Personal Investments • Possibility of Future UHNW Estate in PA, Advice Please...
The current estate tax exemptions are set to sunset at the end of 2025 which should be a concern for you given your net worth and you can take advantage of them now under the most favorable terms we...
View ArticlePersonal Consumer Issues • What are you listening to now
“Harmony of Difference”, Kamasi Washington (2017)Statistics: Posted by Chv396 — Wed May 08, 2024 9:40 pm — Replies 6037 — Views 682521
View ArticleInvesting - Theory, News & General • Whole Life Insurance Review
yep bad decision to buy it. Its really hard to game these bc the interest rate looks good. As you know its not guaranteed, the insurance costs goes up over time, if you surrender any and all gains are...
View ArticlePersonal Investments • Bonds in Taxable Question
With this in mind, permit me to propose a syllogism:1. Bonds in taxable accounts are not advised.2. An exception to this rule is munis for people in higher tax brackets.3. Muni returns in higher tax...
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Personal Finance (Not Investing) • dumb question on estimated tax payment
Contributing more to a 401K, either traditional or Roth, doesn't increase your taxes. Probably some other reason such as changing the contributing from a traditional to a Roth.I have the same...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Has anyone here been banned by a brokerage for doing too many ACATS?What kind of number are you thinking because I do a fair amount but not likely more than 4-6 in a year at any one...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
We just watched "Unfrosted" on Netflix. It was good for a few laughs and had an incredible cast, yet overall we were disappointed.Same here. I'm a huge Seinfeld fan but despite some good 60s and 70s...
View ArticlePersonal Finance (Not Investing) • Does Anyone Have an Aversion to Credit...
It is not rational to use a debit card over a credit card. Debit cards are far more dangerous and janky to use. I used to use them as a teen due to some holier than thou aversion to debt. I got...
View ArticlePersonal Investments • Invest after-tax income in 401k account or in taxable...
Glad it helped!Get this sorted and setup going forward.Then get back to more important things like spending time with those you love!Statistics: Posted by SnowBog — Wed May 08, 2024 9:46 pm — Replies...
View ArticlePersonal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?
Freedom Flex and Freedom Unlimited should both offer 3x UR points at Pharmacies. Probably worth it to sign up for least 3% back + 0% APR for 15 months if you have a lot of pharmacy purchases. About...
View ArticlePersonal Finance (Not Investing) • Removal of Excess Contributions
In Jan 2022, my wife and I both contributed the max $6k to our Roth IRA accounts. In December, it turns out we were above the MAGI limit to be eligible for Roth contributions. I am able to...
View ArticlePersonal Finance (Not Investing) • Private health insurance
It looks like the Colorado term is "assister". https://connectforhealthco.com/we-can-help/assisters/Oh that's awesome! Thanks a lot for your help!Looks like there is one 5 miles from where we...
View ArticlePersonal Investments • E-Trade: Mechanics of buying with cash in MM fund
You got the gist. I just buy WMPXX or PCOXX and forget it.Statistics: Posted by bmcgin — Thu May 09, 2024 9:32 pm — Replies 4 — Views 288
View ArticleInvesting - Theory, News & General • Memoir of my Empower "Financial...
Good for the OP to stick with their investment plan. With respect to the 0.89% annual fee, my question (on the bond side) would be "if a ten year Treasury bond is paying 4.45% right now, why would I...
View ArticleInvesting - Theory, News & General • Investing, wealth accumulation and...
For diversification, maybe add a small suitcase full of greenbacks ($US) to the small backpack full of gold. I suddenly have a vision of Julie Andrews and the von Trapp family so-equipped when hiking...
View ArticleInvesting - Theory, News & General • the death of 60/40
BTW, we shouldn't act like forecasting is weird.People who own equities do so because they forecast they will return more than bonds.But that's it."more than bonds".If you get more specific than that,...
View ArticlePersonal Investments • Time to buy long-term bond or long-term treasure funds?
Now that the Fed interest rate is approaching or has reached a peak, it seems now is a good time to buy into some long term bond funds like VBLAX (long term bond) or VUSTX (long term treasury). I'm...
View ArticlePersonal Consumer Issues • Electric lawnmower question
I don’t know which model I have, but I have 2 7.5 batteries (I also have the ego backpack blower. In general, I like the mower. It’s not big enough to do my whole property regularly. We have .75 acre,...
View ArticlePersonal Finance (Not Investing) • Urgently need advice regarding Universal...
[5. Is there any sort of middle ground where we can maintain this policy with lower premiums (and a potentially lower death benefit), or is it an all-or-nothing scenario at this point?I did this with...
View ArticlePersonal Investments • Liquidate high fee mutual fund or defer capital gains?
the math really depends on the returns of the current fund and the alternative investment for the next 5 years. You'll need to make some assumptions and run the numbers at different returns to see...
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