Personal Investments • Rolling 529 to Roth IRA
My daughters are young. Age 1 and 2. I’ve been contributing to a 529 for each girl since they were born. I anticipate using the 529s to pay for college. However, if they don’t go to college or if...
View ArticlePersonal Finance (Not Investing) • Capital Gain vs. QBI
[Topic is now in Personal Finance (Not Investing) - mod mkc]I have a small business and end the year somewhere in the QBI deduction phaseout but have a sizable QBI deduction. I also have a lot of...
View ArticlePersonal Finance (Not Investing) • Will real estate prices in major American...
I read that, in the 1960s or so, something structurally changed in the USA and it created increased zoning and bureaucracy to build housing (permanently delaying supply) such that it is likely that...
View ArticlePersonal Investments • Inheriting 500k at 28
My father passed away at the beginning of the year and had a life insurance policy that put 500k in a trust for me. I will receive ⅓ when I turn 29 (in 8 months), ½ at 34, and the balance at 39. I...
View ArticleInvesting - Theory, News & General • How the other 0.1% Invests
UBS puts out a quite long, but interesting, analysis of how family offices invest: the UBS Global Family Office Report. Some take-aways: a shift towards more fixed income (no surprise there). A shift...
View ArticlePersonal Consumer Issues • Drilling into concrete foundation (for mounting...
(I'm good with drilling into wood and drywall, but have struggled to drill into concrete...)Tried to mount something (device to be attached with screws) to our concrete foundation. Used a good...
View ArticlePersonal Investments • Date of IRA account creation
I need to withdraw money from a Traditional IRA account that was created and funded decades ago. IRS rules say you must be at least 59.5 yrs old and have held the account for five years to withdraw...
View ArticleInvesting - Theory, News & General • Victor Haghani on owning TIPS bonds...
Victor Haghani author of The Missing Billionaires on whether one should own individual TIPS bonds vs TIPS etfs.The question, “Should you buy bonds or bond funds?” gets a lot of discussion in the...
View ArticleInvesting - Theory, News & General • Did Bogle say that a 50/50 portfolio...
Hello. I recall John Bogle once saying that he believes if someone held a 50% stocks, 50% bonds portfolio for the long run, they might do just as well as someone who used a Target Date Fund (sliding...
View ArticlePersonal Investments • Bond Allocation
I'm working on my 3 fund, and have been preparing a more thorough post with questions, per the posting guidelines. In the meantime, here is one question bugging me. My plan is to allocate bond funds...
View ArticlePersonal Investments • Selecting Lots when exercising call options
I have some call options that I purchased on the open market that are deep in the money. Next month, at expiration it will be ST capital gains but I would like to exercise them early in an attempt to...
View ArticlePersonal Investments • Governmental 457 and 401K vs rollover to IRA?
I am fortunate to have a governmental 457 and a governmental 401K, both pre-tax. Both of these have good self-directed retirement account options and each has an additional annual cost of <0.01%. I...
View ArticlePersonal Investments • Closing an Account and Year-End Tax Forms
If a person closes an investment account during the year, does this affect whether they receive a year-end tax form for the now-closed account? --For trad and Roth IRAs (contributions and...
View ArticlePersonal Finance (Not Investing) • SSD Monthly Earnings Limit Issues
A friend is on SSD and is able to earn up to 1550 per month.Has W-2 job at Walmart and normally works around 22 hours a week. However, Walmart salary is paid bi weekly so for about 2 months each year...
View ArticlePersonal Investments • POGRX
Primecap Odyssey Growth Fund (POGRX) (ER 0.66)This is my only actively managed fund in my 80/20 portfolio with a small value tilt.I have used it for my ROTH IRA contributions/conversions since 2017....
View ArticlePersonal Investments • "T+1" settlement also work for Roth &...
When the markets open up for business after this long weekend "T+1" settlements finally kick in as it relates to cash freed up for reinvesting. Does "T+1" setlement alaso apply for both traditional...
View ArticlePersonal Finance (Not Investing) • Has anyone appointed a POA for their...
I'm looking into the mechanics for appointing one or more persons as my POA to enable them to conduct redemptions of my I-Bonds held at Treasury Direct. My objective is to allow one or more persons to...
View ArticlePersonal Finance (Not Investing) • Help with Claiming IRS Interest on Delayed...
I had started a thread previously viewtopic.php?p=7838971#p7838971, needing help resolving a portion of my tax refund due to me for 2021 tax period. It took over a year but I finally was able to get...
View ArticlePersonal Investments • Nationwide YourLife Protection VUL advice needed
As I noted in my previous post about another insurance product, since these policies were sold to us, I have lost touch with the advisor as he is in failing health. He sold these policies telling us...
View ArticlePersonal Finance (Not Investing) • sanity check: multiple Solo 401ks &...
Currently my wife and I operate a Solo 401k that covers our self employment income that comes from two businesses we are the sole owners of where both businesses have adopted the plan. Each of us also...
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