Personal Finance (Not Investing) • Formula for trade-off between roth vs...
We agree that the main deciding factor when choosing between Roth vs pre-tax savings is the MARGINAL tax rate now vs later in retirement. We don't know future tax rates. They may go up or down. So I...
View ArticlePersonal Finance (Not Investing) • Mortgage deal w/ portfolio as collateral?
Are there any mortgage lenders /brokerages that will give a below market interest rate on a say 600K mortgage loan if one is willing to use your retirement portfolio worth a multiple of that as...
View ArticlePersonal Consumer Issues • Refreezing Salmon?
I don't have a lot of experience with preparing and cooking fish.A relative of ours is coming over today to bring a bunch of wild salmon, she made a bulk purchase and has too much for herself. It's...
View ArticlePersonal Finance (Not Investing) • Multiple Disability insurance policies
Hi,I’m a physician with 2 long term disability insurance policies. My new employer provides one at no cost to me. I was thinking of just cutting down to one since my employer would be the second....
View ArticlePersonal Finance (Not Investing) • DAF and capital gains (offset each other?)
If I have were to owe $35,000 in capital gains tax after a sale of a long-term gain, would it be directly off-set by a donation to a DAF by the same amount in the same tax year? Or is there another...
View ArticlePersonal Finance (Not Investing) • When rates drop on TBills, MMFs etc., what...
When rates drop on TBills, MMFs etc., what are you going to invest in?Statistics: Posted by Booogle — Fri Dec 15, 2023 6:31 am — Replies 15 — Views 979
View ArticlePersonal Investments • ibonds to tips and back again?
I cashed out ibonds yielding 0% to buy 5 year TIPS yielding 2.5%. Now that 5 year yields have collapsed to 1.7% I’m thinking about selling the TIPS and hopping back to ibonds at 1.3% real. Would this...
View ArticlePersonal Investments • VEA vs. VTMGX
I see on Morningstar that YTD, VEA is up 15.66% and VTMGX 15.44%. For 1-year, VEA is up 12.36% and VTMGX 12.43%. While these are minimal differences, why would the ETF be slightly ahead for one period...
View ArticleInvesting - Theory, News & General • The role of Authorized Participants...
An interesting article in Bloomberg tdaoy, Almost Entire $8 Trillion ETF Market Hinges on a Few Key Firms - Bloomberg. In the past five years US ETF market assets have more than doubled, over 1,000...
View ArticleInvesting - Theory, News & General • New Roth 401(k) Rollover Legislation...
https://www.napa-net.org/news-info/dail ... introduced"Reps. Darin LaHood (R-Ill.) and Linda Sánchez (D-Calif.) introduced a bill on Wednesday that would allow retirement savers to roll over their...
View ArticlePersonal Investments • when is capital gains tax due
I'm planning to sell a vacation home that I've owned for many years so the capital gains is significant. Do I have to pay capital gains tax at the time that I sell it or can it wait until the end of...
View ArticlePersonal Investments • Choosing a 403B Bond Fund
Good Morning!My employer recently modified our 403b plan. While we still have a great Fidelity total market index stock fund, our bond options are now bizarrely limited. Any advice on choosing between...
View ArticlePersonal Investments • Vanguard new platform
For those with less than $500,000 in investments, Vanguard is asking us if we want to move to their new platform to avoid a $75/quarterly fee on their current platform. The new platform has a more...
View ArticlePersonal Finance (Not Investing) • Curious about verification on opening...
I was helping my mom open some account recently and got curious about the process of verifying someone. They all have to follow the Patriot Act, which requires a person to provide ID info such as...
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Personal Finance (Not Investing) • How much more can we spend?
BHs:This is not a humble brag but a sincere question. Currently burning $136K annually including discretionary spending of $13K and estimated taxes. Firecalc and other calculators think it is safe...
View ArticlePersonal Investments • Upgrading "vintage" in TIAA Traditional
I saw another thread from a few months ago on withdrawing funds from TIAA Traditional and putting them back in at the current higher interest rate. What confuses me is that I am told by my WMA that I...
View ArticleNon-US Investing • G4 Visa, investments and tax considerations [for info, no...
Hi all,Given a recent question I had, and the little amount of info on G4 Visa, I wanted to share some info after a chat with a tax advisor so anyone with incoming G4 visa would save the money and the...
View ArticleInvesting - Theory, News & General • Correlation between TIP's and I-Bond...
Is there any historical correlation data between TIPs and I-Bond real yields?Is it correct to assume that 5-year Tips are comparable to I-Bonds?Right now, 5-year TIPs, real yield is at 1.74 and...
View ArticlePersonal Investments • I feel like lump sum in this environment may be...
I have not been investing very long, so this may be why my experience is what it is. I started my 401k in 2020 and opened up a roth in 2021. For the last 3 years I lump summed and maxed out my roth at...
View ArticlePersonal Investments • Short term capital loss carry forward
Last year had a short term loss carry forward...this year has long term capital gains...What are the best tax options available this year...Prefer not to use the short term capital loss to offset long...
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