Personal Investments • Re: Ibond as emergency fund
I have a mild fear that if an account gets locked for security reasons getting it unlocked will be a nightmareMight be unjustified, but still…I have realized this risk. Historically, it was simple to...
View ArticleInvesting - Theory, News & General • Re: Why Roth conversions always pay...
What calculation are you using to define "best"? Is it "minimum tax paid" or something else?Meaning whatever you are intending to optimize for that year not some time way in the futureFor...
View ArticlePersonal Finance (Not Investing) • Re: Anyone banking with Everbank?
This happened to me many years ago (2008), so hopefully Everbank has cleaned up their act since then. I have dealt with dozens of online banks over the years and the only one I ever had a problem with...
View ArticlePersonal Finance (Not Investing) • Re: Corrected 1099-R - looking for advice
They need to issue the form to the estate. Then they need to correct your ssn's form to $0 or $1 (if they can't do $0) so that the IRS is not "confused"Thanks. I can try asking T. Rowe Price but it...
View ArticlePersonal Finance (Not Investing) • Re: do you meet in person with accountant
Since online only is the norm now, I’m going to expand my CPA search to all of California. I already have a short list of people I plan to contact once tax season is over.I wonder if there is a way to...
View ArticlePersonal Finance (Not Investing) • Re: Tax underpayment oopsy
OK, thanks. I figured they would probably set it up that. I guess if the money were in a more aggressive fund or stock, it could overcome the penalty, but yeah, where it's at now, the 7-day avg yield...
View ArticlePersonal Finance (Not Investing) • Re: Taxable account with multiple...
Does an account ever "name" the estate as beneficiary? I have named my estate as the beneficiary of my Schwab account. I used to name people, but then I decided to have things handled through my will....
View ArticlePersonal Investments • Re: Reserving the ability to tax loss harvest
ITOT is probably too close to VTI and could be interpreted in an audit as “substantially identical” so I probably better use VV or AVUS to be 100% safe. ITOT is $66B in size and has about 2500...
View ArticlePersonal Investments • Re: Laid off, 40, Bay area: what to do with...
Take some time off to be with the baby and enjoy the severance. As others indicated, look at this as a blessing in disguise. With 2 years of living expenses in an emergency fund and another year of...
View ArticlePersonal Finance (Not Investing) • Re: How to buy surplus govt electric cars
I recently read that the federal government is transitioning their entire fleet to gasoline and removing electric car chargers from all US government facilities. This seems very similar to what Hertz...
View ArticlePersonal Finance (Not Investing) • Re: Best practice for home buying in VHCOL...
We have anticipated kindergarten afterschool costs by researching various options. For two children, the estimated cost is approximately $1,200 total. Once our third child is old enough to attend, the...
View ArticlePersonal Consumer Issues • Re: Windows 10 is losing support in Oct. Need a...
I've bought several used computers (including this one -- still going strong after 8 years) from someone I met on Craigslist who sells computers.He's a PhD in biology, teaching in a local college but...
View ArticlePersonal Investments • Re: Portfolio Review- Warning Alternative Assets!
And just to be clear, crypto can be part of your portfolio if you would like. Just keep in mind that, from a portfolio construction perspective, it needs to be a small percent (generally <5%) and...
View ArticleInvesting - Theory, News & General • Re: US Bond STRIPS: Pros, cons, when...
...People on BH tend to grouse about imputed interest (i.e., OID) in taxable accounts. I find this a non-issue, as I have made sure there is enough cash flow to cover any taxes each year (from...
View ArticlePersonal Investments • Re: 401k and bonus
Does your plan allow “after tax” contributions?The $23k limit is for Pre-tax 401k + Roth 401k contributions.The $69k limit is for Pre-tax 401k + Roth 401k + Company Contributions + After-tax...
View ArticlePersonal Finance (Not Investing) • Re: How are you using AI?
My team used a new cutting edge due-diligence AI to review approx 17 million pages of information in a complex litigation. In less time than it took to write this post, it found about 10 pages of info...
View ArticlePersonal Investments • Re: Saving for house in medium term time frame
When saving for a house, I stick with safe investments…money market, CDs and the like. Of course, some people are trying to squeeze out more “juice” and take more risk. To each their own, but I want...
View ArticlePersonal Investments • Re: Which financial decision you regret most?
Not selling my concentrated single-stock holding sooner. That stock got cut in half while the S&P tripled. I don't own single stocks anymore.Statistics: Posted by Ciel — Sun Feb 23, 2025 12:41 am
View ArticlePersonal Investments • Re: Looking for percentage of government obligations...
I think I found it for TMCXX:https://www.blackrock.com/cash/literatu ... letter.pdfI just don't know the difference between BCF institutional and BCF treasury they have on the document.I think since...
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Personal Finance (Not Investing) • Re: H&R Block problems with Michigan...
Hi I have the same issue on the MI State Software page. I believe that they crossed the references for SSA Exempt income boxes. If you pick the boxes the results are correct as well and there is no...
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