Personal Investments • Should I preemptively open a Roth IRA for spouse
Hello, my wife and I are in our early 60's and have been married for decades. She has not worked much and most of our savings is in my IRA and Roth IRA. I'm confused about the Roth IRA 5 year rules....
View ArticlePersonal Investments • Retroactive loss of eligibility for 457(b)
My wife is a researcher employee at a public university in CA, and she has been contributing a large fraction of her monthly paycheck into the university's 457(b) retirement plan. Earlier this year,...
View ArticlePersonal Finance (Not Investing) • IRA transfer and my RMD
I'm transferring my IRA from Vanguard to Fidelity. I am subject to RMDs and have already taken some distributions from Vanguard this year that would count toward my RMD. What happens with my RMD after...
View ArticlePersonal Investments • VBTLX Price in response to interest rate cuts
If I understand correctly, the price of VBTLX would be expected to rise roughly 6% in response to 1% interest rate cut. Is the price relationship truly this formulaic? E.g. in the absence of other Fed...
View ArticlePersonal Finance (Not Investing) • Buying Pre-Owned Certified Car
I am looking to but a used Acura MDX with around 30K miles driven. Would you recommend Acura pre-owned certified, Carvana or Carmax? How much can I negotiate a used certified car by - 1K/2k? Any tips...
View ArticlePersonal Investments • Time to start TLH?
A long story short. At mid-24 I'm sitting on a profit of approx. $158,000 mostly in ST options. I have an even larger C/O loss of about $180,000. Will my gain be absorbed by my loss or will some TLH...
View ArticlePersonal Investments • 401k or SIMPLE IRA for my small business?
I am a 55-year-old primary care physician. Two years ago I left the “system” (hospital employment) and started my own direct care (membership model, no insurance) practice and thank the Lord, it has...
View ArticlePersonal Finance (Not Investing) • Recommendations for a house wholesaler in...
I am the trustee of the trust that owns my parents' house where I grew up. The last of my my parents died in February 2024. The house has many years of deferred maintenance, and had loads of stuff and...
View ArticlePersonal Finance (Not Investing) • Can the IRS be negotiated with?
Is there a way to avoid or delay paying the tax liability when selling stocks that have greatly appreciated? XYZ stock could double in price but not have gone up in REAL value at all if inflation has...
View ArticlePersonal Consumer Issues • Function over form
Function over form. I thought about this and how many new products perform the same function of something I already own so I don’t really need the same function serving product in a new and more...
View ArticlePersonal Finance (Not Investing) • Credit card fraud twice in two months
There are are other posts on this topic, but...My Citi Costco card has had fraudulent charges show up twice in two months. I originally assumed it was from the local McDonald's (the only place the...
View ArticleNon-US Investing • Non resident alien - converting IRA to Roth IRA
Indian citizen and resident here.I have a traditional IRA as well as a Roth IRA account with Vanguard.If I convert the former and add to the latter, will I be taxed in USA and will such tax be...
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Personal Finance (Not Investing) • Duplex joint purchase - rental vs owner...
We are contemplating purchasing a duplex in a HCOL area. Our 65% cash down, youngster (YA) 5% cash down and YA will take a mortgage for the remaining 30%. Numbers are approximate; our cash down will...
View ArticlePersonal Investments • TIPS in NewRetirement tool
I am trying to figure out how to handle TIPS in NewRetirement. Currently I have subtracted the amount I paid for TIPS from my 401k account and then added TIPS as a passive income for X number of...
View ArticlePersonal Consumer Issues • I went to Costco for tire rotation and they told...
Last August I got a new set of tires at Costco and today I went to do rotation. At the end of work, I was told one front stud has PTS damage and they could not put the lug nut back on. They said my...
View ArticlePersonal Investments • Backdoor Roth IRA Pro-Rata rule
In January, I executed a Backdoor Roth IRA with a $7,000 contribution. At that time, my Traditional IRA had a balance of $0. In March, I rolled over a Traditional 401(k) into my Traditional IRA,...
View ArticlePersonal Consumer Issues • Sheraton Maui vs. Sheraton Kauai Coconut Beach
Hi all,I am looking to take my family (40, 40, 12, 8) to Hawaii for five nights in April 2025. My wife and I have been to Oahu and Maui. My kids have been to Maui. I have Marriott free nights and...
View ArticlePersonal Investments • After-tax 401(k) with some limitations
My wife has an after-tax option available in her 401(k) at work, and we can put about $24,000 annually into it with the intention of making in-service withdrawals to a Roth IRA. There are a couple...
View ArticlePersonal Finance (Not Investing) • 35yo Checking In
Hi Everyone,I have always appreciated the knowledge and advice I have learned in this forums so I am looking for some guidance.For reference, I had been tracking our progress in an earlier thread a...
View ArticlePersonal Investments • Portfolio Review
Looking to see if anyone can review our accounts for any suggestions. Married, late 30's, and have been saving without really setting an asset allocation directly but we would be fine with 90-100%...
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