Personal Investments • Advisor evaluation [benchmark question]
Most excellent responses, thank you all. Definitely helped me understand what I'm trying to do and how to do it. Thank you!!Statistics: Posted by AtomicPunk — Sun Dec 15, 2024 10:58 am — Replies 13 —...
View ArticleInvesting - Theory, News & General • Scratching my head about current...
I have yet to find a single respondent here who will prefer to voluntarily retire during a market crash!They might not prefer it at the time but retiring at the bottom sure helps minimize the sequence...
View ArticleInvesting - Theory, News & General • What do Financial Gurus mean when...
A "guru" is an individual with an opinion. Nothing more.If I were going to have an "alternate"....let's say that thing we can't discuss....I think starting out at 2% is reasonable. If I lose the...
View ArticlePersonal Investments • Should I consolidate our IRA accounts
1. Your target AA applies to your aggregate assets. There's no need to apply your AA to each individual account.2. The main reason to aggregate IRAs into a single account would be ease of record...
View ArticlePersonal Finance (Not Investing) • Health Care claims denial gauntlet
Just to be different in MA, SHIP is called SHINE. The Division of Insurance Consumer Service Unit is for problem reports.Statistics: Posted by Padlin — Sun Dec 15, 2024 11:00 am — Replies 15 — Views...
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Personal Finance (Not Investing) • Selling a house: questions on losing...
I can offer no advice on your questions. But I too once made the mistake of buying next to a busy/loud road (oh how I hate motorcycles to this day ). From my experience, you will soon forgot the...
View ArticlePersonal Consumer Issues • How Do You Make The Best Cup Of Coffee?
I cannot stand Starbucks in general. I can taste the bitterness of the burnt coffee beans of roasting a large batch of coffee beans.KlangFoolI've never had a decent cup of coffee from Starbucks...
View ArticlePersonal Consumer Issues • YouTube TV Watchers - Save $60 on price increase
And my renewal date is 12/25.What do you mean by "renewal date". Under Billing, I seeUpcoming ChargesDec 27, 2024Base Planand the amount is $72.99Statistics: Posted by VG81 — Sun Dec 15, 2024 11:01 am...
View ArticlePersonal Consumer Issues • Shipping vehicle Minnesota to Florida
Please post an update and let us know how the move went and if you are pleased with Montway. I'm looking ahead to shipping my car from CA to KY in a year or two. Thank you!Statistics: Posted by...
View ArticlePersonal Investments • Portfolio Advice - TSP Heavy
if you are referring to my use of the word, "All" then that's fairYep, that was what prompted my question!The Treasury securities used in the G Fund rate calculation have a weighted average maturity...
View ArticlePersonal Finance (Not Investing) • Term Life - How much do I need?
Again, 10 million pretax. Who said it was pretax? Specifically in my model I said it was post-tax. And if the OP is early 30s that’s probably not terribly far offWhich comes out closer to 3 million...
View ArticlePersonal Consumer Issues • top rated US civil engineering undergrad programmes
Many undergraduate engineering programs at "top" schools like MIT are taught by grad students. Top schools do offer great education for masters and PhD students, but often good state schools have a...
View ArticlePersonal Finance (Not Investing) • Who reports annual i401k contributions to...
...You have until your extended tax deadline (usually Oct) to make employer contributions. ...What is the deadline for "employee" contributions to an individual 401(k)?Statistics: Posted by bsteiner —...
View ArticlePersonal Finance (Not Investing) • With RMDs now Taken at 75 - Do They Really...
No, the OP is looking at the life expectancy at the OP's current age (50).Of course, these are just median values. It does not mean that "a lot of us males will get 3 years of RMD and then pass", it...
View ArticlePersonal Finance (Not Investing) • Clarification on IL State Tax Loophole...
Put that way, there might be an amending opportunity. If you were doing the backdoor Roth as a non-deductible tIRA contribution followed by a non-taxable Roth conversion, then amending to make it a...
View ArticlePersonal Finance (Not Investing) • Simple trust for 0 tax rate on $3150...
Creating a separate EIN for the trust is easy, but if the trust has more than $600 in annual income, then the trust has to file IRS Form 1041 along with a state income tax filing for the trust as an...
View ArticleNon-US Investing • [Italy] - My lazy portfolio, seeking advice
Yes both of then Eurozone. I already had an EM710 and added an IEAA. Will look for the weights as you suggested The broker did have the aggregate ETF you mentioned available but I wanted to understand...
View ArticlePersonal Investments • Does anyone else really not want to rebalance now?
I'm in a similar quandary. I've eschewed using bands and have instead been rebalancing annually, on/around my birthday. However right now our AA is is about 10% off target, and I'm getting the itch to...
View ArticlePersonal Investments • Going rate for assets under management?
I have recently switched to a new financial advisor. So far I like working with him; he is knowledgeable, kind and doesn't rush encounters. He also agreed to serve as a fiduciary. His rate for assets...
View ArticlePersonal Finance (Not Investing) • $1 M Roth conversion.
The tax rate is only one of many benefits of a Roth conversion. A 2 point difference in the rate is unlikely to be material.We've had conversions for many millions of dollars in a single year.However,...
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