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Personal Investments • 2023 US Government %'s on Fidelity Money Markets
Thanks for that feedback. Interestingly the Schwab US Treasury Money Market Fund had 99.6% and has a slightly better yield than SPAXX. I live in PA which has a fairly low state tax rate of 3% so it...
View ArticlePersonal Investments • In-plan roth rollver for After tax in 401k and Tax...
I have an option in my 401k to do In-plan Roth Rollover which I have been using for the last 2 years. I usually put 3-5k in voluntary after-tax money in my 401k , which then immediately gets rolled...
View ArticlePersonal Investments • Vanguard Wellesley
How does everyone feel about this fund now? It has been slow to rebound from disastrous 2022. Has a great track record but wondering if this is a good hold fund for a 62 year old.nobody asked, so i...
View ArticlePersonal Consumer Issues • What inferior good do you love?
spam spam spam spam sausage and spamStatistics: Posted by torso2500 — Sat Feb 17, 2024 2:12 pm — Replies 142 — Views 9277
View ArticleInvesting - Theory, News & General • Absolute cheapest "total...
Thanks, SPTM seems like a possible TLH partner that I was unaware of.Me either. Good find OP!I like SPTM because it excludes some unprofitable companies. There is a lot of junk I would rather not own...
View ArticlePersonal Investments • Roth Overcontribution – Recharacterization questions
Long story short, I over-contributed to both my and my DW’s Roth IRAs for 2023, to the tune of the full $900 penalty. If I understand correctly, I can go back and re-characterize the original...
View ArticlePersonal Finance (Not Investing) • How Do I Avoid Filing Sched A-H to Exclude...
Being below 175% FPL for 2 parents makes you eligible for max Pell, thus meeting condition 1 above.Thanks everyone. So, as a family of five (if, for example, the FAFSA was looking at our income in...
View ArticlePersonal Finance (Not Investing) • IRS Tax brackets for Roth Conversion and...
I wanted to add thoughts on IRMAA. We are also filing MFJ... and I modeled predicted income plus varying Roth conversions through all the IRMAA brackets. In our case, we are shooting to maximize the...
View ArticlePersonal Consumer Issues • How to get my road paved
Have a sit down meeting with the director of road maintenance and get a commitment before leaving.Statistics: Posted by snackdog — Sat Feb 17, 2024 2:14 pm — Replies 43 — Views 1616
View ArticlePersonal Finance (Not Investing) • How to fill the estimated payment in tax...
Thank you both! I use TaxAct, and it asks the estimated tax.Statistics: Posted by mymoney2022 — Sat Feb 17, 2024 2:14 pm — Replies 3 — Views 343
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Investing - Theory, News & General • Managing TIPS Phantom Income
However, there's still a reason to prefer lower coupon TIPS if you are not spending the coupons: coupon reinvestment risk. Your total realized return depends on the coupon reinvestment rates. A zero...
View ArticlePersonal Consumer Issues • Can't Log On to Vanguard / Stop running script msg
I sent an email with a screenshot to their fraud department noting I thought the problem was suspicious. I don't know that the customer service representatives can do much, but I hope that the fraud...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
I think T&C (https://www.webull.com/ko-yield/1704276 ... 3Afalse%7D) addresses this specifically:"Notwithstanding the foregoing, if an Eligible Participant causes the aggregate value of cash and...
View ArticlePersonal Investments • Help me understand SCHO (Schwab Short-Term US...
In January 2022 the interest rate for 2 year treasurys would have been .8% or 80 basis points. So you should have expected $10K to grow to about $10,160 if you had been managing your duration from 2...
View ArticlePersonal Investments • Help me roll my parent's IRAs to Vanguard
To answer the questions posed here.1. Yes I have Vanguard accounts and I am very familiar with their web site. My own IRAs, Roths, 529 plans and money market taxable accounts have been with Vanguard...
View ArticlePersonal Investments • SGOV state tax and selling each month before ex-div date?
Selling SGOV each month before the ex-dividend date and repurchasing afterwards sounds like a lot of work. I think you'd be better off building an auto-rolling T-Bill ladder at Fidelity.It’s more...
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Personal Finance (Not Investing) • Am I overly paranoid?
Just because you are paranoid does not mean that they are *not* out to get you .Seriously, if you do not feel comfortable doing that, that is fine. Personally, if I use an "aggregator" site like...
View ArticlePersonal Finance (Not Investing) • 1M in I bonds maturing with Vanguard...
You could consider switching from VTSAX to the VTI ETF. No trading restrictions there.I understand you plan to try to stay in a lower tax bracket by selling out those I Bonds early. Those were bought...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Has anyone done a conversion from Premium Rewards to Ultimate Cash Rewards? I don't want to pay the annual fee anymore now that it's not possible to sell AA gift cards easily.Do you lose reward points...
View ArticlePersonal Finance (Not Investing) • Security Hack of my bank credit card and...
To the OP,Perhaps this recent story will make you realize that you are not alone in falling prey to these scams.https://www.thecut.com/article/amazon-s ... rants.htmlThat was an amazing story. I...
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