Personal Consumer Issues • funeral preparations
My Dad just died last month. 10 years ago, he gave me a folder with important information, such as:His willLife insurance policy numbers and phone numbers (not a lot, but it paid for the funeral)DD214...
View ArticleInvesting - Theory, News & General • Taxation of Treasury bills, notes...
Pre-maturity sales of notes (and bonds, I presume) ARE reported by Schwab on 1099-B. Proceeds less basis is split between accrued market discount and capital gainI just saw this... That wasn't my...
View ArticlePersonal Investments • Portfolio Advice Needed - Can I Retire?
@bonesly-I am really intrigued. Where did you get that chart? I've looked, but all dead ends. I think it's an excellent representation of what I need to understand about global vs US diversity. I’d...
View ArticlePersonal Investments • Dividend shock: Help me reduce dividends
You could stop holding taxable bonds in your taxable account. They still might be better after-tax than munis for you in the 22% bracket though.You could hold them in tax-advantaged instead.Avoid...
View ArticlePersonal Consumer Issues • Maintaining a new Global Entry membership (USA)
Just curious: Did your renewal involve an in-person interview, or remote interview?I just went through the renewal process last week and updated my info then (nothing changed other than DL expiry...
View ArticleInvesting - Theory, News & General • Reinvesting tax savings from munis
this is what i get for posting at 2AM. Upon further consideration I realize there is no point to be made here. The tax savings calculation is already being netted against the fund's return, so the...
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Investing - Theory, News & General • Index Investing Basics - Revisited
Is it true that in the past many years it has been conventional wisdom that stocks out perform bonds and is that still conventional wisdom today?Yes. It's a view shaped by post-WWII US stock...
View ArticlePersonal Consumer Issues • Help me with my car dilemma . . .
My advice would be to trade it for a NON hybrid vehicle like a CRV. The dealer will auction the thing anyways. I say non Hybrid because for lots of highway driving, you're carrying around 1000 pounds...
View ArticlePersonal Finance (Not Investing) • The best game-changing financial advice...
3) Doing your own financial planning and asset management is the best paying hobby/side gig available to most people. If the average advisor charges 1% and you've got a $3 million portfolio, that's a...
View ArticlePersonal Finance (Not Investing) • Can I retire in 5 years?
Your pension would cover almost all of your expenses, which may be higher or lower at that point depending on whether you expect your children to attend public school and what activities/expenses...
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Personal Consumer Issues • Cloud based backup options for sensitive files
Why not just email them to yourself? Or Google drive? You sure don't need to pay for anything.Please don't ever email sensitive files.... Email is not the least bit secure.As a physician, we emailed...
View ArticleNon-US Investing • [UK] Should I put money into SIPP to avoid the 60% tax trap
Likely. Marginal rate is even higher if you have young kids (loss of childcare account and 30 hours free childcare if £100k). Depending on your package breakdown, next tax year see if you can salary...
View ArticlePersonal Finance (Not Investing) • Which typie of Fidelity account?
How much is the FDIC-insured core position paying, compared to the MMF core of the brokerage account?Fidelity CMA rates 2.69% (2.72% APY) for FDIC vs. 4.97% 7-day yield for SPAXXHelp me out here....
View ArticleInvesting - Theory, News & General • Anybody heard stories of well...
Long-term care costs for just one spouse can cause both spouses to run out of money unexpectedly. …That story makes one wonder if being married can actually be detrimental in certain situations, as it...
View ArticleInvesting - Theory, News & General • Awesome Portfolio: 20% Stocks..20%...
I ultimately settled on40%: equities30%: real estate20%: fixed income10% goldbut in reality it looks more like (and is perfectly fine):40%: equities20-40%: real estate15-30%: fixed income5-10%:...
View ArticlePersonal Finance (Not Investing) • Paying for grandparents to babysit,...
1. Your Roth conversions and HSA transfers move actual funds from one account to another, and the moves are documented by the custodian. You and the custodian will account for in tax filings. There is...
View ArticlePersonal Finance (Not Investing) • Retirement accounts can be better than...
Hmm--can you explain this phrase: "more than enough tax advantage account space to cover retirement"?The 401(k) maximum for 2023 is $22,500, and the IRA maximum is $6,500. Is that enough saving to...
View ArticleInvesting - Theory, News & General • Managing Market Risk in Holding a...
Agree. Thank you.Statistics: Posted by Prudence — Wed Mar 20, 2024 12:24 pm — Replies 7 — Views 298
View ArticlePersonal Finance (Not Investing) • How do we determine earning coming from US...
How do we determine earning coming from US treasury ?====================================================Thanks for replying to my threads. I did review past threads on above subject.I am having...
View ArticlePersonal Consumer Issues • iPhone 15 compare to iPhone XR - much of a...
Thanks all! Not a gamer, but I do take photos with the phone.Yes, the camera improvement is the main attraction for me. Even thought the XR camera is pretty good, from what I've read the 15 camera...
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