Personal Investments • Accidentally have two solo 401(k) brokerages, now what?
Like many here, I had a solo 401(k) with Vanguard. Prior to Vanguard handing over the account to Ascensus (ugh), I wanted to transfer to Fidelity.In June, I set up a Fidelity solo 401(k) account with...
View ArticleInvesting - Theory, News & General • Is it possible for brokerages to...
I've never had a margin account so this is a theoretical question. Can brokerages lose money on clients who borrow money in margin accounts? For example, if a client shorts a stock, but then overnight...
View ArticlePersonal Investments • How to Manage Mom's Funds
I have Power of Attorney. Mom is 83, in good physical health, and has no financial literacy. I've just gotten access to her funds. I just learned she has had 600K in a f***ing checking account for the...
View ArticlePersonal Finance (Not Investing) • New Jersey "Other Retirement Income...
New Jersey tax law provides for Retirement Income Exclusions, including the Pension Exclusion and the Other Retirement Income Exclusion.In 2024, I am planning to realize some capital gains (~$55,000)...
View ArticlePersonal Investments • Gift income windfall
Hi all. Recently, my parents informed me that it is their wish to gift me $36k annually indefinitely. Seeking advice on how to handle this.Emergency funds: more than a year of expenses: ~60k...
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Personal Finance (Not Investing) • State of IL Deferred Compensation 457...
As state university employee, in addition to SURS pension and 403b (traditional and Roth- 23k limit), there are two types of 457 plans available to me. State of IL 457 (traditional and Roth) and more...
View ArticlePersonal Finance (Not Investing) • Liability for Injuries During Apartment...
Hi,I'm currently in the last month of my apartment lease in New Jersey, and I've given proper notice to my landlord that I'll be moving out. The landlord wants to show the apartment to prospective...
View ArticlePersonal Finance (Not Investing) • Taking Social Security - My realization
Hello, I’m 64 and haven’t taken my Social Security yet.I have passive income from rental properties, so I’m comfortable.My plan was to wait and decide whether to take it 67 or 70.With the recent...
View ArticlePersonal Finance (Not Investing) • Aca subsidies - (fallen ill - Retire now?)
My mother (63) has always planned to work till 65, mostly for health insurance until medicare & also because that's when her pension starts paying out. She works really long hours and is not in...
View ArticlePersonal Finance (Not Investing) • Errors in Medicare.gov Part D for Guardian...
FYI - If you or a loved one gets their Part D prescriptions through a LTC Pharmacy this post may be of interest to you.My mom resides in an assisted living community in southern California. She...
View ArticlePersonal Finance (Not Investing) • Tracking expenses with minimal effort? Is...
What is the best way to get an idea of what you spend money on each month? I know what our fixed bills are, I keep a spreadsheet to track how much of our gross income we save, and I know we are living...
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Personal Finance (Not Investing) • How to find tax specialist
Hi all,I'm facing a fairly complex (to me, at least ) tax situation involving sale of foreign business, US immigration, foreign asset reporting, form 5471, cryptocurrency, etc. I'd like to discuss...
View ArticlePersonal Investments • 401k transfer bonus to Schwab refered by spouse anyone...
So I'm giving up waiting on Fidelity to offer a bonus to xfer my 401k from an old employer as they have in the past, I'm just tired of Transamerica's lousy web interface. My current employer uses...
View ArticlePersonal Finance (Not Investing) • Financing a new home build—seeking advice
My wife (42) and I (45) will be building a new home in the HCOL DC metro area. We are setting off on this journey with eyes wide open, and are interested in getting opinions on how we structure the...
View ArticlePersonal Finance (Not Investing) • How much to save for emergency expenses ?
When you go online, you hear standard numbers like keep 3 or 6 months of living expenses as emergency savings to use when you lose your job. Unfortunately, this sounds very arbitrary and does not help...
View ArticlePersonal Consumer Issues • Has anyone else experienced a similar issue with...
I've been dealing with a frustrating problem with my 2022 Model 3 Long Range for 14 weeks now. The car has been at the service center for 10 days, with another 5 days estimated before it's ready. The...
View ArticleInvesting - Theory, News & General • It's like dejavu all over again with...
Back three decades ago when i first started investing, Vanguard Treasury MM had just dropped from 5.3% (or thereabouts) down to 4.8% or so.I've been fondly remembering those days in all the years...
View ArticleInvesting - Theory, News & General • Vanguard mutual fund trade settled...
Background:I own only Vanguard mutual funds and I transitioned from Vanguard mutual fund accounts to Vanguard brokerage accounts earlier this year after pressure from Vanguard to do so. I am still...
View ArticlePersonal Finance (Not Investing) • Taxes on RMD
[Topic is now in Personal Finance (Not Investing) - mod mkc]I'm still a few years from RMD's, so I'm trying to learn as much as I can. I have an401k and an IRA in Vanguard that will subject to RMD's....
View ArticlePersonal Finance (Not Investing) • Considering asking for old job back
I posted a few months ago about how I was considering changing jobs. I was making $130k with 10% bonus target in a pretty laid back job which I had great WLB. I didn’t feel like I was growing and felt...
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