Personal Investments • index funds or etf in Taxable Accounts
Hello all , I have a question regarding my holdings of index funds. I came across below article which states that if i switch to etf i can save more as it's tax efficent and i'm starting to think...
View ArticlePersonal Investments • Selling Specific Lots at Schwab
Has anyone sold specific lots for a mutual fund (VTWAX) at Schwab. I was unable to select the option to sell specific lots on their website. I chatted with customer support and this is the response I...
View ArticlePersonal Finance (Not Investing) • Health Insurance: Value Plan > HDHP HSA?
Open Enrollment season!I've been enrolling in the HDHP plan since being offered at my company a few years ago. I max out the HSA contribution and invest it all in SP500. However, one thing that caught...
View ArticlePersonal Finance (Not Investing) • Getting Money Out of 403b (Planning to...
Hello fellow BH's,I'm in a bit of a bind financially, and would like this forum's input on how to best get funds out of my current 403b at TIAA after I leave my employer.The primary goals of this are...
View ArticlePersonal Consumer Issues • Phishing scam
Howdo,This morning a friend sent a link via our groupchat on whatsapp(there's only 3 of us in the group) it was for a chocolate hamper. I asked the question if it was a scam but the other friend said...
View ArticlePersonal Finance (Not Investing) • Roth Conversion and Taxes
This is the first year of my husband's RMD. Two weeks ago we paid our 2024 taxes using his RMD, following the safe harbor rule (110% of 2023 taxes). (The tax payment includes withholding from...
View ArticlePersonal Investments • tiaa traditional withdrawal options
I’m looking for guidance on what to do with my husband’s Tiaa traditional amount with TIAA-Cref upon retirement. Below are some of our financial data•We both work for the state and there will be no...
View ArticleInvesting - Theory, News & General • Optimal time in December to TLH...
I have a few positions that I'd like to TLH to offset some gains for the year. Is there an optimal time in December to commit to selling? Since there isn't a 1:1 mapping, I'll wait 30 days and assess...
View ArticlePersonal Investments • NY State withholding tax from RMD (Vanguard)
I’ve been getting conflicting information about whether I can withhold NY state income tax from my RMD distribution at Vanguard. Specifically, an OP on a Boglehead thread states: “Vanguard will...
View ArticlePersonal Consumer Issues • Going away, switch off water supply?
Hello, In my area, it doesn't get feezing cold, but time to time, it may, during December. When going away for couple of weeks, is it good idea to switch off water supply? One concern with that comes...
View ArticlePersonal Investments • Fidelilty Advisor Pushing Annuities
Reason: the economy has peaked and we are headed for a recession. I did not think a fiduciary could push like this. Thoughts?Statistics: Posted by HighLonesome — Tue Dec 17, 2024 9:52 am — Replies 18...
View ArticlePersonal Consumer Issues • Mouse + Ritz Cracker + Glue Trap in basement ceiling
Have been using glue traps to get rid of basement mice (I have since sealed external entry points). One of these suckers got away while stuck to the glue trap (from now on I will not use glue traps or...
View ArticlePersonal Investments • Vanguard Withdrawal vs Transfer cash websites
I've been using the old Vanguard "Withdrawl from IRA" website for some time now. Is there any benefit to using the (new?) "Transfer cash" page for distribution withdrawals instead?Statistics: Posted...
View ArticleInvesting - Theory, News & General • Why hasn't my fund suddenly dropped...
Fidelity total US FSKAX and S&P 500 FXAIX. We're in the final days of 2024 and still no dividends. I need to know what they will be for some year end tax/income planning. Any info on when they...
View ArticlePersonal Investments • TLH partner question on TIPS fund
Hi Team!I'm trying to sneak in an "end of the year" TLH on VIPSX (Vanguard Inflation-Protected Securities Fund Investor Shares). I'd appreciate any recommendations you might provide. Thank...
View ArticlePersonal Investments • Balancing to three fund portfolio including taxable...
Hi Everyone,I'm 51 and spouse is 61. We have about $1.1MM in Roths and traditional IRAs after conversion from 401ks after moving on as a W2 career employee to a sole proprietor. Therefore, we've been...
View ArticlePersonal Investments • Harvesting Gains in UTMA Accounts – Tax Questions
Hi,I have two UTMA accounts for my young kids, each with a balance of roughly $8,400. The capital gains and dividends for each account will be under $1,300 (with room to spare) with no other income in...
View ArticlePersonal Finance (Not Investing) • Default on Deed of Trust/Promissory Note –...
We are having trouble getting information on what to do in the situation in which we find ourselves, and I’m hoping to draw on the collective wisdom of this amazing community. Here’s the situation (we...
View ArticlePersonal Consumer Issues • Getting a new career opportunity and will be...
Hey all,I am nervous yet excited about this new travel job that I am getting. I will be traveling a lot for my job, like 3-4 days out of the week. Not every single week but maybe 2 weeks a month I...
View ArticlePersonal Consumer Issues • Realtor tried to talk me out of hiring an attorney
I’m in the process of interviewing realtors to help me buy a home. During my conversation with one (recommended by a fried), I mentioned that I plan to hire a lawyer to review the paperwork when the...
View Article