Personal Investments • Federal Home Loan Baser GSE Agency Bonds - Where to...
As part of my GSE Agency Bonds ladder investigations, it seems that neither Fidelity nor Schwab offer New Issues of the following specific Bonds: Federal Home Loan Baser. They offer plenty of Federal...
View ArticlePersonal Finance (Not Investing) • CPA recommendation for SF Bay Area
Hi All -Well, we managed to power through the 2023 tax year, but we need a new, reliable and experienced CPA who practices in the San Francisco Bay Area. We are seriously easy to work with and nice...
View ArticlePersonal Finance (Not Investing) • Term life insurance with significant...
I'm posting here on behalf of a couple I know who are interested in purchasing term life insurance. Both people in the couple have had some significant health challenges. English is not their first...
View ArticleNon-US Investing • Five years of FIRE but still One More Year
We declared "FIRE" five years ago. I have stayed engaged in my profession though because it's also my life-long hobby. I always planned to do some commercial projects now and then for pocket-money and...
View ArticlePersonal Finance (Not Investing) • Unrecorded (paid) expenses in 1-member...
My husband and I each have 1 member s-corps and one or both of us is always 11th hour filing returns--we're ALWAYS filing corporate 9/15 and our personal 10/15.An unexpectedly high K-1 from my...
View ArticlePersonal Investments • Options for old 401k - Fees and Backdoor Roth
I have been a stay-out-home parent for 2 years now and have an old 401k that has 340k in it and growing. The account is with Fidelity and the index fund that the money is in has a low 0.015% ER....
View ArticlePersonal Investments • Logistical question on 457bs
I posted here last week asking for a checkup on my financial situation and got some great advice, which I am starting to implement slowly. One user mentioned looking into whether my school district...
View ArticlePersonal Investments • Retain vs. Liquidate
hello allI hope you're doing well. I'm seeking some guidance on a financial decision involving my investment property and primary mortgage, and I would greatly appreciate your expert advice.Here's my...
View ArticlePersonal Investments • Reduce position & rebalance OR long put
Hi All - I manage a trust for my adult kids. I have a long position in stock X with capital gains of 40%. However, I would like to reduce my exposure to stock X by half. (I know that many of you might...
View ArticlePersonal Finance (Not Investing) • Paying Estimated Taxes Directly from...
Can you pay estimated taxes via web-pay directly from Vanguard's settlement fund? I called Vanguard and they said no. I'd have to transfer from Vanguard to an outside bank and then web-pay from the...
View ArticlePersonal Finance (Not Investing) • Backdoor ROTH or wait - Unsure of MAGI for...
Hi All :I want to contribute to ROTH. My 2024 MAGI will be in the range of $210K - $250K (due to a bonus component that will be finalized only by Nov'24). My options are doing a backdoor Roth IRA...
View ArticlePersonal Investments • Roth or not?
I'll be 59 years old soon and clueless about investing.I recently cancelled my financial advisor of less than 1 year (1.22% fee) and now have the following Target Funds...$447,000 in FXIFX (0.12...
View ArticlePersonal Finance (Not Investing) • Cash payment for home repairs for step up...
My husband has been paying cash to contractors for discounts on home repairs over the past few years. The contractors won't issue invoices for these payments (we've not had any issues with the...
View ArticlePersonal Finance (Not Investing) • 2024 Medicare Report Part B Projections
This may have already been mentioned elsewhere, but attached is a report with interesting projections going out to 2033 for regular Part B premiums and IRMAA. Of particular note are pages...
View ArticlePersonal Investments • Ally bank would not allow me to take monthly interest...
Ally bank would not allow me to take monthly interest from my CD IRA and move to ANOTHER ALLY savings IRA. I have a 12 month CD @ 4.5% and want to transfer montly interest to my savings IRA so I don't...
View ArticlePersonal Finance (Not Investing) • How to estimate quarterly taxes for LLC
My wife has a small single person LLC (got rid of the S-Corp!) and we will be filing quarterly taxes for the first time this week.I want to make sure I understand how to calculate them:- Take receipts...
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Investing - Theory, News & General • Should you hedge your SPIA with a...
Perhaps the thread ought to have been titled, instead:Should you hedge your TIPS ladder with an SPIA?Arguably, the TIPS ladder is the more foundational product, and the life annuity is the more...
View ArticlePersonal Finance (Not Investing) • Weird unclaimed asset from the state
My state sent an unclaimed asset notice of several hundred dollars. The source was from my wife’s current employer. My wife thought they were reimbursement that didn’t get paid out.I am confused. If...
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Personal Consumer Issues • Time vs. Money
I’m in Kyoto, sipping on coffee in the hotel lobby.Contemplating life as my family awakes and we set off for a day trip to Osaka!Asia has a way to help us slow down and breathe.A friend texted that...
View ArticlePersonal Finance (Not Investing) • Fidelity private client group - how to enter?
A Fidelity rep via chat told me a person needs $1M with Fidelity to become part of Fidelity Private Client Group (upgrade from Fidelity Premium Services). I have just over $1M with Fidelity now, my...
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