Personal Investments • I bond redemption that are gifts to grandchildren
If I understand correctly, these bonds are still in your name, and your goal is to redeem them, then deposit the proceeds into 529 accounts for your grandkids, and therefore not pay tax on the...
View ArticleClik here to view.
Personal Finance (Not Investing) • Auto Insurance Increases in CA with Amica
Farmers too. 2 car insurance for 6 months up from 1100 to 1450 ish (30% increase?). Home insurance up from 1200 to 1900 (60% increase?!)No claims on house insurance. Agent said we’re now in a wildfire...
View ArticlePersonal Investments • Portfolio Review Request
You should be charitably inclined and making charitable donations that are tax deductible on Form 1040 Schedule A. One can donate shares held long-term and especially with a large percentage of...
View ArticlePersonal Consumer Issues • Has anyone ripped out a deck and replaced it with...
Depends on your lot. Deck can nicely avoid a step down from the door, to enjoy the outdoor space. I don’t like that I can’t observe the drainage being effective since the ground is covered. My...
View ArticleInvesting - Theory, News & General • borrow money and interest is tax...
Comprehensive answer:https://www.law.cornell.edu/uscode/text/26/163Statistics: Posted by toddthebod — Thu Feb 22, 2024 11:16 pm — Replies 13 — Views 1180
View ArticlePersonal Finance (Not Investing) • Using withholding on Roth conversion...
I'm sure you know this, but you'll lose that Roth space if you use some of the conversion to pay taxes. And you can't get it back once it's gone.Of course you can, as long as you replenish the taxes...
View ArticlePersonal Consumer Issues • Who's up for pickleball? Zero-zero-two. Game On!
I’m calling it out.I'd accept it without saying a word.I'd call that in most of the time because if it's close (if I don't see a gap) I'm calling it in (And probably say "nice shot!"). We're not...
View ArticleClik here to view.
Investing - Theory, News & General • Can you do better than BND?
...Of course we don't have enough independent 30y periods to do any valid statistical analysis to determine these values, which is a big problem in doing the kinds of analyses McQ is trying to do in...
View ArticleClik here to view.
Personal Investments • Changing up 403B fund selection
Thanks all.Seems fine to me, although with " 55% TSM, 35% international, 10% SCV", you're intentionally tilting towards small-cap value. You said you have TSM in a different account with Fidelity so...
View ArticlePersonal Investments • What’s going on at Vanguard ?
I am not trying to defend Vanguard here. (I no longer have an account with Vanguard. I think they are fine but I moved because I like a company with 24/7 CS.) Every firm has issues. Here are minr with...
View ArticlePersonal Investments • Is it Too Late to Invest in VTI?
Well stocks are higher 6 days after this thread was started.Statistics: Posted by HomerJ — Thu Feb 22, 2024 11:24 pm — Replies 112 — Views 13223
View ArticleClik here to view.
Personal Investments • Why should I back door Roth?
No employer match .That looks very odd! Reason I say is that the after tax contributions to the 401(k) plan are subject to a separate set of non discrimination tests, even in safe harbor plans. If...
View ArticlePersonal Consumer Issues • Advice for buying a car in 2024
I haven't bought a car in just over 10 years, but I need to so am interested in this topic. I have a 2013 Ford Edge with 175k miles, which I had bought new. Had very few issues until this past year,...
View ArticlePersonal Consumer Issues • Best place to buy personal domain? Best place to...
I have used godaddy 1and1(now Ionos), namecheap and gandiwould probally choose from the last two if I needed to register a new domain.At one time most domain registrars offered package deals combining...
View ArticleClik here to view.
Personal Finance (Not Investing) • High Salary (>$500,000) careers
Software engineers can make that much at the staff level at large tech companies.At highly-selective trading firms new grad SWEs (and traders) start at these...
View ArticlePersonal Investments • Is my understanding of pro-rata rule correct?
I currently have a 401k and a SEP-IRA. The SEP-IRA has 56k value (from 22k in contributions). Not that I think it matters but the SEP has not had contributions in 4 years. I currently do not have a...
View ArticlePersonal Finance (Not Investing) • Land Trust
I do not know the answer to your question, but I came across this site about real estate law and asset protection stuff a few years ago and it has a lot of well written articles talking about the...
View ArticlePersonal Finance (Not Investing) • Etrade 1099 issues again. [Incorrect, e.g....
The numbers on both copies are identical and are correct. So I will likely just ignore the difference. My guess is the first copy has no explanation, so they generated another copy.This makes them...
View ArticlePersonal Consumer Issues • Insurance question for a car that was given away
Often you can identify many, sometimes all, characteristics about a vehicle insurance policy from the periodic premium billing statement from the insurance company.Statistics: Posted by 123 — Fri Feb...
View ArticlePersonal Finance (Not Investing) • Estate plan for blended family primary...
I believe they each have revocable trusts holding their liquid assets with the other as primary beneficiary. When the surviving spouse passes, both trusts should distribute, each to the "successor...
View Article
