Personal Investments • funds / shareholder voting
I have a notice to vote on some Board of Trustees for the Fidelity ZERO funds. Is there really a great way to get to know who these people are and make an informed decision? Do you folks feel this...
View ArticlePersonal Finance (Not Investing) • Auto Insurance Situation - non-Renewal
Good afternoon,I have a situation where I insure 5 drivers (3 of which are college students). While we have all maintained very clean driving records, the past 10 months have proven to be an issue....
View ArticlePersonal Investments • Creating Three-fund Portfolio at TIAA
Hello and thank you for the help!I have limited options in a 403b that was just moved from Fidelity to TIAA by the university I work for. I am correcting what they've done by reallocating to the funds...
View ArticlePersonal Investments • Schwab rep hounding me
With the help of some knowledgeable Bogleheads and much research, I was recently able to rework my personal portfolio and incorporate some inherited accounts to match my risk tolerance and asset...
View ArticlePersonal Finance (Not Investing) • Estate Planning with minors
Couple has a testamentary will. Is it better to name the contingent beneficiaries as the minor children, the estate, or testamentary trust? Some investment custodians set up a custodial account with a...
View ArticleInvesting - Theory, News & General • Stop Fidelity Rep from selling...
After decades at Vanguard moved everything to Fidelity with a local Office & a free Rep.We have a long time DIY 3 index Vanguard ETF sizable portfolio & had told him at initial meeting &...
View ArticlePersonal Investments • Roth vs. Traditional 401K contributions in a big...
Hi All!Seeking advice from the collective hive. I am 37 and work in sales which can lead to some positive volatility in good years. This year I am likely to earn double my target/"on plan" commission...
View ArticlePersonal Consumer Issues • Unsolicited "real estate" cellphone calls
Hi, I have this situation. A few months ago I started receiving daily unsolicited calls regarding a rental I have. It started a few months back after I had the rental on the market for a few days.The...
View ArticleInvesting - Theory, News & General • mortgages as negative bonds
I know this is a common topic and I've read through some of the other posts, but I still feel I don't fully understand the concept. I get the argument for how it is the opposite of a bond, but when I...
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Personal Finance (Not Investing) • Name Trust Accounts vs. Trust as Beneficiary
We updated our trust and the attorney is recommending that we re-title our brokerage, employee stock accounts, bank accounts into "Smith Revocable Trust". The property deeds have also been filed with...
View ArticlePersonal Consumer Issues • TreasuryDirect down?
Anyone else having issues?Statistics: Posted by VOOme — Wed May 22, 2024 12:17 pm — Replies 6 — Views 430
View ArticlePersonal Finance (Not Investing) • Max employEE contribution to Solo 401k if...
I’m terminating my calendar year Vanguard solo 401k plan in July. Don’t want to move it to Ascensus, and am winding down the income for that in 2025. I’ll have ~$50k in net income between 1-1-24 and...
View ArticlePersonal Investments • TIPS Ladder tool "pre-ladder interest"
Many thanks for all the information and helpful tools associated with this forum. In particular with this question, I'm very appreciative of the tool tipsladder.com and the many discussions regarding...
View ArticlePersonal Investments • T bills interest
If I hold T bills to full maturity, am I taxed as capital gains? How are T bills taxed? I understand they are only taxed at Fed level but am not sure of %. Is the interest taxed at my general tax...
View ArticlePersonal Investments • Merrill Edge Cash Management
For those who use Merrill Edge money market accounts it looks like the only option is to automatically reinvest the interest every month. However, I noticed that the amount reinvested has to be only...
View ArticlePersonal Consumer Issues • Thoughts on Google Career Certificates?
Long story short, I'm a systems analyst (I lean more technical than functional, but comfortable on both sides) that managed to pigeonhole myself into a position that's too specialized, too limited in...
View ArticlePersonal Consumer Issues • Cooperative ("co-op") apartment -...
So, for people knowledgeable about living, and owning, a co-op apartment, my understanding is the general rule of thumb is that the owner is responsible for stuff 'inside the four walls' and the co-op...
View ArticlePersonal Investments • Portfolio Recommendations, Starting Over
If interested in the backstory here is a link to my first question: viewtopic.php?t=432255Subject: I have since cleaned house on my accounts, and came up with an acceptable (to me) asset allocation....
View ArticleInvesting - Theory, News & General • Marcus Invest Moving to Betterment
Got an email today from Marcus (Goldman's consumer arm) telling me that they're shutting down Marcus Invest and moving all accounts to Betterment in June. You can opt out by liquidating your account....
View ArticlePersonal Consumer Issues • Dehumidifier extended warranty from Amazon. Wow!
I've long been frustrated that the dehumidifiers I purchase for my basement last on 2 years (Ok, sometimes 3)so that in August 2022 I decided to purchase Amazon's 4 year extended warranty.As expected...
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