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Personal Investments • Avoiding RMD by continued minimal employment via...
Why not do a QCD of your entire RMD to the university? You could even start giving QCDs now.Statistics: Posted by prd1982 — Sun Apr 07, 2024 2:09 pm — Replies 1 — Views 111
View ArticlePersonal Finance (Not Investing) • trouble printing statements
Vanguard statements. RO/IRA, Roth, and Taxable Tr. I like having the monthly statements. I tried paperless and had trouble finding statements to print. So I asked to be put back on paper statements. 3...
View ArticlePersonal Finance (Not Investing) • Avoiding tax in the non-resident state
Sadly, thought that will be the case. Oh well. Thanks folksSo you're never physically present in MO, correct?Statistics: Posted by tibbitts — Sun Apr 07, 2024 2:12 pm — Replies 6 — Views 238
View ArticlePersonal Finance (Not Investing) • Buy in cash or mortgage?
Buy in cash. Sell your index fund. Buying cash will save you mortgage related expenses which maybe higher than the 3000 in capital gains. So, savings will offset capital gains related tax cost. With...
View ArticleInvesting - Theory, News & General • solo 401(k) max when one has a 403(b)
I stand corrected. I did not realize that a 403b was considered "controlled" by the employee. It seems very odd. Here is a good write up that I found while looking into...
View ArticleInvesting - Theory, News & General • Questions about Asset Allocation in...
1. Cash: When it comes to cash, many people say it is a "drag." In the humble opinion of this retired nurse who really doesn't know much, cash is good for a lot of reasons. It's a good diversifier in...
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Personal Investments • TDFs in Roth bad?
If you are under 30, you do not need bonds. Invest in Fzrox - Fidelity ZERO® Total Market Index Fund and Fzilx - Fidelity ZERO® International Index Fund. Stock returns higher than bond. Skip bond.This...
View ArticlePersonal Investments • Vanguard 529: underwhelming approaching college, options?
From my understanding of the Vanguard 529, the 4532 Nevada Short Term Reserves Fund has become the majority of your portfolio in an attempt to minimize the risk. Vanguard sets it up so that as the...
View ArticlePersonal Finance (Not Investing) • When is a pension qualified?
So it appears that my pension plan is qualified, but my key staff deferral plan is not. The key staff deferral was apparently given out to everyone. Apparently for a pension to be ERISA it must be...
View ArticlePersonal Consumer Issues • Live next to busy store. Our fence damaged from...
Since the fence is on property line, shouldn't a new fence cost be split? Legally or morally?Legally, it's different state-by-state, and maybe even county-by-county.I suppose a good first step is...
View ArticlePersonal Consumer Issues • Is it worth traveling 3 hours to see the solar...
I must have had it perfectly in 2017. Sat on the edge of a large river bank, with a river aligned with the path of the umbral Shadow. You could watch the dark shadow approach you while sitting on the...
View ArticlePersonal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?
I think the Chase World of Hyatt card also gives a free night (categories 1-4 only) per year as well.Statistics: Posted by FedGuy — Sun Apr 07, 2024 2:20 pm — Replies 7209 — Views 1431489
View ArticlePersonal Finance (Not Investing) • Turbotax not handling K-1 Box 13 Code AE
I tried to do my taxes today and am getting similar issues: My K-1s from an Angellist rolling fund have a positive number in Box 13 labeled AE and the drop-down menu for Box 13 now has AE as an...
View ArticlePersonal Investments • When to own bonds
I understand your stance. In that case, though, why I Bonds and not cash, HYSA, T bills and whatever else?I certainly hold them too, both T bills and HYSA. I hold them in that particular order too....
View ArticlePersonal Investments • Is this a good idea?/Who to consult regarding private...
She going to rent it back from you while she lives there at current market rates, you doing really long term lease? Who is paying Taxes, insurance, all other costs? Hopefully she has many years of...
View ArticlePersonal Investments • How best to approximate Vanguard Target Retirement...
Easiest way would be to hold VT and BNDW at about 77% and 23% ratios. Basically the exact same portfolio without the risk of huge capital gains like VFORX had in 2021.Of course you'd have to manage...
View ArticleInvesting - Theory, News & General • Your thoughts on ‘active money...
Got it, thanks! No, I was not considering trying to find the magical active money manager. Again, I was assuming that there is data to show that this mythical unicorn doesn’t really exist. Active...
View ArticleInvesting - Theory, News & General • Innovators "buffered" ETFs
As a retiree I use these buffered products replacing my Bonds...........this way I have downside protection of 15 % while capping my upside around 18%.Tell me this is not a good thing when compared to...
View ArticlePersonal Consumer Issues • EV charging
I have owned and roadtripped 3 BEVs over the last 9 years, and live in a mixed hot/cold climate. Never had a heat pump in any of them, nor missed having one.A lot of the benefit of a heat pump is...
View ArticlePersonal Investments • Vanguard ETFs or mutual funds
With ETFs, the exact time that I place the order makes a difference, where with mutual funds since you get end of day pricing, the time of day doesn't matter. Not a big deal, but seems to add a little...
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