Personal Finance (Not Investing) • How do you re-allocate investments when...
Say all your investments are essentially 100% stocks split 50/50 in 401k and individual brokerage. When getting closer to retirement, do you just adjust your 401k investments to be more bonds since...
View ArticleInvesting - Theory, News & General • Dangers of excessive optimism?
I read somewhere else that it is better to have a plan that might be slightly suboptimal but one you can stick to, rather than optimal but you can't stick due it went the seas get rough. I agree with...
View ArticlePersonal Consumer Issues • Indoor air quality testing services
I've always thought, well if it's environmental, we would ALL experience issues, or some of us. Sensitivity to air quality issues, including allergens and "stale air", varies greatly from person to...
View ArticlePersonal Finance (Not Investing) • Another NJ Tax Loss Harvesting negative?
I am completing an Estate Income Tax return (Federal 1041 and NJ 1041) for a family member with TurboTax Business, and I just went through our personal taxes using TurboTax to see the effect of the...
View ArticlePersonal Investments • Treasury Direct - The Eternal Wait and No Way To Track...
We got the 20 week letter several months after sending in paper iBonds that a deceased relative had owned; that was about 5 months ago. We requested direct deposit into the estate account but have...
View ArticlePersonal Consumer Issues • What Toys Have You Bought That Have Been Worth it?
KitchenAid stand mixer. I do not know why we waited so long. One of the things I really like about it is that while it's mixing, I can walk away from it to prep another ingredient or put an ingredient...
View ArticlePersonal Investments • How to Determine Retirement AA? [also VCIT or BND?]
Need to think about adding bonds.This is not to sell equities but when contributing new.Will start in tax advantaged space.Debating between VCIT or BND, something else, or just adding a bond heavy...
View ArticlePersonal Finance (Not Investing) • Use RMD to pay taxes
My wife is a co-owner of her banking accounts and they have $300k in them.The bank account is irrelevant to any RMD except that the remaining RMD (not withheld for taxes) may not pass smoothly from an...
View ArticlePersonal Finance (Not Investing) • Pub502 and Assisted Living Tax Deduction
Of course expenses must exceed 7.5% of adjusted gross income. https://www.payingforseniorcare.com/gui ... deductions"Assisted living expenses must also meet medical requirements set out by the IRS to...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
I set up "Last statement balance, on due date", and it automatically applies any credits from returns towards the balance before charging the payment.This is dependent on the card company. Chase...
View ArticlePersonal Investments • Please hep me organise the fixed income part of my...
Age? Time horizon? Goals for the money? Attitude toward bond funds and how they fluctuate in price per share? Regards,Late 50s age 5-8 years to retirement - cut down to part time but still working now...
View ArticlePersonal Investments • HSA Tax efficiency in CA
If you use treasuries, keep in mind that capital gains and losses on treasuries are taxable. Additionally, treasury funds don't all quality for being state tax free. Since contributing through payroll...
View ArticlePersonal Investments • Fiduciary advisors vs not - how important do you think...
Allan Roth has said that he has been appalled at what he has seen Advisors do who are supposed to be fiduciaries. Seems to me that fiduciary status is most often a starting point and not an ending...
View ArticlePersonal Investments • Paying off 115K in Debt Using an IRA BDA - Should I Sell?
Same tax implications Livesoft told you about on 12/28/2022.Thank you. I wanted to make sure that I would not be paying any capital gains in addition to the income tax for recent growth as this is a...
View ArticlePersonal Finance (Not Investing) • Can I really really afford a 3 million...
I dont know how people are going to weather this and not just CA also places like FL and southeast etc and other environment impact areas. They are getting very concerned there will be no insurers...
View ArticlePersonal Consumer Issues • How to avoid getting ripped off on urgent home...
What's the best way to avoid getting ripped off when you need urgent home repairs?I've been burned more times than I want to admit by crappy handymen, or plumbers and electricians who are doing stuff...
View ArticlePersonal Consumer Issues • Growing Tomatoes in Five Gallon Buckets
I have a garden, but also have 3 large patio planters that I put tomato plants in. I usually get one cherry and two Roma plants. Romas do quite well in containers. The planters have holes at the...
View ArticlePersonal Consumer Issues • Walmart Plus Feels Like A Scam
The thing that is addictive about Amazon Prime is that shipping is free, period, no ifs, ands, or buts. An even with free shipping, typically--not always, but typically--Amazon prices are competitive...
View ArticlePersonal Finance (Not Investing) • To ROTH / Not to ROTH with uncertain...
What US state do you live in & what state income tax rate do you pay?If you live in a high income tax state (NY/NJ/CA/etc.), you are paying an additional 7%-10% to the state & Roth...
View ArticlePersonal Finance (Not Investing) • Does It Ever Make Sense For FEHB Enrollees...
The FEHB has not required you to enroll in Medicare yet but it likely will do so in the future, just like Tricare.If many 65+ FEHB beneficiaries decide to not join Medicare, the FEHB premiums for...
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