Personal Consumer Issues • Pros and Cons of "Do Not Resuscitate"
does anyone (other than me) worry that if you are an organ donor, the DNR might be triggered a bit too hastily?Statistics: Posted by rule of law guy — Tue Dec 26, 2023 3:55 pm — Replies 196 — Views...
View ArticlePersonal Investments • Selecting Funds in Employer Provided SIMPLE IRA (Help)
interesting that Schwab now makes this available. I don't think it was in the past...but could be wrong. Glad things are moving along. You have been much luckier/more effective so far than...
View ArticlePersonal Investments • How Safe Is Fidelity Treasury Money Market?
MMFs are "safe", if safe means very likely to not lose nominal value.I'd rather have my EF indexed to inflation, so the EF will never lose any spending power (as defined by the CPI)... safety in...
View ArticlePersonal Investments • I am stuck with Fidelity Zero in brokage account with...
Isn't the annual max for stock losses $3k and the rest rolls over?Yes, $3k net of all gains/lossesStatistics: Posted by nura — Tue Dec 26, 2023 3:57 pm — Replies 46 — Views 5973
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Personal Investments • Do I need to do anything about this wash sale?
Season's greetings! I had an unintentional wash sale in my Fidelity taxable account about 1-2 months ago.Do I need to do anything about it, considering that, shortly since that wash sale and overall,...
View ArticleInvesting - Theory, News & General • [Vanguard Class Action Lawsuit Over...
Both are bad but in the Fidelity case a least they treated all shareholders equally badly. In the Vanguard case they burned the little guy to pander to their big multi-million dollar clients. Works...
View ArticleInvesting - Theory, News & General • Best book to convince someone...
A Random Walk Down Wall Street by Burton Malkiel.Oh yeah, that's a good idea.Statistics: Posted by gt4715b — Tue Dec 26, 2023 3:58 pm — Replies 3 — Views 128
View ArticlePersonal Investments • Greedy/Stupid [Retiree Asset Allocation]
Hi all. I just retired and was wondering about my allocation. I tend to favor the odds and take out emotion. We're both 57. No debt. We have about 45x our current yearly withdrawal of 3% in our...
View ArticleInvesting - Theory, News & General • Rich Author, Poor Readers - Ben Carlson
You've got a beef with IQ and want to argue for the value of character. That's fine. But I think you have changed the grounds of the discussion we are having. I said "the financial system is wholly...
View ArticlePersonal Finance (Not Investing) • Roth 401K and Estate tax minimization for...
...Assumptions I'm making:We will live to our IRS life expectancy. (When in doubt, take the expected value). Our kids will be in at least the 32% federal bracket, so the effective tax rate on the...
View ArticlePersonal Consumer Issues • Book recommendations for emotional control
Not a book - but the children's show Bluey shows good parenting skills and how children learn to handle their own emotions. There are episodes where the parents are reminded of how to find joy in...
View ArticlePersonal Investments • First Time Backdoor Roth - Double Check Please
Hi Everyone: I'm about to execute my first Backdoor Roth conversion after ~10 years of nondeductible contributions and just wanted to sanity check my understanding with the group before pushing the...
View ArticlePersonal Investments • How Are We Doing?
Code: You are doing great.A simple three fund portfolio is easy to manage and tax efficient. That way you can select whatever asset allocation that you want. A target date fund is fine, but might have...
View ArticlePersonal Investments • CPA tells me not to rebalance
What would you be rebalancing towards, eg, buying more fixed income, international? If you have a tax deferred account, you can sell US stocks there and buy whatever is under-allocated. Have you...
View ArticlePersonal Consumer Issues • How much to spend on single vacation?
Too much can be subjective but if you want it to be objective, you need to provide more information. Would you be required to sacrifice a "need" or go into debt in order to fund the vacation? My...
View ArticlePersonal Consumer Issues • is finishing a garage floor recommended? sealing,...
I did the epoxy myself and put the sprinkles on. It looked terrific. I had to use some pretty harsh chemicals to clean it first (remove oil and grease). I did rinse the part under the cars a few times...
View ArticleInvesting - Theory, News & General • How Do You Like My New 'Doo
I have thought about including a safety bucket in my plan, holding 3 years of withdrawals in short term bonds to give the portfolio time to recover after a bear market. Three years is insufficient to...
View ArticlePersonal Investments • Raymond Janes Roth IRA
As far as I know, Raymond James does not "host" accounts like a Roth IRA without charging you some kind of assets under management fee (AUM - a percentage of how much you invest with them). Are you...
View ArticlePersonal Finance (Not Investing) • TurboTax 2023 offer
Instant $10 credit, no card in the mail this year.I am still expecting a mailed physical gift card. Where are you seeing an instant credit, and did you go with the CD version or the download version?I...
View ArticlePersonal Investments • Planning 2024 IRA Contributions - Traditional or...
It might be simplest for both of you to do Roth contributions in 2024 & then switch to backdoor Roth in 2025. If your wife makes a deductible TIRA contribution in 2024, & invests the money,...
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