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Personal Investments • Did I save too much in tax-deferred?
Remember the amount of LTCG stock or property you can donate is limited to 30% of your AGI per year. The rest would carryover to future years.Yes, thank you. I messed up my math in my example earlier...
View ArticlePersonal Finance (Not Investing) • 15 year old son getting learner's driving...
any words of wisdom from those who have been through this?We always kept our son on our policy with our umbrella policy until he graduated from college so that he would have good coverage up to the...
View ArticlePersonal Investments • Portfolio Review: Please help me consolidate funds...
I don't know why you would want to sell FXAIX as it is an index fund with a low expense ratio of 0.015%. Am I missing something here? You will be creating a taxable event and you want to make sure you...
View ArticlePersonal Finance (Not Investing) • ESPP taxation: is negative income possible...
ESPP plan with 15% discount. Guessing this one has a lookback period given how my purchase price was calculated?Price on Grant Date (1/1): $100Price on Purchase Date (3/31): $40Average price (entire...
View ArticlePersonal Investments • Clarifying question(s) re: backdoor Roth IRA
Are these steps correct/complete? I'm also curious about the minimal interest that ostensibly remains between the settlement in the traditional IRA and the transfer to the Roth IRA. A) Does...
View ArticlePersonal Finance (Not Investing) • Inherited IRA twice, 20 years younger,...
For mother's own IRA with 3 daughters as designated beneficiaries, the annual RMDs for 2024-2032 will be based on the respective ages of each beneficiary in 2024 from the following single life table....
View ArticlePersonal Investments • 10 Year Check In - Areas of Focus?
Maybe the hedge is to do 65% trad 401k and 35% Roth 401k. That way with a full Roth IRA my contributions are about 50/50 each year. Then at least regardless of which choice ended up being better I...
View ArticleInvesting - Theory, News & General • Fidelity IRA w/Limited Margin: can’t...
Was the MF and ETF part of the same or different fund family?Statistics: Posted by Eagle33 — Thu Dec 28, 2023 4:30 pm — Replies 5 — Views 361
View ArticlePersonal Investments • Vanguard Front end loads!
As others have said, this is not news. I’ve been a Vanguard client for 30 years and they’ve been charging purchase fees on certain funds for as long as I can remember.My partner and I also had solo...
View ArticlePersonal Consumer Issues • Anything special to see in Denver?
Since I've not yet seen it mentioned, if you and your children are outdoorsy (I'm assuming so due to RMNP being the main attraction) then consider visiting the REI flagship store in downtown Denver....
View ArticlePersonal Investments • VTWAX or VTSAX Next 30 Years?
Do you think you can honestly say the USA will continue to dominate stock market returns for 30+ more years? If yes, pick total US stock market fund. if no, pick total world.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Form 5500 traditional/Roth 401k filing.
Thank you very much.Yes, it’s one plan so add the two accounts together and report the combined #’s on one Form 5500-EZ for the plan/plan assets.E*TRADE’s system is a bit misleading in that it treats...
View ArticlePersonal Finance (Not Investing) • Distributing Dead Parents Personal Property
Bottom line, if you want someone to have something, give it to them while you're alive and not leave it up to someone else to carry it out for you. After a recent experience where we didn't get a...
View ArticlePersonal Consumer Issues • Robotics focused colleges (tier 2 + co op preferred)
Hello,My high schooler is a robotics fan. Part of a robotics team, enjoyed some summer programs (Arduino based custom robot building etc).Becoming clear that tier 1 won’t be our target schools....
View ArticlePersonal Consumer Issues • What are you listening to now
Holy cow! Phenomenal live version of Watermelon In Easter Hay:Frank Zappa - Watermelon In Easter Hay - Live 17 May 1988 In Palace De Deportes Barcelone. [Audio Upgrade]The video is grainy, but the...
View ArticlePersonal Investments • Forgot Something [Withhold taxes]
... I tend to take my RMD after a market rally. Didn't plan it that way, but it looks like that's what I ended up doing by waiting.Only downside is now my end of year balance is going to be higher and...
View ArticleInvesting - Theory, News & General • Overcoming behavioral pitfalls
In the United States, 20% is not a low savings rate.Statistics: Posted by GP813 — Thu Dec 28, 2023 4:37 pm — Replies 34 — Views 1312
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Investing - Theory, News & General • International (Non-US) versus US...
2) Someone that knows how to copy the 2023 version of the chart into this forum? (e.g. Google chart title to find the 2023 version)Here (just quote the post to grab the image tags/text):Except the...
View ArticlePersonal Finance (Not Investing) • Big News For Those On FEHB BCBS And Other...
I see a lot of opt outs here. I decided I'd try MPDP for one year and see, but now I'm wondering. The "benefits" according to BCBS are "lower out of pocket costs for higher cost drugs". I should have...
View ArticleInvesting - Theory, News & General • REGISTRATION FOR THE 2023 BOGLEHEAD...
Ended #345, still beat 9 of the "pros"Statistics: Posted by David Jay — Fri Dec 29, 2023 4:29 pm — Replies 650 — Views 31456
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