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Personal Investments • With Schwab Robo advisor, can I select specific ETFs?
Wealthfront will let you pick a completely custom plan with TLH and it even shows which funds have TLH pairs and what they are. Just as an alternative to consider. You could compare with Betterment by...
View ArticlePersonal Finance (Not Investing) • Portability (Life-time Estate exempt)...
There is no Federal estate (or gift) tax on transfers from one spouse to another.Thanks for replying! That's the key to my question. And I think it should probably hold within the RLT upon 1st...
View ArticleInvesting - Theory, News & General • Holding 100% stocks after FI best...
A low catastrophic failure rate is not an insurance policy against catastrophic failure; an appropriately diversified portfolio is.That's not true in general nor helpful to someone without more than...
View ArticlePersonal Investments • Please hep me organise the fixed income part of my...
The above is separate from my EF.Why? As a late stage accumulator, your portfolio is your emergency fund. A separate dedicated EF for people with wealth is a silly mental accounting exercise that...
View ArticlePersonal Finance (Not Investing) • Mega Back Door Roth 401K AND Back Door...
High income does not prevent using the backdoor Roth process. See that article for more.Statistics: Posted by FiveK — Mon Mar 25, 2024 11:19 am — Replies 1 — Views 24
View ArticlePersonal Finance (Not Investing) • Will/Trust lawyer in Charlotte NC area
I have no direct experience with them -- but coworkers (who live in Charlotte) have recommended Garrity and Gossage when a family member was considering moving to North...
View ArticlePersonal Finance (Not Investing) • LTC + Universal insurance in one product
Of course it does First they raid all your death benefit and csv and then the ltci kicks in. If it didn’t then it wouldn’t even be a rider.These are still bad deals. What a great deal for a permanent...
View ArticlePersonal Consumer Issues • Aruba restaurants
If heading to Aruba in February or March, how far in advance do reservations need to be made at some of these restaurants?Places like Papiamento ,Wilhelmina, Wacky Wahoos, Yemanja, Azar, Passions,...
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Investing - Theory, News & General • Trading Treasuries (nominal and TIPS)
Kevin,I have an evolving TIPS ladder with rungs filled in from 2024 through 2028, and then rungs from 2032 through 2034. I'm presently looking to finish my ladder filling in the 2029, 2030 and 2031...
View ArticlePersonal Finance (Not Investing) • California tax return lost in mail
You can file an identity theft affidavit with the ftb even if it's just a potential issue. See this link for answers and the form: https://www.ftb.ca.gov/help/scams/identity-theft.htmlStatistics:...
View ArticlePersonal Finance (Not Investing) • Any reason to keep an old bank account?
No reason to keep it open. Use a high yield savings account instead.ExactlyStatistics: Posted by gunny2 — Tue Mar 26, 2024 11:17 am — Replies 3 — Views 209
View ArticlePersonal Finance (Not Investing) • NY State tax treatment of Accrued Market...
TurboTax puts the AMD on NY line 31 (other subtractions) rather than letting you put it on line 28 (US interest) and will not let you manually adjust if you want to efile. Do any of the mainstream...
View ArticlePersonal Finance (Not Investing) • H&R Block tax software and two 1099-R
Yes, two entriesStatistics: Posted by jebmke — Tue Mar 26, 2024 11:18 am — Replies 2 — Views 82
View ArticlePersonal Investments • Real estate investment question
If you hold the house 2 more years and sell, you will be looking at a very large tax bill. That really is your number one consideration. This tax bill will climb every year you own the house even if...
View ArticlePersonal Investments • Automatic investments - How to keep balanced?
Thanks for all the replies.I think letting dividends and capital gains roll to cash and re-investing as appropriate at that time is probably my best bet.VBIAX is interesting - I'll look at that more...
View ArticlePersonal Consumer Issues • Volvo CPO Extended Warranty
@RootSki,Looking back, do you think you make the right call? I just bought a 2021 CPO XC60 (about 31K miles) and was offered the 10-year extension (which I know is somewhat of a misnomer) from the NJ...
View ArticleNon-US Investing • Career break to maximise time with kids?
A colleague's uncle was at Lehman, knows the royalty etc-- high flyer (corporate broker, I think). Never managed to find a good position again post Lehman, so the last 15 years have been a gradual...
View ArticlePersonal Investments • Advice for 29 year old daughter
I'm recommending that she put all of her new Roth IRA money in VTSAX. I'd love to hear thoughts from the forum about this.What would be the plan to eventually add fixed, if ever? 100% stock is the...
View ArticlePersonal Investments • Looking for a new savings/investment vehicle.
If you have any profitable side work, you could run it as a business and have a 401K (Roth, Trad, or both) to fund with the income. Also this gives you the opportunity to deduct the equipment and...
View ArticlePersonal Finance (Not Investing) • Received Life Insurance Estate mail.
To be clear - How exactly is this the mail addressed? I assumed your names weren’t on it. Is that the case? CheersCorrect are names are not on it.Statistics: Posted by Fishing2retire — Tue Mar 26,...
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