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Investing - Theory, News & General • Why Did/Would You Choose Schwab Over...
Can someone remind me why it's advantageous to convert my VG mutual funds to ETFs prior to changing to another brokerage?Portability. It's future proof. That's the main reason (and much easier to...
View ArticlePersonal Finance (Not Investing) • Sanity Check on Estate Planning Attorney Fees
We paid a little less than that for a Revocable Family Trust with all the bess and whistles. This is near Boston, medium size Town.Hello all. After dragging my feet for years I have finally got around...
View ArticlePersonal Finance (Not Investing) • Valid to think of pension like this?
I am vested in Illinois pension system and am considering a job now with much higher salary. Another 4 yrs at anticipated salary would provide 64350 at 60 and 45000 at 55. There is a 3% annual...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Can one transfer securities from individual to joint account, without incurring any capital gains? Specifically, I'm asking moving between Etrade individual to Merrill Edge joint brokerage. Thanks.IMO...
View ArticlePersonal Finance (Not Investing) • Swimming pool: loan or no?
A swimming pool is a depreciating asset, I would not pay interest on a depreciating asset. Use the money you have saved for it.Statistics: Posted by midwest_bound — Tue Aug 06, 2024 11:10 am — Replies...
View ArticlePersonal Finance (Not Investing) • Improving fico score
Paying the balance before the billing date should make a difference. Not before the balance due date, before the date they send the bill. Part of the formula to determine your score is the amount you...
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Personal Investments • Getting re-started - seeking confirmation and advice
Hopefully, I get this right - first time poster, and short-time member, but excited to join the community! Welcome! I hope you get useful suggestions, but if anything's not clear always feel free to...
View ArticlePersonal Finance (Not Investing) • The practicalities of wire transfers--is...
Mistakes are made. What if you suddenly get a wire INTO your bank account?This reddit thread is interesting and goes into legalities like "unjust enrichment." But like most useless reddit threads, it...
View ArticlePersonal Consumer Issues • Major house remodeling - permits/paperwork and...
how does insurance monitor all of such things?It is common internet misinformation that insurance will deny claims traced to unpermitted renovations. Read your policy, you will find no discussion of...
View ArticlePersonal Finance (Not Investing) • Definitive Thread on Brokerage Retention...
We got a significant retension bonus at Schwab, in line with icarus18's figures (scaled up for a larger set of accounts) when my brother and I took over managing our parents' accounts (POAs, etc.)I'm...
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Personal Consumer Issues • Above garage house extension
We are considering building an additional room above garage. This would be our first major renovation to the house. I wanted to seek opinions here on how to get started with this. I was about to call...
View ArticlePersonal Finance (Not Investing) • Medicare with employer coverage
It is difficult to be very specific without more info. Is the employer a private company or the gov't, the specifics of the HDHP itself, etc.Always best in my opinion to verify any info through...
View ArticlePersonal Finance (Not Investing) • Should I use a SPIA as a bridge to Social...
Thank you Harmanic...yes I meant Roth conversion. What do think of my plan?Statistics: Posted by ScientistGirl — Wed Aug 07, 2024 11:37 am — Replies 28 — Views 3705
View ArticlePersonal Investments • Planning on rolling over 401k to Vanguard this Friday
Who is the custodian broker for the 401(k).In 2013 (or 14, can't recall) I had a 401(k) at Fidelity (Netbenefits). I had them roll it to an IRA overnight, invested the next day. Weeks/months later I...
View ArticleInvesting - Theory, News & General • WSJ article on annuities today Aug...
DPL Financial Partners, which develops no-commission annuities, is mentioned in the article. I had never heard of DPL Financial Partners until I read this WSJ article. Looking at their website they...
View ArticlePersonal Investments • Roth IRA and Brokerage buy/sale, do Wash sale apply to...
The wash sale rule means you aren't allowed to deduct the loss when you sell (which would only apply to a taxable account) if you buy substantially identical securities within 30 days before after the...
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Investing - Theory, News & General • International (Non-US) versus US...
Yup, I’m asking more for my kids Roth IRA’sYou probably already know this but in Roth IRA’s the foreign tax credit is lost and can’t be claimed. That adds approximately 26 basis points cost to the...
View ArticleNon-US Investing • Not so happy in Denmark... individual stocks better than...
The craziest thing about this Danish tax situation is the assumption that "unrealized" gains equal actual gains. Gains not "realized" are only gains on paper. I find taxing unrealized gains to be...
View ArticlePersonal Consumer Issues • Co-sign apartment lease for parent?
I would say co-signing is better than co-renting. I am not sure whether co-renting will affect which home is your primary residence since it may effect capital gain when you sell your...
View ArticlePersonal Investments • Portfolio Review - A Retiree
I assume you are deferring social security to age 70. Are you planning to annuitize your MYGA eventually? As flashes1 says, if you can ensure a base income, then you can do whatever you want with the...
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