Personal Investments • What's the best way to invest $15k for kids (not 529)?
First, I'd invest more in the 529 accounts.But if you are not going to put it in 529 accounts, then open a UTMA brokerage account for each child at Vanguard or Fidelity. Research if your state gives...
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Personal Investments • Need to Simplify - Portfolio Review
Welcome to the forum. What cash allocation, if any, do you want?Exactly what cash are you thinking about deploying?MegaBackdoor Roth always makes sense as opposed to putting money into taxable. Does...
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Personal Investments • Tools: Projection Lab vs NewRetirement vs ?
I know there is a stack of these tools and there is a risk that we over engineer the future - checking the mirror here I get that nothing makes up for the unknowable future. Having said that, these...
View ArticlePersonal Consumer Issues • Brand new Subaru needs new transmission
Not quite as new as yours, but I just went through having the transmission replaced with a remanufactured one on my RDX at around 9000 miles. Seems to be driving OK so far. The standard powertrain...
View ArticlePersonal Consumer Issues • Tesla in Cold Weather
When I charge at home to 90% my battery gauge gives me an estimated 320 miles. Obviously when cold this is dramatically reduced (I also drive fast, which is clearly a factor.) On cold days I seem to...
View ArticlePersonal Consumer Issues • Favorite Easy Meal?
What's your favorite easy meal? one that takes very little time to pull together and maybe doesn't involve take out or frozen from the store?Particularly interested in meals for one, since...
View ArticlePersonal Investments • Max Tax Benefit for Charitable Donation
Thanks a million for advice to keep kids out of it. Agreed wholeheartedly.I may have missed something.... I would agree that gifting your kids money and having them turn around and donate to your DAF...
View ArticlePersonal Finance (Not Investing) • No-state-income-tax states are not good...
Despite all of this, CA residents still pay the third highest taxes per capita in the country. Here's the rundown:For FY 2021, the District of Columbia surpassed all states with $13,278 in per capita...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
I don't think you're grokking what I'm suggesting.If you have only VXUS in WellsTrade, how do you accomplish a partial ACATS out without being forced to sell anything? You can add some more cash to...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Does anyone know if you can combine two separate IRAs (mine and my spouse's) to qualify for platinum honors when we already have a joint checking with BofA? I realize we can't combine the IRAs...
View ArticlePersonal Consumer Issues • Another Amazon Prime Stage of Evolution - Delivery
I sometimes am offered same day shipping free.But almost always 1-2 days is an option, or discounts if you are willing to wait longer.Most important, Prime costs me nothing. If you get an Amazon cc,...
View ArticlePersonal Investments • Fidelity Rewards Visa 2% to 529?
Sorry for resurrecting this but I was curious to know: if I contribute these rewards to my HSA, technically these would be considered 'pre-tax' contributions right? So if I wanted to contribute...
View ArticlePersonal Consumer Issues • If you love outdoors/hiking, what do you do in the...
I have been stuck indoors for a few days now and trying to see alternatives that other people do when it is cold outside.We have been considering moving to a better weather area of the country but we...
View ArticlePersonal Consumer Issues • Are car washes necessary?
You’re on borrowed time with a 2006 so I wouldn’t worry about it.Yup, for your 2006 it’s a complete waste of time.Statistics: Posted by angelescrest — Sun Jan 21, 2024 11:37 pm — Replies 103 — Views...
View ArticlePersonal Finance (Not Investing) • Amend a Living Trust or just add a...
The trust divides assets the way John and Mary want to. It's not my business to tell them how to split things up. The trust specifies which asset goes to which beneficiary, and they want the savings...
View ArticlePersonal Finance (Not Investing) • How to get the best rate and closing costs...
Property tax for a $600k condo in Chicago will be around $12k per year and HOA will be $350-$500 per monthStatistics: Posted by toyotafan_463 — Sun Jan 21, 2024 11:39 pm — Replies 6 — Views 262
View ArticlePersonal Consumer Issues • Recommendation for 100% cotton men's undershirt?
I am still happy with Jockey crewneck shirts I buy direct from Jockey. The classic line is 100% cotton and they always have sales on multipacks. They are a bit heavier so if you are looking for a...
View ArticlePersonal Finance (Not Investing) • College counselor/consultant
We have hired a private college counselor for our daughter. She goes to a huge public high school and the school counselors there are tasked with academic and student mental health counseling in...
View ArticleInvesting - Theory, News & General • What happened in 2012 that US stocks...
The sovereign debt crisis kicked off in late '09 early '10, just as the US was exiting our recession. 4 _years_ of negotiations and masochistic austerity programs followed. Meanwhile the US had fully...
View ArticlePersonal Finance (Not Investing) • Psychological Aversion to Decumulation Phase
Catchinup,Your aversion is normal in my circle of family and friends, including myself.You are wise to name it and ask for feedback.Without knowing your financial statement (especially debt service),...
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