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Personal Finance (Not Investing) • IRS Safe Harbor calculations
Thanks!My AGI was over 150K, so looks like I am needing 110% in that case.Timing of your withholding is not an issue as it would be if you were paying estimates.With my calculation it does appear I...
View ArticleInvesting - Theory, News & General • Did Schwab Fraud Protection...
If the video has complete info, it appears that the account holder supplied a login 2FA code but not a password to the attackers. If the password was changed by the attackers exploiting a weak...
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Personal Finance (Not Investing) • Is this how little I need to retire?
That would average expenses over these years at 45k, which seems like a low amount.Your numbers will be skewed low some because of inflation, for example 1,000 ten years ago in 2014 is worth about...
View ArticlePersonal Consumer Issues • Who's up for pickleball? Zero-zero-two. Game On!
You might want to try Rick Ferri. He's a 4.5 player.Statistics: Posted by CFOKevin — Thu Aug 29, 2024 11:05 pm — Replies 459 — Views 157402
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Investing - Theory, News & General • How to build VTI from limited...
Thank you each and everyone to help navigate the options. Based on the feedback and research on the WiKi here is the summaryPlease advice if I missed anything straying from our goal to mimic...
View ArticlePersonal Investments • Opinions on this advice about managed funds?
Thanks all, again. You've confirmed my hunches and given some good tips. The index fund strategy was something I'd read a lot about here, and in JB Quinn's book, though she didn't call it by that...
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Personal Investments • 24-Year-Olds High-Stakes Portfolio: Am I Betting Too...
Emergency funds: 10k yesDebt: 0Tax Filing Status: SingleTax Rate: 22% Federal, 5.7% StateState of Residence: VAAge: 24Desired Asset allocation: 100% stocks / 0% bondsDesired International allocation:...
View ArticlePersonal Consumer Issues • Keeping neighborood cats from using restroom in yard
Scat mat...https://www.amazon.com/OCEANPAX-Inch-Sc ... 525041e0f7Statistics: Posted by toomanysidehustles — Thu Aug 29, 2024 11:22 pm — Replies 30 — Views 1679
View ArticlePersonal Consumer Issues • At what net worth would you be comfortable taking...
I did it very early in my career with zero net worth. Also at other times along the way.Me too, early in your career is a good time to take risks, since you don't have much to lose. I've worked at...
View ArticleInvesting - Theory, News & General • Question on mechanics of bond funds
What I don't understand are bond funds. I have heard people say that a bond fund is like a bond ladder of the same maturity but I don't see how.A bond fund is like a perpetually rolling bond ladder...
View ArticlePersonal Finance (Not Investing) • Do car/home repair funds become irrelevant...
Not a homeowner, so I can't comment specifically about home repairs. But as a frugal person gets more affluent, income taxes become far more important than everything else put together (housing,...
View ArticleInvesting - Theory, News & General • Is there a case for TIPS in taxable...
Treasuries, including TIPS, are good choices for bonds in a taxable account. In addition to the state tax exemption, they are the least risky bonds, and thus have the lowest yields and the lowest...
View ArticleInvesting - Theory, News & General • Model and spreadsheet for asset...
I've got one possible nit (or more likely point of confusion):The nit (or confusion): I get the logic behind A5, and the reduction in risk from holding stock in the taxable account. What I don't...
View ArticlePersonal Investments • Roth IRA or leave it in Taxable? A Wonky Thought...
If the dividend yield is 1.5%, all qualified, then leaving the money in taxable will cost 0.23% per year. If this lasts 30 years, you will lose 7% in taxes compared to the 30 years of tax-free growth....
View ArticlePersonal Consumer Issues • LAX to Culver City, CA
I like the idea of a car service. Any particular ones that anyone could recommend as reputable? Thanks.Uber black is like car service... they allow those cars to pull up into the airport, but it does...
View ArticlePersonal Finance (Not Investing) • How to wire from Vanguard for home down...
Call.I know I can do that. Is that the only way to do it?Statistics: Posted by CaptainKoloth — Thu Aug 29, 2024 11:42 pm — Replies 2 — Views 43
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Personal Consumer Issues • Backpacking: National Parks vs Wildernesses
Yes, the non-NP wilderness areas are more primitive in general and have fewer rules.One I really liked was the Bridger Wilderness in the Wind River Mountains of Wyoming. Not many people. Lots of lakes...
View ArticlePersonal Investments • Name change on Social Security number
Folks,If you do a name change on your social security number, do you need to update all your financial accounts?Thanks in advance.KlangFoolYes. Checks and balances will start to fail,...
View ArticlePersonal Investments • CD/treasury alternatives due to fed rate cuts
I have a good chunk of money sat aside for a cash home purchase when the time is right. The ~5% interest from CDs and short term treasuries has been really nice, but I suspect those days are numbered...
View ArticlePersonal Investments • How to prevent [avoid being hit with] capital gains...
For various reasons I need to completely avoid, or at least dramatically reduce my risk of capital gains distributions.I keep all my money in Vanguard. I’m also wondering if there’s a way to predict...
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