Personal Investments • Portfolio review and questions about future investing
Emergency funds: No but keep a month of two of expenses in checkingDebt: $200K on a 15 year mortgage at 2.75%Tax Filing Status: MFJTax Rate: 37% Federal, 5% StateState of Residence: ILAge: Him 49, Her...
View ArticlePersonal Finance (Not Investing) • How to accomplish credit freeze for 18...
Hello, my daughter just turned 18 and it seems like a good idea for her to freeze her credit with the three credit bureaus. Has anyone attempted to help one of their (age 18+) children do this? The...
View ArticlePersonal Finance (Not Investing) • mom's house with mortgage and moving to...
My mom, a widow, recently purchased a house in a 55+ community.I sold my house and moved in with her.My sister and I are trying to figure out what needs to be done about the mortgage on the houseif it...
View ArticlePersonal Finance (Not Investing) • Yet another can I retire question
Assets : 5.2M. 60% taxable, 40% IRA/401K. Portfolio : 80% VTI, 18% BND, 2% cashExpense : 190K per year including taxes, healthcare etc.,Social security : 24K in 10 years (not counting spousal social...
View ArticlePersonal Investments • Selling at a loss: should I sell shares that have the...
BACKGROUND: I am going to do tax loss harvesting in order to rebalance and reallocation my portfolio. My plan is to migrate my allocation more toward my tax-exempt bond fund (CA Intermediate Bond...
View ArticlePersonal Investments • JP Morgan Beta Builders ETFs - any good?
These look like index ETFs with rock bottom ERs. Is there any catch? Is anyone using them in their portfolio?Statistics: Posted by LAMTA — Tue Oct 22, 2024 9:04 pm — Replies 0 — Views 117
View ArticlePersonal Finance (Not Investing) • Buying a condo for dad
DW and I are considering helping dad (76) move into a condo closer to us. He's been a life-long apartment renter, would have to wipe out most of his cash for a down payment on this place. We can...
View ArticlePersonal Finance (Not Investing) • HDHP and HSA for Family or Free Health...
Long time lurker, first time poster.My family is able to get free health insurance through my wife’s plan.We are considering switching to a HDHP and HSA through my available plans. Premiums are $150...
View ArticlePersonal Finance (Not Investing) • Rough estimate of how much we need to retire?
1/ We seem to be burning about 16.5k to 17.5k per month. Let's use the middle number 17k, so annually about 204k. 2/ Add about 30k for healthcare through ACA, for a total of 234k. 3/ Most of our...
View ArticlePersonal Finance (Not Investing) • HSA check my math please
So, I'm trying to figure out how much I can save with a FSA between now (Jan 2025 enrollment) and retirement (age 65). I understand that you have to stop contributing when you take medicare at age 65,...
View ArticlePersonal Investments • Questions with 401K -> Rollover IRA
I understand that I shouldn’t be timing the market, but with the market being at all time high and election right around the corner, I am wondering if I should DCA into the new rolled over IRA...
View ArticlePersonal Finance (Not Investing) • Primary Residence -Sell, Buy, Lease
Hi! This question is in FL, USA. Family bought a home in 2012 for $165k. We still have $93k on the mortgage. Z-estimate value now around $400k. We declared it our homestead property for property taxes...
View ArticlePersonal Finance (Not Investing) • How would you divide the inheritance or...
I have two kids from a previous marriage who are now adults.I have a girlfriend who is expecting a baby next year. We will most likely get married in 2026. After being burned once by divorce, I am...
View ArticlePersonal Finance (Not Investing) • Didn't apply for SSI but received notice...
DW received a notice from the Social Security Administration that she is not eligible for Supplemental Security Income. She is not eligible and did not apply for it. The notice says "On September XX,...
View ArticlePersonal Finance (Not Investing) • Estimated Taxes Payment
I would like to pay estimated taxes using credit card to maximize credit card bonuses. I know there is about 1.8% fee and I am ok with it. How do I not have any taxes withheld from my pay check? I...
View ArticlePersonal Finance (Not Investing) • Optimizing FAFSA - Should I contribute to...
[Moved into a new thread from: How to optimize FAFSA --admin LadyGeek]Regarding optimizing FAFSA and maximizing financial aid: Does it matter whether I make a contribution to a traditional IRA (which...
View ArticlePersonal Investments • VBTLX into BND
Current allocation at Vanguard Roth IRA:30% VBTLX25% VTIAX45% VTSAXsuggested allocation to include: VV, VEA, VO, VCMDX, VNQ, VB, BND, TIP, BNDX I'm not going to list the percentages but I'm going for...
View ArticlePersonal Finance (Not Investing) • Help with FiCalc.app inputs
Hi, I am using FiCalc.app to do some retirement modeling but I'm having a hard time understanding "inflation adjusted" and some of the other variables.Withdrawal strategy = VARIABLE PERCENTAGE...
View ArticlePersonal Investments • 403(b) question
I have a simple question. I feel as though I should have the answer to it, but it's confusing me. Here's a line from our employee manual at work: Matching Contribution. A Matching Contribution equal...
View ArticleInvesting - Theory, News & General • What is the "Safe" parking...
We are ready to exit the "Stock & Bond" world in the next 3 months. We have enough $ "Investments" (60/40 stock/bonds) and no debt, to comfortably (after taxes) live the last 30 years of of our...
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