Personal Investments • VMFXX Settlement Fund vs Mutual Fund
I use the money market mutual fund as a specific bucket that im putting former extra principle mortgage payments into because the rate is better.But no there's no difference.Statistics: Posted by...
View ArticlePersonal Investments • Why do people buy annuities?
But that doesn't answer your question, which was why people buy annuities. I think only a small percentage of those who buy annuities buy them to protect against the risk of living too long and...
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Personal Investments • Late and Lazy - New Boglehead
Goal was the pay off the home by 40 and then start saving 40% (of max amount allowable in the retirement accounts) towards retirement. However already reading and learning about boglehead, I am now...
View ArticlePersonal Finance (Not Investing) • Provide state drivers license info for tax...
You can still submit without entering the info. There is a box that can be clicked, I don't have a DL or State ID or similar. No rejection or issues with filing when this is selected. My daughter has...
View ArticlePersonal Consumer Issues • RiteAid closings now limiting medications pickup...
I just went thru this for my mom. One week Rite Aid is stocking the shelves and a week or so later the store is closed. Last minute rush around to get her a new prescription from a new source. Suggest...
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Personal Investments • For those of you in early retirement, what is your...
This is super-helpful. Thank you! I'm surprised to see any failure rate at 50-52x expenses. What simulation are you using? I've mostly used firecalc.I am using my own Monte Carlo simulations using the...
View ArticlePersonal Investments • Index fund choice to offset a large fossil fuel position
To your point, he would not go out and buy Exxon Mobil today. However, since so much of the position is capital gain, I think it seems very painful to him at this point to sell it and take the capital...
View ArticlePersonal Investments • Those complimentary dinners for retirees by investment...
, these seminars may be helpful as long as it is done by a combination of good professional investors and orators since the two skills may not reside in the same person.I might be wrong, but my sense...
View ArticlePersonal Finance (Not Investing) • Big Tech worker - career break due to...
I have a feeling that leaving your environment to escape your mental health issues is usually only an escape and it will come up in different ways in the new environment.Statistics: Posted by kojima —...
View ArticleInvesting - Theory, News & General • um. When did PSLDX raise it's ER to...
thanks to all for the discussion. Educational, which is a good thing!Statistics: Posted by ltgcc — Sat Apr 06, 2024 1:50 pm — Replies 22 — Views 3517
View ArticlePersonal Investments • California taxation of dividends: is H&R Block...
Hmm. I'm not familiar with any 50% rule. What I do is actually enter the documented percentage of interest that is from federal sources on the 1099-Div entry form.... and that works just fine. I think...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
"The German Generals Talk" - B.H. Liddell Hart.Series of interviews with some of the surviving German Generals after WW2, including von Runstedt, von Kleist, and Manteuffel. This was a frustrating...
View ArticlePersonal Finance (Not Investing) • Form 8606 Confusion
And yeah, definitely the plan moving forward to either make non-deductible contributions to tIRA and convert OR just start making and leaving contributions in the tIRA. I still have more reading to do...
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Investing - Theory, News & General • FTC and 1116: How to do it with...
Thanks for responses, and the welcome When I had posted my question I was a bit afraid that I'd have to dig deeper into the Form 1116. I had cursorily looked at the associated IRS pubs, and had found...
View ArticlePersonal Finance (Not Investing) • Child Tac Credit
Thank you for your help. How much child tax credit should I expect? Total Income after pretax retirement investments = 37500Deductions = Standard Deduction + Traditional = 26800Taxable Income = 10700I...
View ArticlePersonal Investments • Tax Inefficient Funds in Taxable Account
The ETF overlap tool, https://www.etfrc.com/funds/overlap.php, shows that every company in VNQ is also held by VTI, so it's unnecessary. A TIPS fund is a good choice if you want to reduce portfolio...
View ArticlePersonal Finance (Not Investing) • How to find necessary info to create form...
I'm not sure if this will help you, and I can't give you detailed information for your situation since we do QEF not M2M. However, when we will out our 8621s, I have found the resources of...
View ArticleNon-US Investing • Non-Dividend Alternative to Bonds (and Bond ETFs)
Would an accumulating bond ETF work for you? VAGF is the first one that comes to mind.Thank you so much for the answer! Unfortunately, UCITS is problematic for UC citizens (whether residing in the US...
View ArticlePersonal Finance (Not Investing) • Robinhood 3% Rewards Visa Card
The point was a typical sign up bonus is way more lucrative than teh difference between 3% cashback and 2.5% cashbackThis is my starting point too. I +/- figure that I am limited to two cards per year...
View ArticlePersonal Finance (Not Investing) • Form 2210 Schedule AI--Annualized Income...
As an aside, got into this mess because of a very large Roth conversion in December 2023.Since the income time that created the problem is in their Q4, if you annualize (IRA speak for breaking down...
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