Personal Finance (Not Investing) • SS ?
I guess what I’m asking is my retirement date is august 1stMy last two checks probably won’t be deposited until August 10th but they are payment for JulyI don’t want SS to see this and reduce my...
View ArticlePersonal Investments • Morgan Stanley vs. Fidelity wealth mgmt???
To @gavinslu, @jimkinny, @student, and @Rocinante Rider, my main concerns are achieving tax efficiency, managing funds over a 30-year as I plan for retirement period, determining the right...
View ArticlePersonal Finance (Not Investing) • Best "free" American Express card?
Blue cash everyday is pretty good for no fee. 3% groceries, gas and online retail for first $6000 in each. The preferred card gives 6% on groceries and streaming up to $6000, and 3% gas, but no bonus...
View ArticlePersonal Finance (Not Investing) • Estimated taxes calculation help? 2024...
As for NYC... Total projected 2024 taxable income: 75,314 (fed income $113989 minus $38675, the amount of SSDI to be taxable at the fed level - these #s come from the cotaxaide sheet)Based on...
View ArticleInvesting - Theory, News & General • Share your 'reverse glidepath' stories!
I'm starting my execution of bond tent. I have 35%-50% in fixed income (depending on whether you consider gold/farmland as "fixed income), and I'll continue to invest with this ratio. Once the...
View ArticlePersonal Investments • Tax deferred or Roth for pensioners with significant...
+1 to tax deferred. Rough calculation, if you have 5M in tax deferred 401k/IRA then RMD can be approximately 200k assuming 4% rate.200k + 120k pension + extra will still be below 24% tax rate which is...
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Investing - Theory, News & General • MM Funds "Breaking the Buck
Anyone know if there were more than these guys who broke the buck?1994- Community Bankers US Govt MM (small institutional fund $82 mil AUM) they were using derivatives which went against them. Was...
View ArticlePersonal Finance (Not Investing) • If Fidelity CMA allows SPAXX, what’s the...
For security reasons, I don't recommend typing account numbers into a URL. This feels like a work around or, at worst case, a bug exploit. Also, your browser history will have your URL with your...
View ArticleInvesting - Theory, News & General • Where did the 3T+ Nvidia money come...
Value, in general, does not follow the First Law of Thermodynamics.It CAN be created and it CAN be destroyed.And that process doesn't require the exchange of money. For example, imagine a story breaks...
View ArticlePersonal Investments • Traditional vs. Roth IRA contributions
Very much appreciate the replies....as I look closer, there is no deduction for a household income above an AGI of $116,000 so would have to ensure we would meet that requirement before even...
View ArticlePersonal Investments • 529 contributions from grandparents
Thank you. The grandparents are actually foreigners. So they definitely won't get any deductible. They don't have a tax ID. That's why they can't open 529 accounts for their grandchildren. The only...
View ArticleInvesting - Theory, News & General • 401k vs roth 401k contributions
I looked at a similar problem with pre-2017 tax rates: Roth 401(k) in a 28% bracket thoughts. BLUF: You are probably better off with the Roth if you are a long way from retirement. While you take a...
View ArticlePersonal Finance (Not Investing) • Nightmarish Special Needs Trust Update -...
The experienced described in this thread are beyond sad. And, the fact that bogleheads are having this much difficulty with the system makes it a certainty that the average parent has it even...
View ArticlePersonal Investments • Best place to park $250k for a year
VUSXX the Vanguard Treasury Money Market Fund or an FDIC or NCUA insured high yield money market would be the simplest. Interest from treasuries is exempt from state and local taxes. VUSXX may hold...
View ArticleInvesting - Theory, News & General • What's Been The Best Investment of...
401KsMicrosoftStatistics: Posted by dcop — Thu Jun 20, 2024 11:01 pm — Replies 184 — Views 20799
View ArticlePersonal Investments • Vanguard is threatening forced transition within 30 days.
Non-institutional customers who have a contract with Vanguard that obligates Vanguard to create and redeem shares of its mutual funds should take action to enforce the contract.Who would have such a...
View ArticleInvesting - Theory, News & General • Useful Vanguard IT (dividend warning)
It is worth waiting about a week to buy this fund, but not much longer.The foreign tax credit reduces the cost of buying the dividend in a foreign fund. Suppose that you are in a 24% bracket, the...
View ArticlePersonal Consumer Issues • Under sink water filter power source
Best way is to permanently replace the double outlet down there with a quad outlet. Relatively easy, simple for an electrician. Second would be to put a splitter on it. This might not be up to code...
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Personal Investments • Should we buy out co-owners of rental property?
Hi all,We own a part of a single-family home rental property and are considering buying out the other owners. Would love to hear peoples’ thoughts.The property is a 1000 sq ft SFH on 9000 sq ft lot....
View ArticlePersonal Finance (Not Investing) • To modest income retired renters
I moved to Texas and pay $1103 and that includes indoor parking and basic cable with very fast internet. The Parking and cable/internet is a $140 value. The state I moved from 6 years ago I was paying...
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