Personal Investments • Are we a good fit for Vanguard Personal Advisor, at...
An advisor is an option, although I think you could set up a portfolio that takes only minutes/year to manage. I wouldn't use Vanguard, however. I'd recommend PlanVision instead... cheaper and perhaps...
View ArticleInvesting - Theory, News & General • TIAA-CREF funds to be re-named...
Do you know of a real example of such a 1-time irreversible election or is it theoretical?Because you asked, I'll point out that my Bargaining Unit decided to ask for a 403(b) around 1999. We had to...
View ArticlePersonal Finance (Not Investing) • valuing a house / life estate for gift tax...
The gift is the entire value of the property. The retained life estate is disregarded. Internal Revenue Code Section 2702.Statistics: Posted by bsteiner — Tue Feb 20, 2024 4:45 am — Replies 2 — Views...
View ArticlePersonal Investments • Portfolio checkup - age 47/43
Are your annual retirement contributions $84k, $140k or something in between? Is the portion of the $56k attributable to ESPP true incremental savings?For example (assuming $50k is ESPP), are you...
View ArticlePersonal Investments • Ibonds - 0% Fixed rate Vintage - dispose or hold?
I have a similar question, but iny case I'm in a high tax bracket. So it's it worth it to sell my 0% I bonds and buy new ones to get s better rate when I'll be paying taxes on the interest from the...
View ArticleInvesting - Theory, News & General • Meredith Whitney makes a bold...
Whitney isn’t suggesting property prices will suddenly plunge across the U.S. within the next couple of years, but she does believe some markets will be better for buyers, while others will benefit...
View ArticlePersonal Investments • Help me understand my Fidelity 401(k) plan fees
I never wanted to roll over IRA assets into a 401k because I didn’t want to pay the fees or be limited to the 401k investment options. I am sure your HR department can help you getting the fee...
View ArticlePersonal Consumer Issues • Sound bar
A soundbar will be much better than any tv speakers. A sound bar is still not better than a real home theatre system like a 3.1 or 5.1 in terms of separation and head space. And no, I would not place...
View ArticlePersonal Finance (Not Investing) • Safety of ACH for recurring payments
I pay for gym membership from s-corp using a business credit card. It is autopay on the 1st of the month. Now gym wants to start charging 3% credit card fee. This fee can be avoided by setting up an...
View ArticlePersonal Finance (Not Investing) • Capital One [is/is considering] buying...
I have accounts at both, so I this will simplify my life a bit, if it goes through. Discover has made a better impression on me than Capital One, but I cannot point to any hard data that supports...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
Why have uninvested $ in an IRA? Unless you're intentionally putting a cash allocation there?One reason would be if you are keeping some of your emergency fund in a Roth.Wouldn't make a whole lot of...
View ArticlePersonal Consumer Issues • How to get my road paved
A very local issue/situation where others will not be able to offer any reasonable insight.Nobody has ever had problems with their roads before? Maybe someone has experience in local government. This...
View ArticlePersonal Finance (Not Investing) • Per stirpes and Vanguard (one more time)
...What I want to do is to name a beneficiary, Joe Blow, for instance, and have his portion go to his heirs per stirpes if he predeceases me. I want to designate him "Joe Blow per stirpes". ...What...
View ArticlePersonal Investments • Need help to retire in 5 years.
Congratulations, your portfolio has grown to $800k from $210k per your post from 2-1/2 years ago!Does your desired annual retirement spend of $100-$110k include income taxes? You should be using an...
View ArticlePersonal Investments • Need permission to stop saving and coast, please:)
Thank you all so much for your thoughts! This has certainly made me more aware of the need to budget and prioritize more closely. Based on your comments, thank you again, I will look for a more...
View ArticlePersonal Investments • How to invest $1M
VTSAX or VTI. see a simple path to wealth by jl collinsStatistics: Posted by westpac — Wed Feb 21, 2024 4:47 am — Replies 8 — Views 1359
View ArticlePersonal Investments • Super beginner question about my current work...
I was just introduced to bogleheads and I'm trying to get started with investments. I'm going through the startup kit wiki, but I've also had multiple people tell me that the biggest hurdle to just...
View ArticlePersonal Investments • Portfolio checkup - did I hit the FI yet?
Your income is $940k from which you are saving $446k and spending $180k. That means your income/payroll taxes are $314k - is that correct and tie to your year-end paystubs + Form 1040 tax liability +...
View ArticlePersonal Consumer Issues • Tub to Shower Using a Cut Out Approach
I’ve see them advertised before. The concept looks interesting & frightening. If you actually go that route, please post back to let us know how everything works out.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Vanguard 2023 Tax Forms
.. After reading through this thread, I have told them that if they can wait a few days I'll check back and see if Vanguard changes their minds and eventually does give them a 1099-DIV, which I think...
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