Personal Investments • Rebalancing and Tax Implications
Hey guys,Wanted to get your thoughts on rebalancing and tax implications… When I rebalance my accounts to my target asset allocation, I’ll take into account the tax implications and try to minimize...
View ArticlePersonal Finance (Not Investing) • getting a gift over IRS limit
My generous mother is going to gift me (and my brothers) 50K in Berkshire Hathaway stock. The shares are going to be transferred to me directly. This is going to be in one go, and it's over the annual...
View ArticlePersonal Finance (Not Investing) • whole life - cash out or still hold as...
Have a small NW Mutual whole life policy that was originally paired with a term policy. I've let the Term policy lapse - no longer needed the coverage. I now look at the Whole Life as just an annual...
View ArticlePersonal Investments • Making the Pivot to Current Income Portfolio
Forum newbie here so will do my best to provide context for the question I have... Which essentially is how to make the pivot or shift in our portfolio strategy away from Growth/Balanced to a strategy...
View ArticlePersonal Investments • Beginner investor
I am a beginner investor and am looking for advice on where to invest my funds. I am only interested in investing in equities. Right now I am investing monthly in the Vanguard S&P 500 Fund but I...
View ArticlePersonal Investments • Vanguard Personal Advisor-new service?
I have had Vanguard Personal Advisor services (I think this was the name) and received an email that I need to transition now to Vanguard Personal Advisor in order to avoid a transition fee later. It...
View ArticlePersonal Finance (Not Investing) • Does naming beneficiaries keep assets out...
My Vanguard brokerage account is in my name only, with my wife as the primary beneficiary and our son as the secondary beneficiary. And same with my IRA & Roth. Does a named beneficiary keep these...
View ArticlePersonal Investments • Reco for an article: Japan's economic crash in the 1990s
Hi All,I have been wondering if what happened to the Japanese stock market in the 1990s, from which it has apparently not yet recovered, could happen to the US stock market? Is there an article/s that...
View ArticlePersonal Consumer Issues • Capital One lawsuit re: online tracking and how...
The privacy implications of online tracking are pretty well documented, but at least for me, there's more confusion about the financial security implications.A class-action lawsuit against Capital One...
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Personal Consumer Issues • Cataracts and Lenses: Insurance coverage and...
Age: (70s) My vision has degraded over time to the point where the world is blurry and cloudy, like looking through dirty window glass. Recent diagnosis: advanced cataracts and "cloudy" eyeball...
View ArticlePersonal Finance (Not Investing) • 529 Questions
I am trying to read through all of the post, let me see if I gotten everything correct.529 can have a owner and a beneficiary. The owner controls the plan while the money goes to the beneficiary. It's...
View ArticlePersonal Investments • Going From CD to Balance Funds
Background on me. Soon to be 75 years old with a pension and SS that exceed my expenses. I have a portfolio currently consisting of 50% equities; 25% bonds and 25% cash. My Vanguard brokerage and Roth...
View ArticlePersonal Investments • Is it time to roll my 401K into an IRA?
Hello,I wrote a post several years ago about rolling my 401K to an IRA. The consensus at the time seemed to be that if the plan has good, low cost investment options, I should keep the funds in the...
View ArticleInvesting - Theory, News & General • Barrons: Jack Bogle was right about...
The article argues that ETF index fund investors underperform mutual fund investors by nearly 1% and places much of the blame on advisors. https://www.barrons.com/articles/jack-b ... LEADSUPP_1While...
View ArticlePersonal Investments • Questions about opening Solo 401k at Schwab for...
I am one of the 99% who got catfished into Ascensus with my Solo 401k. Before they start with the charges, and for other reasons, I want to get it moved over elsewhere. The employer side is...
View ArticlePersonal Investments • Reinvesting Dividends and Interest after Retirement
Hi, I recently retired and have started drawing from my IRA and 401K plans. I was wondering about the wisdom of continuing to reinvest dividends and interest from the various funds or simply...
View ArticlePersonal Consumer Issues • Costco online eyeglass frames
I recently discovered that Costco now sells some eyeglass frames online. You can also order single vision lenses, but not the progressives (which is what I need).Does anyone happen to know the...
View ArticlePersonal Investments • TIPS and CPI
I have never bought a TIPS fund before, but I do understand the basics of how it works. This morning CPI was reported for August. The inflation adjustment for TIPS is tied to the CPI. I see that the...
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Investing - Theory, News & General • Reading Material
Can anybody point me to a great book on the dynamics of the stock market? What drives the ebb and flow of the trading day?..and any other must-read for the newb who wants to understand the...
View ArticlePersonal Investments • Wash Sale Confusion
I have WBD shares from the ATT spinoff in 2022 that I am looking to sell. I have 7 individual lots, Fidelity is showing the lot from the day of the spinoff as a wash sale. A partial share was sold...
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