Personal Investments • Bonds in taxable or tax advantaged?
Assuming a person is in their late 30s, high federal/state tax brackets. This person is maximizing their tax advantaged savings opportunities and has leftover $ for investments in taxable accounts. 1....
View ArticlePersonal Investments • Did I make a huge mistake ?
Even though she has a pension AND SSThe idea of a spousal IRA contribution is that the non-employed spouse shares in the earned income of the employed spouse. Her other income isn’t...
View ArticlePersonal Investments • Overall Investments & Taxable Brokerage...
Yes, VTWAX in Roth, VTSAX in brokerage is fine.Over time, you might want to add in a bond fund for some "stability" in the 401K, hopefully some low cost option. 100% equities now is fine.I appreciate...
View ArticlePersonal Consumer Issues • AirBnB price fluctuations
I wouldn't be surprised if restaurants started using the same scheme for meals, based on demand/time.Statistics: Posted by veggivet — Sun Feb 04, 2024 11:42 am — Replies 11 — Views 999
View ArticleInvesting - Theory, News & General • Inherited Roth that was created with...
Thanks, that is what I thought. 5 years till earnings are tax free. No, the entire Roth IRA can now be withdrawn tax-free. (See fabdog's quote of the IRS rules.)The deceased could have opened and...
View ArticlePersonal Consumer Issues • Laundry Detergent Pods Suds
There's an easy answer: don't use the pods if you don't like the results. We don't like the results. New is not always better.Statistics: Posted by stan1 — Sun Feb 04, 2024 11:43 am — Replies 9 —...
View ArticlePersonal Investments • Treasury Direct - The Eternal Wait and No Way To Track...
After reading this, I've decided to make sure we have liquidated our assets there when we get in our 70s. We are both an otherwise good health so, so statistically our mortality is unlikely in the...
View ArticlePersonal Investments • 1099r distribution less than rollover check
Previous post continued, it seems Empower should have left box 2a blank or entered $30. But instead they enter $0. Do I change that amount to $30 in Turbotax, even though the 1099R says $0? Or is...
View ArticlePersonal Consumer Issues • Is Everyone's Info Really on the Dark Web?
Wikipedia has a good article on the dark web and how to access it: https://en.m.wikipedia.org/wiki/Dark_webThe dark web is the World Wide Web content that exists on darknets: overlay networks that use...
View ArticlePersonal Consumer Issues • How do people know where I am from?
In my last 2 posts responders knew I was from Maryland. How do people know where I am from?Is it in my profile somewhere?or are people just that sharp that they remember 1 post from 3 months ago where...
View ArticleInvesting - Theory, News & General • Echoes of Dot Com Bubble?
However, we're talking about companies now actually producing real products and hiring actual talent with actual profits.However, a lot of the biggest company profits are based not on producing...
View ArticlePersonal Finance (Not Investing) • Eliminate HELOC by liquidating Taxable?
From the financial side, you're in the gray area as to whether it's better to pay off the HELOC or not. If it was me, I'd pay it off. I like keeping debt to a minimum nowadays. Keep the HELOC for...
View ArticlePersonal Investments • Irrational Pre Retirement Retirement Nervousness?
I would not say it is irrational. It is a protection mechanism so that you will make a proper assessment. Now, if it is causing health or relational issues, then maybe it is too extreme. I would say...
View ArticlePersonal Finance (Not Investing) • Recently laid off from FAANG, should I go...
A distortion caused the whole concept of of FIRE is that it turns one's time on this earth in a career as something to be gotten over with, rather than as something worthwhile and fulfilling. Maybe...
View ArticlePersonal Finance (Not Investing) • Solo 401k for IRA Rollover
Yes, it sounds like she could open a solo401k and make a modest contribution for last year. The main advantage would be to roll the tIRA into it so that she could do Backdoor Roths with no worries...
View ArticlePersonal Investments • Please help organizing portfolio and funds
Thank you for the feedback on the 401K funds...I think my big question now is how to reduce the funds in the taxable account if I don't have any tax loss harvesting to do beyond just setting it up so...
View ArticlePersonal Finance (Not Investing) • 401k and access at 55 question
My employer allows access to 401k penalty free at 55. Does this rule apply only if I am retired or can I separate from employer and still access funds if I work part time somewhere else?Unless you...
View ArticlePersonal Investments • Vanguard Deposit Options
I would like to utilize a Vanguard Brokerage as my HYSA. However, I am used to wiring funds and having them be available the same day as with Fidelity. Per my conversation with a Vanguard rep, the...
View ArticleInvesting - Theory, News & General • How Taylor Larimore made a...
Index funds are like playing par golf!Indexing is simple and easyPar golf is notStatistics: Posted by JBSjr — Mon Feb 05, 2024 11:44 am — Replies 45 — Views 7284
View ArticlePersonal Investments • Vanguard’s confusing 1099-DIVs
I copied my Vanguard 1099 and saved them. Tried to upload them into turbo tax, but no luck so far.?? Can you explain what is happening that prevents the upload? Starting my taxes next...
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