Personal Finance (Not Investing) • Vanguard custodial account type?
Are all custodial accounts called UGMA/UTMA? I have a child with enough saved money to justify a brokerage account. The savings include both earned income and years of accumulated gifts. This money is...
View ArticlePersonal Investments • Investing Advice
63 old man with $150k in my 401K. Looking to retire in a couple years. How do I most of what I have?Statistics: Posted by consultmark — Thu Oct 17, 2024 3:03 pm — Replies 2 — Views 204
View ArticlePersonal Investments • My Bond Returns....?
Vanguard records indicate the following as the 10-Year "Average Annual Return" as follows for the four bond index funds I purchased in November 2015:Total BondVBTLX1.82%Interm TermVFIDX2.91%Short...
View ArticlePersonal Finance (Not Investing) • Annual gifting to children and grandchildren
Can 2 siblings with very substantial wealth (will use full lifetime gift amount by 12/31/2025) give $18,000 gifts to each other's children? This would result in all children receiving $36,000 this...
View ArticlePersonal Consumer Issues • Insurance Carrier requires roof repairs
We have a new Insurance company for house and car as our previous carrier closed their business. The new Insurance company recently made a house inspection. I just received a letter from our agent...
View ArticlePersonal Consumer Issues • Gaming PC - CPU or GPU?
Would this CPU and GPU combo be good enough to last at least half a decade, as far as gaming goes? I mostly want to play Hogwarts Legacy and Diablo IV but who knows what better games will arrive in...
View ArticlePersonal Finance (Not Investing) • How much living expenses do I need when...
Strong possibility I will be quitting my current job as a CPA/tax preparer within the next year and hanging my own shingle and starting from scratch. My spouse does not work outside the home and if...
View ArticleInvesting - Theory, News & General • Underperformance [active funds vs...
Interesting article in Chris Leithner,s latest newsletter-can someone provide a link?It is well known that active funds run by professional managers underperform the index by 80-90%+What is less...
View ArticlePersonal Finance (Not Investing) • Health Insurance Selection
Hi,I am having a hard time selecting health insurance for next year. It is for myself and my spouse. No medical issues or kids.I've narrowed down to the PPO or HDHP. Both plans are extremely strong....
View ArticlePersonal Finance (Not Investing) • Merrill Edge CMA Deferred Debit Card
Hey all, saw when opening Merrill Edge account they have a deferred debit card. Is this worth it? I am preferred rewards platinum honors with a debit card on my BofA checking too but the "once per...
View ArticlePersonal Finance (Not Investing) • Need to update Investment Policy Statement...
I haven't updated my IPS since I retired in 2021. Oops. So I opened it up and saw my objective leading up to retirement. "Objective: $XXM in retirement savings with a paid off house." We achieved that...
View ArticlePersonal Finance (Not Investing) • Wills, POAs, transfer doc, no trust. Am i...
Hi - I recently retired at 62. Need to ask a nagging question or two!Situation:- My family is my wife, adult daughter, and me (and 2 dogs).- I now have all my investment assets at Fidelity, abit over...
View ArticlePersonal Investments • Pre-tax vs Roth for couples who plans to retire 10...
P1: 47 years oldP2: 48 years oldWhen P2 turns 58, she will be eligible for FEHB (MRA+10). Therefore, we are planning to retire in 2034. Here are our assets:• 401K Pre-tax: $600K• 401K Roth / Roth IRA:...
View ArticlePersonal Investments • Portfolio Check after laid off from work
Hi Folks,Appreciate the community and help everyone provides here.This time it is not just a portfolio check but also as I got laid off from work, need some extra help in navigating the next steps.A...
View ArticlePersonal Finance (Not Investing) • Credit Card Churning/Closing/Credit Score
I've done some credit card churning to get the rewards/cash on some cards and want to now close them. I have a few questions. I have the following cards with year opened. I've been a loyal Bofa...
View ArticleInvesting - Theory, News & General • Reporter doing story on taking...
A reporter at a national publication would like to talk to people who take deductions for unreimbursed charitable expenses. Examples include car mileage, airfare, and hotel expenses that are paid to...
View ArticlePersonal Investments • Total Bond fund reporting
Hello,If I invest in a Total Bond Market fund such as BND or VBTLX, does the year-end tax reporting allow for segregation of income from US Treasuries vs municipal bonds vs other kinds? I would want...
View ArticlePersonal Finance (Not Investing) • Do you use the perks of a higher tier...
I like Chase a lot, but their higher tier Sapphire checking requires tying up 75k with the bank or in a self-directed account. The main perks are no overdraft fees, no foreign transaction fees, free...
View ArticlePersonal Consumer Issues • Desktop Monitor - 1440 or 1080?
I am upgrading my desktop monitor but a lot of the internet discussions are just going over my head. Will there be any problems (e.g. blurriness) watching Netflix, or Youtube videos, etc., on a 1440...
View ArticlePersonal Finance (Not Investing) • TSP Withdrawal (not retired)
About 10 years ago I realized that my military pension was going to cover the vast majority of my no kidding retirement income goals. We decided to buy a lot in a neighborhood so that we could build...
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