Personal Investments • Tax Efficiency - Funds Placement?
One caution is that you still need either money set aside for an emergency fund or a plan to access cash in an emergency (money locked up in a 401k is likely not a good fit).You are absolutely...
View ArticlePersonal Consumer Issues • suggestions for shrubs
Another thing is to go around your neighborhood and area to see what is growing well and that you like. You can even see if what you like is growing on the north side of a building since your...
View ArticlePersonal Investments • My portfolio consolidation plan - thoughts?
For the questions you asked:1. I'd say any S&P 500 is going to nearly identical from a practical standpoint. If you want to consolidate, it can make sense to rollover and just invest in any old...
View ArticlePersonal Finance (Not Investing) • Medical bill received 4.5 years after service
Is absolutely everyone, except bombcar, overlooking that this bill was probably being generated at the same time the COVID pandemic was declared?Remember when everything in our world came to a halt?...
View ArticleNon-US Investing • AUS investor seeking guidance on portfolio and FIRE
Do you think its a reasonable plan over the next year or two, to start gradually start to diverting funds new funds to VGAD and also some additional cash. (this way we don't trigger CGT by performing...
View ArticlePersonal Finance (Not Investing) • Pay Off Car Loan?
Be nice to the dealer and wait three months before paying it off. At that point it’s kind of a wash, so if everything else is good (retirement contributions, emergency fund, etc) you could pay it off...
View ArticlePersonal Finance (Not Investing) • How Many Bank Accounts Do You Have?
I don't want my executor to have to go through this, I'm tempted to close almost all my accounts. Serves me right with so many accounts.my condolences on the loss of your spouse.wanting to spare our...
View ArticlePersonal Consumer Issues • Does Facebook Marketplace Still Work For You?...
In the last 3 years I've sold items on FBMP from $20 (tile saw) to $11,500 (car), and haven't had any issues at all. I don't ship.Statistics: Posted by DmitryZ — Fri Jun 28, 2024 5:21 am — Replies 6 —...
View ArticlePersonal Consumer Issues • Button selection no longer works with Safari...
Have you tried another browser? I think I have 4-5 installed. Some don’t work well on various sites so I just use a different one. (You might want to edit your title to indicate this is a CITI...
View ArticlePersonal Finance (Not Investing) • Career Advice for a Young Professional
Keep pushing. Try to get partner. Take the 175kIf anything, you should have been pushing more in the last 7.5 years to get above 120k, but hindsight is hindsight. 28-35 is probably your best increase...
View ArticlePersonal Investments • Teaching grown children to invest...
OPI wonder if you'd like your daughter to make a powerpoint about your choices in life?"Hi dad, I made a powerpoint about your lack of exercise and how it will lower your life expectancy". "Hi dad, I...
View ArticleInvesting - Theory, News & General • Preparing for 2026 tax brackets
NIIT applies only to investment income.The dollar of Roth conversions that pushes your income to $250,001 results in a dollar of dividends being taxed an additional 3.8%, so your marginal tax rate is...
View ArticlePersonal Investments • Starting investing at 55 years old
I don't know if you have past jobs with participation in the Social Security system. If not, you need 40 quarters of paying Social Security tax (labeled FICA) to qualify for Social Security retirement...
View ArticlePersonal Investments • VFIAX Today
VFIAX paid a dividendI was expecting dividend 7/1. It did not post today.The dividend was deducted from the share price on the ex-dividend date, which was today (see the link in the first reply by...
View ArticleInvesting - Theory, News & General • What are you up YTD? [Year To Date]
Investment portfolio (70/30) - 2024 ytdWithout new contributions: 12.17%With new contributions: 16.91%BRStatistics: Posted by Investor_username — Sat Jun 29, 2024 4:56 am — Replies 5335 — Views 948657
View ArticlePersonal Finance (Not Investing) • $500k is all it takes to have a...
First, how many generations are we talking about? Two, three, ad infinitum?Math is one thing, reality is another. From the behavior of the heirs to factors beyond their control, generational wealth...
View ArticlePersonal Consumer Issues • What fun car should I get in the $150k - $200k range?
I'm saving up for a fleet of these.https://youtu.be/y99AfhDuE58"Street Legal Bumper Cars | RIDICULOUS RIDES""A FAMILY has become used to turning heads while driving their fleet of 10 bumper cars on...
View ArticlePersonal Finance (Not Investing) • Layoff Advice
Your post brought back a lot of memories. Ten years ago, I wrote a similar post (viewtopic.php?t=133050). Although not similar (single, older, less money, and house paid off), it was the best decision...
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Personal Finance (Not Investing) • No college choice really
But it's the truth. GT has, by far, the largest industrial engineering program, and has been #1 for 30 years in a row. No other school, for any other major, even comes close to that.There's graduates...
View ArticlePersonal Investments • Retiree IRA minimal tax
Affable at 50-I should have converted to Roth at earlier age, but was working hard on saving, paying debt, and selling rental property. I did accomplish paying debt off and avoiding as much tax as...
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