Personal Finance (Not Investing) • How to report solo 401k contributions on...
what software are you using?whatever you do, don't put it on schedule C.is it a pass through business?For pass-through businesses, the employee and employer portion of the Solo 401k contribution is...
View ArticlePersonal Finance (Not Investing) • how to find (or calculate) marginal tax rate.
OK, Klang I see it. The 24% rate is quite broad enough to contain any of my small adjustments.But don't forget about what jebmke said - it depends on what type of income. An extra dollar of salary or...
View ArticlePersonal Investments • Money Market Funds vs US equities right now?
Your perception that stock vs cash returns through end of 2024 are in any way predictable is false. Last year the difference was 26% vs 5%. Year before it was -18% vs 1.5%. And before that it was 28%...
View ArticlePersonal Investments • Active versus index international fund
The difference in expense ratios between the passive and active funds you posted is nearly 10-fold and there hasn't ever been an active fund to my knowledge that has consistently beat the market...
View ArticlePersonal Finance (Not Investing) • First Step for Newly Divorced Parent with...
...It would probably be helpful to mention your age and the age of your children, along with the state that you're in.North Dakota, kids are in elementary school.Statistics: Posted by fulltilt — Mon...
View ArticlePersonal Finance (Not Investing) • estimated tax payment slips
At this date in the cycle, use DirectPay if you do not have an EFTPS account. Your bank statement will show the transaction and it will be debited on the date you choose.Statistics: Posted by jebmke —...
View ArticlePersonal Finance (Not Investing) • Quantifying the financial impact of car...
If you want to get into the weeds, there are expenses of not owning a car/owning one car that you don't consider - like greater use of Uber/Lyft and public transit (a monthly pass here is like $350)...
View ArticlePersonal Consumer Issues • Aetna changed EOB after 3 months
Admission into the hospital is wild with EOB's. I've gad some take easily 4-6 months to finally post. Jan 1st has to be the worst timing for a hospital admission but that's a good sign if admission of...
View ArticlePersonal Finance (Not Investing) • Avoiding RMD by continued minimal...
2) Do QCDs now.The OP is 62. Minimum age to do a QCD is 70 1/2.It appears from this thread that you won't owe taxes on 100k+ (QCD) + 60% of AGI for each RMD. Using your 260k RMD example above shows...
View ArticlePersonal Finance (Not Investing) • Question about what tax year a K-1 should...
Tax year question aside...So many times I've gotten a late or revised document. It is just easier to wait until just before the deadline to file.I think taxpayers who have to live with on-going...
View ArticlePersonal Finance (Not Investing) • Negotiation help on a custom new home build
Another fun anecdotal story from my local custom home market.A really close friend of mine had his custom home build in 2020 before all of the building material and building labor inflation. The...
View ArticlePersonal Investments • Feeling Mislead into Vanguard REIT fund
One point that should be stress that these investment researchers may not be consistent. One would expect Bill Bernstein to be a hardcore AA, but he has been indicated in a few interview that he has...
View ArticleInvesting - Theory, News & General • Rob Berger: Vanguard vs. Fidelity...
I’m unclear what Rob Berger’s qualifications are in the financial space. For instance, is he a CFA?Not CFA.Retired Attorney who has securities litigation experience.Also has served as a deputy editor...
View ArticlePersonal Investments • Set & Forget Portfolio
My simple, self-managed, low-cost, tax-efficient, basically-3-fund portfolio is held mainly at Schwab.Maximum expense ratio for any single fund/ETF in the portfolio is 0.07% (SGOV).Taxable brokerage...
View ArticlePersonal Finance (Not Investing) • Concerning energy rebates, is the IRS...
Why would a rebate be considered income? It is essentially a discount on a purchase. If you get a rebate on something that is a deductible expense, and you itemize, then a 30% off discount means you...
View ArticlePersonal Consumer Issues • Autos Collecting and Selling Our Driving Info? Is...
The discussion is getting derailed on roofing. Please stay on-topic, which is data collection by your car.Statistics: Posted by LadyGeek — Tue Apr 09, 2024 2:43 pm — Replies 80 — Views 5984
View ArticlePersonal Investments • Portfolio Review - 37M, MFJ, 2 kids, WA
Congrats on your hard work and investing success to date. Be careful with Schwab mm funds. Their settlement account mm funds don’t pay much interest. I don’t think it matters what % of your portfolio...
View ArticlePersonal Finance (Not Investing) • Is your Bank/CU offering FedNow instant...
My experience has been that Zelle can use email when supported directly through the financial institution. When enrolling in Zelle I am usually prompted to select email or the phone number. I've...
View ArticlePersonal Finance (Not Investing) • Sold investment property
The discussion is getting derailed on S&P 500 historical return.Please stay on-topic, which is:Can anyone give me a round about idea on how much of a check I need to cut the federal...
View ArticlePersonal Investments • Asset Allocation Without Tax Consequences?
I generally don't have this issue because virtually all of my money is in tax deferred, but if I had taxable, I would do the following: If you have tax deferred, rebalance there. Say you have a 401K,...
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