Personal Finance (Not Investing) • Year in Hawaii: where to call home?
I may have the opportunity to live for a year in Hawaii with a temporary job downtown near Waikiki. It will be me, my wife and a dog. We've been to Oahu multiple times but we are struggling to figure...
View ArticlePersonal Investments • Does wash sale apply between taxable and non-taxable...
Let's say I sell a stock in my taxable account that has a capital loss of $100. The next day I buy the same stock in my traditional IRA account. Is this a wash sale?Statistics: Posted by frugalor —...
View ArticlePersonal Finance (Not Investing) • Impact of Ed Dept Update on SAVE on...
Ed Dept issued an update on the SAVE plan (student loan): https://www.ed.gov/higher-education/man ... /save-planAs a result of pending litigation, it looks like those who enrolled in this plan in...
View ArticlePersonal Investments • Should I replace my BND with SCHD?
Hello,The last 10 years, I have held BND in my SEP IRA. Hindsight is 20/20, but holding this bond fund has put a major drag on my overall portfolio return. The bond aspect of my portfolio did not...
View ArticlePersonal Investments • Portfolio Review Please
Hello,I would like to get feedback and suggestions for consolidating my portfolio. I've considered moving to a static allocation fund to eliminate the redundancies but I'm reluctant to give up control...
View ArticlePersonal Investments • Once you hit FIRE, how do you withdraw 4%? Quarterly...
Let's say you are FIRE.You want to follow 4% rule for your brokerage account.You are 60% VTI and 40% VMATX (Muni bonds) for your brokerage account.How do you withdraw to pay your expenses? VMATX have...
View ArticlePersonal Finance (Not Investing) • Boss dynamics- Feedback or experiences
Over the last 6 years, here is the patternYear1-2: Report to Boss1, manage a team of engineers and execute projects. More work than people could handle.Year2-4: Report to Boss2, manage a different...
View ArticlePersonal Finance (Not Investing) • Turbotax NEW LOW price on Amazon today
$45 for deluxe with state and $65 for Premier. Lowest price I have seenStatistics: Posted by GoldStar — Sat Jan 18, 2025 2:39 pm — Replies 7 — Views 804
View ArticlePersonal Finance (Not Investing) • First year of taking an RMD in 2028 plus...
Hello everyone. In 2028, my husband will turn 73 and will have to take his first required minimum distribution. After he takes that, we intend to continue doing Roth conversions. In addition, we will...
View ArticleInvesting - Theory, News & General • Do Vanguard index fund/ETF pairs...
Do they have the same tax load In terms of dividends/capital gain distributions?If you have $10k in one and $10k in the other, will their distributions be equivalent?Statistics: Posted by Helium — Sat...
View ArticlePersonal Investments • Transfer in Kind TIPS Valuation
Transferred Qty. 40 of TIPS 9128286N5 on 2/23/24 from TIRA to Roth IRA. My records showed a market value of $48,676, however when I received my 1099-R the transaction was valued at $40,012. I looked...
View ArticlePersonal Finance (Not Investing) • Help! Finance-phobic, need fee-based...
Hello—All hands, all hands! This is an urgent plea for advice from someone who is afraid of deep financial water and doesn’t even know what swimming is, let alone how to do it. While I can still poke...
View ArticlePersonal Finance (Not Investing) • Help with Solo 401k for S Corp
Seeking the guidance of the community because sadly you may be more knowledgeable than my CPA. Perhaps that means I need a new CPA but they all seem somewhat flawed. Anyway, I have a S Corp and I’m...
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Personal Investments • Best way to grow what little I have? (Starting solo at...
I would love some input. I feel I know enough to know that I don't know nearly enough! I think that I need to be aggressive in my investing, because I have little, and a little more of a little, is...
View ArticlePersonal Finance (Not Investing) • Form 7206--Deja Vu All Over Again
The latest update for TurboTax 2024 is saying that Form 7206 won't be ready for paper filing until 2/6 and cannot be e-filed ever.Didn't we go through this last year, and then TT found a way to allow...
View ArticlePersonal Finance (Not Investing) • 401k failed ADP (average deferral percentage)
Good afternoon,My company’s plan failed their average deferral percentage & as a result I am receiving a check back for $10k of my 2024 401k contribution. Is there anything I can do with this...
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Personal Investments • Bonds in 2022: are you scarred? (scaRRed, not scaRed)
As most of us know, 2022 was a highly and unusually bad year for bonds overall. I'm curious, do you therefore mostly dismiss it as an aberration? Or has it made you more leery of bonds to this or that...
View ArticleInvesting - Theory, News & General • "Experts Forecast Stock and...
This is a compilation of 8 firms' capital market assumptions (model-based midpoint return expectations for various asset classes):Experts Forecast Stock and Bond Returns: 2025 EditionInvestors, it’s...
View ArticleInvesting - Theory, News & General • Best way to advise about AUM hype?
I've had a couple of friends and a relative ask me for advice on a proposal pitched to them by an AUM advisor. I've tried to convey that their claims of consistently outperforming the market over time...
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Personal Investments • Saving for house. Considering parking cash in 10 year...
I am saving to buy a second house, which is an upgrade to our current house. Targeting $600k downpayment in 3-5 years.I can convert about $330k in equities to cash equivalent in the near future. I had...
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