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Personal Investments • Tax-loss harvesting for future years: Worth it?
I already have some losses (~$9K) in my taxable account that are over $3K, from stock A, which I held there earlier. I also currently hold stock B position, which is currently in the loss (-$4.4K)....
View ArticlePersonal Consumer Issues • Maalwarebytes Digital Footprint: Data breaches...
I did a Malwarebytes "digital footprint scan" on one of my email addresses, which supposedly looks for leaked personal information on the dark web.It revealed six data breaches, including my email...
View ArticlePersonal Investments • Converting CREF R3 to Vanguard funds -- allocations to...
Hi,I have CREF R3 in my TIAA account but we now have Vanguard funds with lower ERs. I looked at the Morningstar XRAY to figure out what's in CREF 3....
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Personal Investments • Vanguard warning about "buying the...
I moved some money today from my settlement fund into the Treasury MMF (VUSXX). Vanguard displayed a warning about buying the distribution given that there was a pending distribution, which presumably...
View ArticleInvesting - Theory, News & General • Balanced Funds Performance / 4%...
Check out Ethan Braid's HighPass Asset Management YouTube video titled "Retiring? 4% Rule vs Bad Timing", for an excellent analysis of the performance of Vanguard's Wellington and Balanced Index...
View ArticlePersonal Investments • 457b conversion to Roth IRA
I am considering converting $ from my govt. 457b account to a new Fidelity Roth IRA so I can make qualified charitable distributions about 2-3 years from now. The 457b account has acceptable funds and...
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Personal Investments • Should I switch my 401K to three fund portfolio?
Hi All,Right now, I am only invested in a Vanguard 2035 Target date fund. I was wondering if it would be better to just stay with this or to switch to a three fund portfolio. I must admit I am not...
View ArticlePersonal Finance (Not Investing) • Did I make a mistake? IRMAA, AGI, MAGI,...
I'm still figuring out how much I can Roth convert without being subject to IRMAA.This year I think I'm OK, unless I convert some more. I would not mind converting a little more, but I think I do not...
View ArticlePersonal Consumer Issues • Recessed Wall / Mounting TV
I have a recessed wall with the dimensions 35" H x 50" W x 28.5" D. A TV is in the "hole" presently. I was looking to get a bigger TV, more than 35" x 50". I was wondering if there is a simple TV...
View ArticleInvesting - Theory, News & General • Tax exempt money market fund or SNAXX
New to considering bonds. 54 y/o currently invested 95% us equities through low cost ETFs50% in Taxable account35% in tax deferred 401k15% in Roths (spouse and I) and fully funded 529 plans for 3 kids...
View ArticlePersonal Finance (Not Investing) • Confusion over DPOA at Schwab
hile my mom was visiting over the holidays, I wanted to upgrade my status and my wife (as backup) status' from Power of Attorney to Durable Power of Attorney so I retain the ability to manage if she...
View ArticlePersonal Investments • please help me choose bond funds in my 403b
Hello all - My Fidelity 403b plan does not have a Vanguard total bond fund so I'm trying to create a replacement without using the Fidelity brokerage link. Hoping to keep things simple, Here are the...
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Personal Finance (Not Investing) • Gifting nonresident alien some stock in US...
I'm a US citizen and have a nonresident alien (NRA) family oversea. My spouse and I were thinking gifting some US stock in our US brokerage account to a NRA family member's US brokerage account...
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Personal Investments • Advice for initial bond allocation
Looking to start an initial allocation to bonds of 5% as more of a learning exercise before potentially increasing the allocation in future years. I'm 34yo with a ~25-30 year investment horizon and...
View ArticlePersonal Investments • Should I trust the local Fidelity VP as an advisor in...
I'm up to a $3 mil balance at Fidelity. I retire in March of 2025 with total investments of $5.5 mil (60%/40% allocation with about $350K in cash/money market). The VP of my local office reached out...
View ArticlePersonal Consumer Issues • Recommend a portable car battery booster pack?
Through a combination of luck, maintenance, and driving newish cars, I have not had a car battery die on me in over 25 years. Back then if I needed a jump start I needed to find someone that had...
View ArticlePersonal Investments • Retirement is on the horizon - Seeking Financial Review
Context:Contrary to user-name, our financial goal gravitates around having "enough". Living comfortably (without worry to cover expenses) > living extravagantly.Target retirement in 2.5 years / mid...
View ArticlePersonal Consumer Issues • Direct Transfer to TIAA from Vanguard: Where to...
In early January, I expect to make a direct transfer of funds from the settlement MMF in my Vanguard tIRA brokerage account to one of the variable annuities in my (existing) TIAA tIRA. Usually, I...
View ArticlePersonal Finance (Not Investing) • How to title second home
Hi erudite ones.Quick question.Am a resident of MA but own property in AZ which we snowbird in for part of the winter. MA remains our residence.AZ home is a SFH and not rented but held as joint...
View ArticlePersonal Investments • Investing for child
I want to start an investing account for my new born. I do not want to do a 529, I don’t see huge benefits in it and don’t like the way the spending is restricted. The education side is also pretty...
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