Personal Investments • Portfolio Review & Questions
Emergency Funds: 1 yearDebt: Mortgage = $140,000 at 5%Tax Filing Status: SingleTax Rate: 22% Federal, 3.07% StateState of Residence: PAAge: 53Desired Asset allocation: 70% stocks / 30% bondsDesired...
View ArticleInvesting - Theory, News & General • Short term, non-taxable - anything...
Assuming one likes the yields of T-Bills and that's the *base* case. (i.e. Barring something superior, would invest in 1-6 month T-Bills).T-Bills offer many good features, including super-liquidity...
View ArticlePersonal Finance (Not Investing) • Broker charging account closure fee
I'm moving my account from ETrade to Vanguard and it looks like they want to charge me an account closure fee (based on the vague email I received). How does this account closure fee get paid? Is it...
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Personal Investments • 26 y.o. needs portfolio check up!
Hello All; thanks in advance for your advice and critique. I'll listen with an open mind!Rollover IRA66% FXAIX - Fidelity 500 Index Fund44% FSCRX - Fidelity Small Cap Discovery Roth IRA77% FXAIX -...
View ArticlePersonal Finance (Not Investing) • Potential Layoff - what actions to take?
My company just announced potential layoffs. What all would you consider doing at this time? What actions would you take? I like my company and very much want to stay working where I am if possible. I...
View ArticlePersonal Finance (Not Investing) • IRS tax transcript and rounding question
My tax software tells me to use this rule for rounding: "To round, drop amounts under 50 cents and increase amounts from 50 to 99 cents to the next dollar. For example, $1.39 becomes $1 and $2.50...
View ArticleInvesting - Theory, News & General • It's difficult to beat the index...
Don't know if this is interesting...I just read about an active fund investing in the US, that has had lower returns than index since start. All because of one mistake this year: they didn't include...
View ArticlePersonal Consumer Issues • Mexico immegration eTicket requirement?
Hi, everyone.My wife and I have been to Mexico several times, so we know generally how to get through the Cancun airport without too much trouble, but it has been 4 or 5 years since we have been, and...
View ArticlePersonal Investments • 529 account questions and investing strategies
Hi, I'm 40, I live in California (Bay area, HCOL), got married last year, and we are expecting a baby this January, 4 months away.Total net worth is ~2.8M. Roughly 700K of NW is in pre-tax 401k, Mega...
View ArticlePersonal Investments • For those retired, what's your plan for non-stock part...
I don't have a plan on this increasingly likely scenario, and wondering what I might do...Looking for ideas, really. Currently 50% in stock and 50% in various cash equivalents/treasuries and CDs of...
View ArticlePersonal Investments • Which professional for 529 Secure 2.0 strategy?
Good morning-Briefly, I am looking for some guidance on strategizing the next phase of my family's lives as college is approaching.I have a few questions about 529 plans, particularly with the new...
View ArticlePersonal Investments • Healthcare/Premium Credits, Social Security,...
I have somewhat of an uncommon situation, with one spouse at retirement age, second 11 years younger and a minor child. Planning to retire Dec 31, 2025.We are trying to line all our ducks in a row and...
View ArticlePersonal Finance (Not Investing) • What is your opinion on using Progressive...
I’m considering switching from GEICO to Progressive. Customer service is important to me, so it is not just about price. GEICO customer service has been excellent. What is your opinion or experience...
View ArticlePersonal Investments • Tax treatment of bullet bond ETF
Hi all:I can't seem to figure out the answer to this question, so wondering if anyone knows from experience...Last summer (>1 year ago), I purchased a few iShares bond ETFs with specific maturities...
View ArticlePersonal Investments • Treasure note coupon
On Vanguard, I expect one coupon payment of 91282CKB6 (02/28/26-02/29/24) on Aug 31st, 2024, but I didn't see it on Vanguard under "all activity transactions".Should it be deposited into my settlement...
View ArticleNon-US Investing • Tax optimization and moving funds around
Hello!I am a tax resident in Portugal (NHR status), and own a company in a politically unstable country.Almost all of my funds are in invested in ETFs through the company and via local banks and...
View ArticlePersonal Investments • US treasury vs Money Market fund
The basic research I have done tells me that US treasury are state tax exempted where as MMF is federal and state tax non exempted. Right now it looks like the treasury and MMF proiving the same...
View ArticlePersonal Finance (Not Investing) • Maxing out solo 401(k) while keeping 100%...
Hypothetical for 2024 tax year:Taxpayer is a sole proprietor, over 50 years old and has Schedule C net profit of $60,000.Taxpayer has a self-employed health insurance deduction of $26,000.Taxpayer...
View ArticlePersonal Finance (Not Investing) • What information is made public during...
Privacy is often cited as a reason for preferring beneficiary designations and/or living trusts over wills, but I have not been able to find a concrete list of what actual information is exposed...
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Investing - Theory, News & General • Merrill Edge: new options for share...
FYI, for those that use Merrill Edge as a brokerage. Today I noticed some welcome new options for selecting shares when selling in a taxable account. I haven't seen any announcement but noticed the...
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