Non-US Investing • [Hong Kong] MPF choices that are in line with the...
I use Global Equity Fund with HSBC. It's not really actively managed, more passive. Probably the best you can get in HK in terms of MPF components. The fee is about 0.7-0.8% which is as low as you can...
View ArticlePersonal Investments • Taking advantage of the wash sale
If you purchase replacement shares within the window, there's a wash sale. It does matter which money you use. Capital losses can't offset dividends, so it looks like you've extended your annual $3k...
View ArticlePersonal Finance (Not Investing) • Very Recent TIPS Fund Price Movement
I bought VG intermediate TIPS fund on January 22nd and noticed that the value of my investment had declined since then. So, I checked VG's price chart and noticed that the share price was $23.14 on...
View ArticlePersonal Consumer Issues • insights on living in the Blue Ridge Mountain region?
Medical care increases in importance; find out about hospitals, specialists and if there are shortages. Virginia has several teaching hospitals - which from my recent experience interact well with...
View ArticlePersonal Consumer Issues • Advice/ideas on how to navigate...
Decide on an annual portfolio distribution rate that you are comfortable with. In 2020, you said that rate was 2.5% which would be ~$450k/year.Your annual spend for “essentials” is $135k/year. What is...
View ArticlePersonal Finance (Not Investing) • Company division is being...
If you have an investment in a stable value fund, be especially wary of a change in control, where the value could become unstable.Statistics: Posted by bberris — Sat Feb 24, 2024 5:26 am — Replies 8...
View ArticlePersonal Investments • Heavy Value Tilt Away from Mag 7 stocks
https://www.advisorperspectives.com/art ... -returns-1See, here's what I'm trying to say...See that chart in the website above?It shows pretty high returns around CAPE of 25, because it includes all...
View ArticlePersonal Consumer Issues • How do you live healthy?
Eating nothing with a face or a mother is the most effective way to reduce the likelihood of developing the most common causes of death in the developed world. www.nutritionfacts.orgThis is a known...
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Personal Investments • "Advisor sold" versus "direct...
P.S. I live in NC... not sure that matters or not when considering the Virginia or NH 529. I need to understand the tax advantages better.It appears NC residents get a state tax break on 529...
View ArticlePersonal Finance (Not Investing) • What schedules and forms to include in...
I have a question about amendments to federal, Oregon, and California taxes. Some schedules and sub-forms changed or were added, and some didn't change.1. The federal amendment will be filed with...
View ArticlePersonal Investments • Bonds with Fixed Percentage Withdrawals
I am planning to do a 2.5% Fixed Percentage Withdrawal strategy during retirement. My budget has a large buffer in wants vs needs to help me handle the volatility. Given the capacity to adjust the...
View ArticlePersonal Consumer Issues • Dental crowns
Someone has to have a name of a US trained Dental practice working outside the US in a great vacation spot for a little medical tourism.What happens when you need some kind of adjustment for the work...
View ArticleInvesting - Theory, News & General • The Three-Fund Portfolio
Now, Barron's is arguing that: "A simple mix of high-quality stocks and bonds with low fees, like, say, the iShares Core S&P 500 exchange-traded fund and the Vanguard Total Bond Market ETF, each...
View ArticlePersonal Finance (Not Investing) • Line16 & Line17 from Form 8606
If a program is telling you there is a number for line 16 and 17, that info is coming from Part 1 which means you made, or the program thinks you made, a Nondeductible Contributions to Traditional...
View ArticlePersonal Consumer Issues • Dealing with minor accident situation
In TX, there is a 10 day window for reporting an accident that is "reportable" to the police. That time has past, but this seems to be a non-reportable accident. (The threshold is $1,000 and some...
View ArticleInvesting - Theory, News & General • LMP/TIPS Ladder Pros & Cons...
But does it have to be a TIPS ladder? What about using VTIP (or, like Jonathan Clements does, a barbell of VTIP and VGSH) instead. Adam Collins did a series on TIPS back in 2019 that seems to me to do...
View ArticlePersonal Investments • Reverse Rollover to Start Doing Backdoor Roth IRA
As much as I like a backdoor Roth, I personally would not rollover the $87k TIRA funds into a 401k with a 1.05% admin fee + other monthly/annual fees + ERs.Statistics: Posted by HomeStretch — Sun Feb...
View ArticlePersonal Finance (Not Investing) • Why Emergency Fund?
Whether or not to hold an emergency fund is a personal decision. There isn’t a right or wrong answer. A designated emergency fund makes sense (to me) for a younger person starting out or for anyone...
View ArticlePersonal Finance (Not Investing) • In the event of an untimely death, what is...
Does it have to be a joint account per se? Or can someone be added with signatory ability. … Years later, when MIL passed, DW was able to sign checks from MIL's account and settle bills and the money...
View ArticlePersonal Finance (Not Investing) • Underpayment Penalties IRA to ROTH Conversion
We have filed our 2023 tax return and are getting an IRS refund of $8,000. . . . .Question 3: At the time of IRA to ROTH conversion tax payment -- which I will do online using Direct Pay With Bank...
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