [Personal Financial Management]
Depends on the interest rate. If your savings account offers a competitive rate, you can keep doing what you are doing. I doubt it beats Vanguards settlement fund. If not, you can always transfer...
View ArticlePersonal Finance (Not Investing) • Failure to take RMD question
You’ll owe the taxes AND the penalty if you don’t take the RMD. My understanding is that the irs is forgiving of the penalty but you MUST take the RMD and beg for forgiveness. They may not be as...
View ArticlePersonal Finance (Not Investing) • File Jointly or Separately while wife goes...
I have no experience but WCI recommends a service to get advice on student loans.https://www.whitecoatinvestor.com/student-loan-advice/ Student Loan Advice is a financial coaching service that, for a...
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Personal Investments • Frustrated with PersonalCapital - any suggestions?
I was in a similar situation when it was announced Mint was going to be EOLed. Rather than signing up for another aggregator site and give them username/password to store and/or muck around with plaid...
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