Personal Investments • Re: $10M Windfall in 40s
Use this tool to pressure test your assumptions (asset allocation/savings/portfolio withdrawals for a long retirement): https://tpawplanner.com/Based upon the limited information you've provided, it...
View ArticlePersonal Finance (Not Investing) • Re: Primer on Paying Taxes With a Credit Card
I assume what you are really asking is whether it will count as an online transaction, and the answer to that is No. However both the Travel Rewards and Premium Rewards cards will get you 2.625% back...
View ArticleInvesting - Theory, News & General • Re: Schwab Mutual Fund Waiver for...
I disagree with this idea. The account belongs to the employee, but the employer sets some of the rules, the brokerage sets some rules, and the Government sets other rules. The employer is responsible...
View ArticlePersonal Consumer Issues • Re: leasing a Car versus buying a Car
I always buy 5-7 year old car. IMO it usually ends up being 50% or get a lease return and get closer to 35% off sticker.Statistics: Posted by socalindex — Fri Dec 27, 2024 1:35 pm
View ArticleInvesting - Theory, News & General • Re: What is your Roth vs Pre-Tax...
Without actually checking, maybe 1:3 (still toiling).Statistics: Posted by Doctor Rhythm — Fri Dec 27, 2024 1:36 pm
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Personal Investments • Re: Thoughts? Downsize my house for cheaper house so I...
Would greatly appreciate advice/thoughts on below:I’m female (turning 45yrs old in 2 months) and only have 4k saved for retirement in my portfolio at Vanguard (VTSAX). Awful and it feels terrifying...
View ArticlePersonal Consumer Issues • Re: What car to buy/research? (Expecting first...
Toyota Sienna is an excellent family vehicle, I also vote Toyota Camry/Prius or another Honda Accord. Camry achieves 45mpg, Prius > 50mpg and has a lot of room in the hatch. Used siennas are mid 30...
View ArticlePersonal Finance (Not Investing) • Can I right off my IBKR forecastx election...
I used IBKR’s new forecastx election betting thing to hedge the election outcome. My Kamala bet lost. Can I write this loss off against stock gains?Statistics: Posted by fivedots — Fri Dec 27, 2024...
View ArticlePersonal Consumer Issues • Re: Snow chains
https://dot.ca.gov/travel/winter-drivin ... n-controlsFor California, there are three levels of chain requirement. R-1 and R-2 only require carrying traction device in the car if you have 4WD/AWD. R-3...
View ArticlePersonal Consumer Issues • Re: Maalwarebytes Digital Footprint: Data breaches...
I have had my email address show up in various breaches, as well as user id and password in some cases - Adobe and Chegg come to mind, for example.As long as you are using strong and unique passwords...
View ArticlePersonal Finance (Not Investing) • Re: Dependent adult children and 0% Cap...
If your tax rate on capital gains is 0%, then you are good to go, but that is unlikely.Yesterday's query on the subject should be helpful to you:viewtopic.php?t=445815The "calculator" is your tax-prep...
View ArticlePersonal Investments • Re: Stick with Wellington at Vanguard?
...From Morningstar's latest fund analysis report: "Since Pozen became lead in 2020, he has made some adjustments to the portfolio like eliminating the fund’s historic tilt toward value...
View ArticlePersonal Finance (Not Investing) • Re: Direct Transfer to TIAA from Vanguard:...
This thread is now in the Personal Finance (Not Investing) forum (fund transfer).Statistics: Posted by LadyGeek — Sat Dec 28, 2024 1:48 pm
View ArticlePersonal Investments • Re: Wife is Questioning "The Plan" Are we...
I'd max out tax deferred space because of your high incomes.What you do with the rest is really a choice about how much you want to have in retirement.Statistics: Posted by rockstar — Sat Dec 28, 2024...
View ArticleInvesting - Theory, News & General • Re: NYT article on private credit
I'm on the investment advisory committee of a non-profit with ~$100M in assets. We have an advisor (a major firm who specializes in non-profits) who charges a very reasonable 0.1% AUM fee. As far as I...
View ArticlePersonal Finance (Not Investing) • Re: Retirement per city
It is repeated almost any time anyone mentions realistic living expenses, especially in relation to early retirement.Agreed. People often confuse anything below “desired standard of living” with...
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
Cancelled several steaming services and an unused phone line, to save about $60/month.$720 a year, $3,600 over five years!Great work!Statistics: Posted by yankees60 — Sat Dec 28, 2024 1:49 pm
View ArticlePersonal Investments • Re: Should I trust the local Fidelity VP as an advisor...
Fidelity probably didn't make him VP for promoting low-cost, DIY, passive investing.Statistics: Posted by Doctor Rhythm — Sat Dec 28, 2024 1:51 pm
View ArticlePersonal Finance (Not Investing) • Re: HELOC Rates in 2024
Oh man. I used a mortgage broker that my realtor recommended and he charged me 2.5% origination fee and then it was prime + 0.25.It was a divorce related heloc so I just wanted it done, but now I’m...
View ArticlePersonal Investments • Turbo Tax Inquiry from Newbie
Basic Newbie question re: Turbotax: We used to file our taxes DIY for a number of years so are pretty familiar with it. But never used online services. As life got complicated with our being employed...
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