Non-US Investing • Clarifcation on US withholding tax and synthetic swap fees
I'm new to investing but trying to educate myself. As a UK resident, I understand the best option for investing in an ETF that tracks the S&P 500 is to use ones that are domiciled in Ireland and...
View ArticleInvesting - Theory, News & General • A Good Reminder [to monitor accounts...
A good reminder to check your bank and brokerage statements monthly, and maybe not to keep too much in your checking account.https://time.com/6987981/banks-check-fraud/Statistics: Posted by Gaston —...
View ArticlePersonal Finance (Not Investing) • Suggestions on Budgeting (Spending) Method?
In our 20s, my wife and I have been struggling with credit cards. We're not in deep consumer debt, but I feel we live paycheck to paycheck and spend more on our credit cards than we should. Clearly, I...
View ArticlePersonal Consumer Issues • Data/Voice Plans for International Vacation
Are there any cost-effective data/voice plans for a short trip to the United Kingdom? The domestic phone carriers I find are charging $10 a day for data/voice plans. Is there a better option available...
View ArticlePersonal Investments • Can You Search For Your 5500-EZ on EFAST?
Our CPA filed the 5500-EZ last month for us for year 2023.1. Should I be able to find it on EFAST's website search for 5500 forms, or is it correct that it doesn't appear in a search on EFAST since...
View ArticlePersonal Finance (Not Investing) • Created Login.gov Account But Cannot Put...
I created a Login.gov account to create an EFAST account, but I noticed strangely that the Login.gov account has nothing about me except my email address. It didn't ask for my home address, not even...
View ArticlePersonal Investments • Withdraw from Traditional IRA, Roth Convert, or Spend...
Helping a 67 yo single relative with fiances and wanted to get some input about direction and how to best use this tax year and the next few since they will have no earned income. Other income will be...
View ArticlePersonal Investments • How Many EINs for Sole Proprietor Solo 401k
I cannot find a straight answer to this:1. I have an SSN2. I was told to create an EIN for my sole proprietorship when I made a solo 401k at Vanguard.3. This sole proprietorships EIN is used on all...
View ArticleInvesting - Theory, News & General • Brokerage / ETF / custodian risks...
Hi everyone! I'm trying to wrap my head around what are the intrinsic risks of owning a single ETF (VT).For my situation:I would hold VT in individual brokerage accounts at Schwab and IBKR (initially...
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Personal Finance (Not Investing) • Roth IRA Conversion
Trying to plan a few things...Currently I have $436K in traditional 403b and $33k in Roth IRA at age 50 (single man). I plan to travel in 2026 and beyond. Don't expect to have any income after 2025. I...
View ArticlePersonal Investments • Help me understand VBTLX
First time poster here, long time reader. I’m hoping I can get some input on fund VBTLX. I’m 45 years old and presently hold about 25% of our investments in this bond fund. It seems to have lost money...
View ArticlePersonal Consumer Issues • Bordeaux and Basque region (France and Spain) travel
I am considering a 2-week trip in March or April 2025 to start in Bordeaux and end in San Sebastián (where I am meeting a friend). My only plan so far is to stay in Bayonne on the way. I don't know...
View ArticlePersonal Consumer Issues • Is it worth moving to Florida for tax purposes
Has anyone analyzed if it's worth moving to Florida to save on taxes (planning Roth conversion of 4 million T-ira) vs the high housing prices in areas I would want to move and home Insurance (flood...
View ArticlePersonal Investments • SGOV
As a non US investor and not subject to US withholding Tax and holder of the above ETF I sell the fund on the day before the EX date taking the income for the month I buy back on the EX date spending...
View ArticlePersonal Consumer Issues • Texas - How can I negotiate my rent increase?
Another rent increase starting on 8/1:I have been here since 2016 and we absolutely love living here. It is very safe, quiet, clean and maintenance is very fast and efficient, It is my mother and I in...
View ArticlePersonal Investments • Wash Sale and Stock Options
If you buy to open and sell to close a stock repeatedly, would that consider wash sales and any loss in those transactions would be disallowed by the IRS?TravelforFunStatistics: Posted by TravelforFun...
View ArticleInvesting - Theory, News & General • consensus revenue growth for etf
Is there an easy way to know the consensus (of the market) revenue growth rate for any ETF for the next year?S&P 500 is easy to find but I am looking for other ETFs like VUG (growth), VGT (tech),...
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Personal Investments • PV Backtest Results Question
My PV Backtest results are compared to SPDR and is outperformed significantly over time. Should i re evaluate my allocation or stay my course?Statistics: Posted by Syner01 — Sun Jun 16, 2024 9:07 pm —...
View ArticlePersonal Finance (Not Investing) • Optimal Strategy to Pay down IO Mortgage...
I am planning to take out a $1.7m IO loan at 6.5% and am wondering about the best strategy to pay this down if I am hoping to refinance soon. Below is my current plan/thinking, but I would appreciate...
View ArticlePersonal Finance (Not Investing) • New Retirement Planning (NRP) Software
I have about 5 hours of playing with the full version under my beltThe program is well organized and easy to get going. Where numbers did not make sense to me, there is no table to help follow...
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