Personal Investments • Going rate for assets under management?
1.4% is extortionaryVanguard will do 0.3%. Elm Wealth will do it for 0.12%I do it for myself at 0%.I often say that I’m as dumb as a sack of hammers here, for some 14 years, and only one voice has...
View ArticlePersonal Finance (Not Investing) • Mechanics of using 529 money
Ah, yes, I think you're right. I was confusing the 529 rules with the rule that a gift of college tuition made directly to the college is free of gift taxes on any amount. So, for instance, if tuition...
View ArticlePersonal Finance (Not Investing) • Simple trust for 0 tax rate on $3150...
Creating a separate EIN for the trust is easy, but if the trust has more than $600 in annual income, then the trust has to file IRS Form 1041 along with a state income tax filing for the trust as an...
View ArticleClik here to view.
Personal Consumer Issues • top rated US civil engineering undergrad programmes
Our son is also pursuing Civil Engineering, and when we were doing this same research the top 5 undergrad programs were:Georgia TechUC BerkleyIllinois (tie with Purdue)MITAs we're Illinois residents,...
View ArticlePersonal Finance (Not Investing) • Are capital gains taxes owed on IRA-ROTH...
age 70 plusRoth ira account not touched in over 15 yearsjIn that case, it's all your money, tax free and penalty free. Regards,Statistics: Posted by retired@50 — Mon Dec 16, 2024 9:13 am — Replies 17...
View ArticlePersonal Investments • RSUs have appreciated - what to do?
You have 40% of your net worth in a single, high-risk holding. Holding onto it is just gambling.Statistics: Posted by PVW — Mon Dec 16, 2024 9:14 am — Replies 5 — Views 448
View ArticleInvesting - Theory, News & General • Scratching my head about current...
I like to watch this video to remind me of how some of the largest companies in the world are unlikely to remain so. It's a visualization of top 10 companies by market cap over time since...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
I use Chase as my main checking account. I keep a brokerage account there and hold my cash via vanguard money market fund. It can take the same day to sell and get funds back into my checking account....
View ArticlePersonal Finance (Not Investing) • Do Catastrophic LTCi policies exist
Those products were coming online in the..late 80s and early 90s (timeframe I believe is correct). Then they were basically outlawed through regulationY’all, here is a simple heuristic. If there is a...
View ArticlePersonal Finance (Not Investing) • HSA & Self-Employed Healthcare Tax...
So you're betting that your $1M surgery happens in an in-network hospital by 100% in-network doctors which is unlikely if you've crossed state lines.The no surprises act means you only need to make...
View ArticlePersonal Investments • 40yo. Just Crossed 1mm Net Worth. How are we Doing?
I’d cut off the college funding at this point and redirect to savings. I’d also find a fee only advisor and get a plan together. How's the earnings security? Hopefully you have 20 more years, but you...
View ArticlePersonal Investments • Does anyone else really not want to rebalance now?
I just rebalanced recently. It brought a great sense of relief.I’m at ease with the market now and can sleep at night if it keeps soaring or if it drops like a rock tomorrow.I think finding that...
View ArticlePersonal Consumer Issues • How Do You Make The Best Cup Of Coffee?
A) Should and can are two different things. The official way to test/cup coffee is via Chemex.B) Espresso lets you taste the roast level. But, not necessary all of the possible notes in the coffee...
View ArticlePersonal Investments • NY State withholding tax from RMD (Vanguard)
I’ve been getting conflicting information about whether I can withhold NY state income tax from my RMD distribution at Vanguard. Specifically, an OP on a Boglehead thread states: “Vanguard will...
View ArticleInvesting - Theory, News & General • Optimal time in December to TLH...
I never go back to a stock if I sell it for a loss. I use the opportunity to jettison the runts. Losses get sold, gains get donated. I have 3 left to dump but the max deduction is 30% of AGI. When I...
View ArticleNon-US Investing • [Italy] - My lazy portfolio, seeking advice
You have been very kind, so I'll try a final question. Did you make the math of how much is the cost of hedging in QDVJ that I should add to the TER of 0,10%? Looking at the historical performance it...
View ArticlePersonal Investments • tiaa traditional withdrawal options
Some clarifications might help.Will there be a defined benefit pension from the state? This seems the most typical circumstance for not receiving Social Security.What state? (for tax purposes and...
View ArticlePersonal Investments • creating a Schwab-Vanguard link
have an over-30-year-old account at Vanguard and this company is screwing up my links to banks (has screwed up two links). From reading your posts, it seems quite possible that you are the one who...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
I just checked California’s guaranty policy and it says it covers 80% of the present value; and up to $300,000 per individual, regardless of how many policies they have. The state also imposes a 2.35%...
View ArticlePersonal Consumer Issues • Flaunt Your High-Mileage Car
2010 Prius - 500,000 miles, and showing its age.Perhaps the moderators will nw give the usual "This topic has run its course and is now locked" although someone might just eventually beat this...
View Article