Investing - Theory, News & General • Is the asset allocation skewed by...
Ideally, I would like to smooth out my taxes over my lifetime. Easier said than done.Statistics: Posted by gavinsiu — Thu Dec 12, 2024 10:26 am — Replies 18 — Views 603
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Personal Finance (Not Investing) • Looking for CA CPA
Hi guys, I am looking for a CA CPA for tax planning. Please drop name if you have one available for recommendation. Statistics: Posted by Tech — Thu Dec 12, 2024 10:27 am — Replies 0 — Views 20
View ArticlePersonal Investments • seeking Vanguard money market alternative
I'm sorry you're leaving Vanguard. I think they have great MM and bond funds, as well as equity funds. But I know what it's like to lose faith in a company and want to move on.+1I particularly like...
View ArticleInvesting - Theory, News & General • Avoiding the temptation of...
A couple months ago my friend and I got into a debate about whether to buy Shiba Inu. Being a Boglehead, I was firmly in the “no” camp. He told me it was expected to appreciate by 50% over the next...
View ArticlePersonal Consumer Issues • Advice for buying a car in 2024
It sounds like a seller's market.I've experienced the above...but not lately.Did you ask for an out-the-door (OTD) price in the beginning?I probably would have played their game just like you did as I...
View ArticlePersonal Consumer Issues • Please eval Michigan Trip Summer 2025
I may be biased as I live in the Ann Arbor-Detroit area, but I would consider skipping the Detroit day and spend the whole trip in northern MI, unless there is an absolute must-do in Detroit. Ann...
View ArticlePersonal Investments • Thoughts on bonds vs. cash
You want to match duration in all cases.In your first camp, if you really don't plan to ever need the principal, you should go long for even more interest ... and ignore NAV swings.In the second camp,...
View ArticlePersonal Investments • When to Reinvest in VTSAX
About a year and a half ago I exchanged $250k/$101.25 per share of VTSAX for VMFXX (Vanguard Federal Money Market) in preparation for a property purchase. That purchase never transpired and I no...
View ArticleInvesting - Theory, News & General • How much financial sense is teachable?
As far as I can tell, only the part where you “don’t understand the value of a dollar” is unteachable . We all know somebody like that. Once you get past that, the rest is teachable. It’s an impulse...
View ArticlePersonal Finance (Not Investing) • HSA & Self-Employed Healthcare Tax...
That’s great until you need a surgery and boom, you’re paying all of your high deductible in one day. My wife just tore her ACL skiing last week, so I’m debating spending more on premiums to get a...
View ArticlePersonal Investments • Stop Playing
I'm 58 yrs old and plan to retire in 1.5 years. I'm currently sitting at approx 28X expenses. I have made my portfolio more conservative recently. I was at 55% stock. I am now at 42% but don't plan to...
View ArticlePersonal Investments • Suggestions for new 401K
I am thinking the two Fidelity funds (FXNAX and FXAIX) but would love some opinions. I'm not against adding some small and mids.Those are excellent fund choices.I would not bother adding any mid-cap...
View ArticlePersonal Finance (Not Investing) • Are We Spending Too Much?
I found an inflation calculator and went back in to when DH and I were a DINK couple. Your spending and savings were very similar to when we were that status. We have been fully retired about 15...
View ArticlePersonal Investments • Advisor evaluation [benchmark question]
Its kind of a pointless question to be honest. If they are beating the market do you stick with them even though its likely a fluke? I assume if they are behind you'll be unhappy and leave. The value...
View ArticlePersonal Finance (Not Investing) • Is this IT security idea -- worth the effort?
It would be worth the effort. Free Proton with local TOTP authentication is a good choice.For me it is always about balancing convenience and utility with security. It appears that the free Proton...
View ArticlePersonal Investments • Roth Conversion: Mine vs. Spouse - Does it Matter?
Have you considered that you don't need to do any more conversions?Yes, I re-evaluate every year.It seems like the only advantage of converting starting from a very small tIRA balance like you have...
View ArticlePersonal Finance (Not Investing) • Anyone Glad they took Social Security Early?
That only applies to spouses getting survivor benefits. That's not everyone.True... but I never see the same thing said when someone posts "claim SS as soon as you can!" My point is that even though...
View ArticlePersonal Finance (Not Investing) • Capital Gains Calculation
I looked up the Long Term Capital Gains Tax Rate Schedule for 2024 I would appreciate insights on how the Tax Rate is calculatedFor example the IRA has a capital gains tax chart that lists a single...
View ArticlePersonal Consumer Issues • 3 Computers: Best way to liquidate/sell.....????
I am in a similar situation. We have 4 desktops and a laptop that cannot be upgraded to Windows 11. Just bought two new desktops. Anyone that says you can't sell old computers is simply wrong. People...
View ArticlePersonal Consumer Issues • Replacing Generac Whole House Generator Because of...
I suggest a backup to your backup planStatistics: Posted by dknightd — Fri Dec 13, 2024 10:38 am — Replies 28 — Views 980
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