Investing - Theory, News & General • Seek specific help for Vanguard...
My accounts all transitioned at once. I was hoping to do just one as a test, but I don’t remember seeing that option, so I did all of them. And it went fine. All accomplished overnight.Statistics:...
View ArticlePersonal Finance (Not Investing) • Reducing W4 withholding to reduce safe...
I have already exceeded IRS "safe harbor" limits in my withholdings this year. I am thinking about stopping all W2 withholdings in order to maximize the amount I owe next april without a penalty...
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Investing - Theory, News & General • Preaching to Choir, But Why I Love HSAs
Caveat: I DO NOT love HSAs as a workaround to the Medicare and SS we have all paid for, all our working lives. Felt I should say that.That said, I love what they can do for me as someone who can't get...
View ArticlePersonal Finance (Not Investing) • Pralana Online Released - Impressions
Thanks for these reports on this newly updated/rewritten product.Statistics: Posted by tibbitts — Thu Oct 03, 2024 7:55 pm — Replies 3 — Views 185
View ArticlePersonal Investments • Bond fund allocation: Pre-tax 401K or CA Muni MF
A couple of questions:•If you retire in 10 years, at what age? If you turn 55 in the year you retire, does your 401k allow partial withdrawals under the IRS ‘Rule of 55’ if your employment is severed...
View ArticlePersonal Finance (Not Investing) • Cobra to Obamacare?
some states have laws that let you extend cobra to 36 monthshttps://www.dfs.ny.gov/consumers/health ... _36_MonthsStatistics: Posted by grok87 — Thu Oct 03, 2024 7:56 pm — Replies 5 — Views 398
View ArticlePersonal Finance (Not Investing) • letting friend borrow car for 4 months (in...
I believe you have to keep it insured if it’s registered to you (has a license plate). You could put it in storage and notify usaa it’s in storage and qualify for a reduced insurance rate and coverage...
View ArticlePersonal Finance (Not Investing) • Chase/JP Morgan: better customer service...
That said, the private client experience is still a step up from just regular retail, and many of the Chase Private Client bankers are very good and stay with the firm for many years. The products are...
View ArticlePersonal Investments • Offsetting gains/losses mistake
I am trying to help a friend with a situation. He was trying to offset 10K of losses. So he started selling. But because he didn't do the math correctly, he sold too much and ended up with 20K of...
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Investing - Theory, News & General • Concentration Risk in the S&P500
If a sector seems to be too large, the sensible thing to do is to divide that sector into multiple sectors. And tiny sectors should be folded into another sector.Like asking to have a pizza cut into 4...
View ArticlePersonal Finance (Not Investing) • What is a year of retirement in good...
i have two points and they are predicated on whether you have enough money. i will leave that to all the other advice. (it appears yes)1. I love motorcycle touring with my wife. She is no longer...
View ArticlePersonal Investments • Retirement Planning: DIY or Professional Services
Schwab has an excellent RMD calculator here: https://www.schwab.com/ira/ira-calculators/rmdPut in your information and then at the bottom, choose make lifetime projection. This puts 6% gains on your...
View ArticleInvesting - Theory, News & General • The 4% Rule Just Became a Whole Lot...
[I want to point out that Vineviz and Bobcat2, two of the best forum participants are participating here as well, Vince (Vineviz) is a Financial Advisor and Bob (Bobcat2) is a retired economist. Bob...
View ArticlePersonal Consumer Issues • Purchasing house on property 500 meters away from...
Talking to the neighbors is the best input you can get. This was going to be my first recommendation, and would be the number 1 factor to consider in my decision if I were in your shoes.Regarding...
View ArticlePersonal Investments • Starting towards Fi late- Portfolio help
… Notes: I'll be starting to max Trad IRA …Your TIRA contribution will likely not be deductible. … Rollover IRA $11.4k11.5% FIDELITY 500 INDEX FUND (FXAIX) (0.015%)Traditional IRA Fidelity $1000.11%...
View ArticlePersonal Investments • Does lightning ever strike the same place twice?...
Current position:8400 AMD shares at cost basis of $1.2m —> +$234kAMD 150 Calls 12/19/25 (20 contracts, cost basis = $76k) —> +$18kAMD 140 Calls 12/19/25 (10 contracts, cost basis = $32k) —>...
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Investing - Theory, News & General • Does anyone believe that TIPS are...
MUST-have is too strong. Let's say "No-brainer" and "Can't-think-of-any-reason-NOT-to-have."My first purchase of TIPS was in 1998. They've always seemed like no-brainer to me. Just as with index funds...
View ArticlePersonal Consumer Issues • State Farm Home Owners Insurance increase by 27%
This is timely - I just today switched carriers and saved a substantial amount of money. Was with GEICO (auto) who uses liberty mutual to underwrite homeowners in Wisconsin. My liberty renewal rate...
View ArticlePersonal Investments • Any way to avoid taxes incurred due to re-balancing?
The short answer is no, OP. You just have to rebalance as often as you're able with new money. I'm in the same position as you, way below my target for bonds and buying them when my paychecks...
View ArticlePersonal Investments • 529 -Saving for college education
I think you have enough, with anticipated growth, to cover 4 years at private college and grad school too. You have saved well. I wouldn’t bother with the 5K yearly to get the state tax credit.As a...
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