Investing - Theory, News & General • Total Portfolio Allocation and...
I noticed you and Jacob made this project open-source, much appreciated even though I don't have the skill to build and deploy it. Should you two decide you're done and retiring to a tropical island...
View ArticlePersonal Finance (Not Investing) • Seeking Real-World Experience of Licensed...
First of all, I am not seeking legal advice (please don't stray there). In fact, I am not seeking any advice. However, I am trying to better understand how Realtors handle a fact pattern as described...
View ArticlePersonal Investments • Is an AUM Fee a Taxable Withdrawal from an IRA ?
Provided the advisor deducts the AUM fee directly from your IRA, it is not a taxable event.If you were to get a check from your IRA, and then pay the AUM fee, then it would be taxable.Statistics:...
View ArticlePersonal Investments • Talk Me Out Of (Or Into?) A Crazy(?) Investment Idea
Might be looking at the math wrong but…500/month is 6000 per yearSo that’s basically 11 ish years to break even with the 68k paid into the SPIA. What’s your anticipated shelf-life - greater than or...
View ArticleNon-US Investing • Sold my company - put everything in VWCE?
@ TylerDurdenThe2nd - not advice, but thoughts...It is unclear from your post if you received €10M post tax in a lump sum already or you will be receiving €1M/y post tax every year for the next 10Y...
View ArticlePersonal Investments • Portfolio Review for Mom 60
Since she is in CA, why not a 3 or 6 month t-bill yielding 5.3% and that is not subject to state tax, instead of SPAXX or the institutional version?Does the maxing out of 401k include after tax...
View ArticleInvesting - Theory, News & General • Wash sale rule WRT IRA
Based on AGG vs BND: Bond ETFs Comparison Guide (and see their respective Morningstar pages) they look different enough to be "not substantially identical" and thus you wouldn't run afoul of the wash...
View ArticlePersonal Finance (Not Investing) • Charitable Finance Strategy
I would have to get whole life insurance to finance this which they help you set up. This is the trouble ^^^. If you don't need whole life (which I'm guessing you don't) then this (almost certainly)...
View ArticleInvesting - Theory, News & General • Wealthfront Savings and the Yotta...
This point has been made multiple times upthread.Perhaps this adds a new angle to that.If using an FDIC-insured sweep account at Vanguard or Fidelity, and there is a record-keeping issue, what is the...
View ArticlePersonal Finance (Not Investing) • Medicaire, IRMAA and the like
I had no idea Medicare was so complicated.Now I'm really anxious about us incurring penalties or fines for not signing up in time (it's almost 6 months since she turned 65). You had up by 3 months...
View ArticlePersonal Finance (Not Investing) • How can I close my Solo 401(k)?
[*] Part3 6a: "Total End of the Year Plan Assets" will now be 0. [*] Part3 6c: "Net Plan Assets" will now consequently be 0.Did you fill out Part III 6(a)Total Plan Assets in the Beginning of the year...
View ArticlePersonal Investments • Platforms Like M1 Finance, fractional etfs and...
M1 uses apex clearing, so apex has all you cost basis and 1099’s. Not a fan for taxable accounts. Just curious, what don't you like about Apex Clearing? (I'm wondering what I should watch out...
View ArticleInvesting - Theory, News & General • Rick Ferri's comment about...
Jack Bogle also said don't rebalance.Statistics: Posted by Bama12 — Fri Jul 05, 2024 2:22 am — Replies 59 — Views 8218
View ArticlePersonal Investments • Talk me into diversifying ... (high tax burden)
Check this thread. viewtopic.php?t=430457I am in a similar boatStatistics: Posted by turing17 — Fri Jul 05, 2024 2:27 am — Replies 4 — Views 296
View ArticlePersonal Finance (Not Investing) • keeping assets separate in a marriage
As a female reading this thread makes me so sad. Makes me wonder who was taking care of OP while he made all this money for the last 18 years. Who cooked his meals, kept his house clean, washed his...
View ArticlePersonal Consumer Issues • Hanging laundry room cabinets no studs
Free-standing low shelves or cabinets ( not high enough to require anchoring). I mean, how many shelves do you need for several months supply of detergent?Statistics: Posted by ReadyOrNot — Fri Jul...
View ArticleInvesting - Theory, News & General • Where My 100% Equities Peeps At?!?
100% global equities. We have some spending money in a money market account for upcoming expenses but that's negligible.Statistics: Posted by Bernmaster — Fri Jul 05, 2024 3:20 am — Replies 439 —...
View ArticlePersonal Finance (Not Investing) • I feel like I cannot afford where I...
I think if I had a second income from a spouse I would be content, but I can't rely on that. If I were to move to a place like Texas I would have an additional $20-25k/year in my pocket, at the...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
After the ATM withdrawal posts to your account.Thanks. Strange... I took out money from foreign ATM yesterday, it was posted to my account today but there is no fee refund posted.I don’t know if it’s...
View ArticlePersonal Consumer Issues • Tips on car rental
.. Are there any [car rental] companies better to deal with? ..I use National [Emerald Aisle] for car rentals. [There is no waiting in line for Emerald Aisle.]When there is no National car rental, I...
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