Personal Investments • My Bond Returns....?
morningstar.com says over past 10 years VBTLX outperformed VMFXXStatistics: Posted by livesoft — Thu Oct 17, 2024 9:57 pm — Replies 11 — Views 834
View ArticlePersonal Finance (Not Investing) • Made a terrible mistake in contributing to...
but in the thread you quoted, Alan S says the opposite:With respect to the original post, the excess resulted from a combination of pre tax and Roth deferrals. In that case, the tax code indicates...
View ArticlePersonal Consumer Issues • Gaming PC - CPU or GPU?
I've been thinking about building a new PC myself for a while, so your post motivated me to do some research. If you've never built a pc before, there's lots to know...This is probably not the best...
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Personal Finance (Not Investing) • 401k Excess Contribution Tax Penalty at...
Right. It's just ordinary income.Dang that sucks. I'm assuming it'll be taxed as the ordinary income based on the state in which I lived when that 401k was contributed to (vs my new state now), is...
View ArticlePersonal Finance (Not Investing) • Age in place forever home location...
[Topic is now in Personal Finance (Not Investing). Thank you to the member who reported it and explained what was wrong. mod mkc]I am debating two different scenarios for my upcoming retirement, which...
View ArticlePersonal Finance (Not Investing) • appreciated shares donation questions
The Vanguard basis options are as follows:- Minimum Tax (MinTax)- Specific Identification (SpecID)- Highest In, First Out (HIFO)- First In, First Out (FIFO)- Average Cost (Avg Cost)Which of those...
View ArticlePersonal Finance (Not Investing) • Having a baby at 48
Thanks for the list. Do people pay for graduate school and weddings? I work in a pretty high earning industry and my coworkers are adamant about not paying for grad school or weddings.Grad School: We...
View ArticlePersonal Finance (Not Investing) • my son became 18 (Roth IRA for Minor and...
Thanks for reply. It turns out that Maryland law is 21 years not 18, so we can't do anything until he becomes 21. Thanks everyone!In most states that means it must happen by then. No reason it cannot...
View ArticlePersonal Investments • NW [net worth] & emergency funds—when/if to drop?
I thought this was a better question to ponder when banks were paying 0.1% interest on cash. You can still get 5% on cash balances today so it’s less of a concern.For some that means more taxes as...
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Personal Finance (Not Investing) • Fidelity as a one stop shop
... I've never seen a business I've personally dealt with burn so much goodwill so quickly....I feel like this is the crux of it -- Fidelity seems to have gone out of their way to handle this issue...
View ArticlePersonal Investments • Portfolio Check after laid off from work
Hi Folks,Appreciate the community and help everyone provides here.This time it is not just a portfolio check but also as I got laid off from work, need some extra help in navigating the next steps.A...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
I don’t close old ones. They auto close after few yearsSo just open a new account/fund it and zero out the balances in the existing account?Yup that is what I do. I usually transfer out from existing...
View ArticlePersonal Investments • Pre-tax vs Roth for couples who plans to retire 10...
You likely should already be using Traditional instead of Roth. Some guidelines say if your state+fed marginal is > 30%, use Trad. If < 25%, use Roth. Between 25-30, it's a toss up Remember that...
View ArticlePersonal Consumer Issues • Two recalls issued for recent Honda vehicles
I own a 2016 Honda Civic and experienced the sticky steering wheel which was brushed off by dealership. It is intermittent. The recall may include more years and models in the future.15 pages of NHTSA...
View ArticleInvesting - Theory, News & General • Private-Equity’s Fading Fortunes:...
Jack Bogle spoke out on private equity, capitalism, and American finance in an interview from 2007 (in this case nursing homes) that I remember watching:https://www.pbs.org/moyers/journal/0928 ......
View ArticlePersonal Finance (Not Investing) • Questions about Medicare Advantage
Beware MA plans like AARP United Healthcare that say - just turn on the traveling option and go anywhere in the states for coverage. My dad went to Vegas and had a stroke. Rehab facility wouldn't take...
View ArticlePersonal Consumer Issues • Bad car rental experience: Fidelity CC to the rescue
Sorry to hear about your experience. Not to quibble with what happened to you, but I've rented from Sixt (only in the US) and have had good experiences.But, as others have said, I approach rentals...
View ArticlePersonal Investments • Short Vs Medium Vs Long Term bonds
Thank you for the replies.401k is maxed out but the cheapest bond fund has an er of .4 as opposed to the cheap s&p fund so I have bonds in taxable. I currently have state minus and in a MMF but it...
View ArticleInvesting - Theory, News & General • Vanguard Lockdown/Security Feature
Does Vanguard still not have a lockdown feature?I did a pull transaction from another institution and it went right through. No notice from Vanguard at all. I have all possible text and email alerts...
View ArticlePersonal Consumer Issues • Coffee bean suggestions?
Find your best local roasters and try their freshest beans. Ask which they recommend for french press. Taste their coffees and decide what you like. Then get the freshest local beans you can find....
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