Personal Finance (Not Investing) • Potential Layoff - what actions to take?
My company just announced potential layoffs. What all would you consider doing at this time? What actions would you take? I like my company and very much want to stay working where I am if possible. I...
View ArticlePersonal Finance (Not Investing) • IRS tax transcript and rounding question
My tax software tells me to use this rule for rounding: "To round, drop amounts under 50 cents and increase amounts from 50 to 99 cents to the next dollar. For example, $1.39 becomes $1 and $2.50...
View ArticlePersonal Investments • Advisor Models
I started working with an Advisor group in 2008 or so. They put me into a Wells Fargo FundSource program which had both fund fees and fees through them.It was cheaper to move to a "managed account...
View ArticleInvesting - Theory, News & General • It's difficult to beat the index...
Don't know if this is interesting...I just read about an active fund investing in the US, that has had lower returns than index since start. All because of one mistake this year: they didn't include...
View ArticlePersonal Investments • Insight and Advice on My Portfolio, Insurance Needs...
Hello,I am new here. My spouse and I are 36 years old, based in Texas (no state income tax) with a total combined pre-tax net worth of around $2.6mm and an annual income of $230k. Around $2mm is in...
View ArticlePersonal Consumer Issues • Mexico immegration eTicket requirement?
Hi, everyone.My wife and I have been to Mexico several times, so we know generally how to get through the Cancun airport without too much trouble, but it has been 4 or 5 years since we have been, and...
View ArticlePersonal Investments • 529 account questions and investing strategies
Hi, I'm 40, I live in California (Bay area, HCOL), got married last year, and we are expecting a baby this January, 4 months away.Total net worth is ~2.8M. Roughly 700K of NW is in pre-tax 401k, Mega...
View ArticlePersonal Investments • Total Market or separate Large, Mid & Small Cap...
I've analyzed both scenarios via Portfolio Visualizer. The results are unsurprisingly very similar, however, they do vary considerably based on the allocation percentage for the separate funds. What...
View ArticlePersonal Consumer Issues • Economy vs premium economy when traveling with a...
I am looking to book a 10+ international flight (San Francisco to London) for me and my college-aged daughterWe have always flown Economy in the past, but now feel financially comfortable to do...
View ArticlePersonal Investments • 529 gift tax question
Hello all-Kindly request any insights you can provide on my situation:-In 2023, I opened a 529 with myself as account owner and my wife as account beneficiary. I contributed $4,000.-In 2024, we had a...
View ArticlePersonal Investments • How to lower my taxes during retirement
Hello.I have about 750K invested in the Growth Fund Of America. My very first investment about 40 years ago when I didn't know anything about investing in a more intelligent way. Every year I receive...
View ArticlePersonal Finance (Not Investing) • Update trust but not wills?
Has anyone had completely new trust documents drawn up by a new attorney? I think I’ve finally found someone in whom I have confidence to update our revocable living trust, if he’s accepting new...
View ArticlePersonal Consumer Issues • Cooking hack - What do you do when you put too...
I made some Risotto yesterday. Unfortunately, I had put a bit too much salt than necessary and it didn't taste as good as it could have been.So, I ask - when you put too much salt in your foods, what...
View ArticlePersonal Finance (Not Investing) • Trust DNI [Distributable Net Income]
The trust has income and assets. Is it possible for the trust to make a distribution to its beneficiaries from its assets rather than income, DNI?For example, imagine the trust has $1M in stocks. It...
View ArticleInvesting - Theory, News & General • Conversions from MF to ETF on...
I was going to convert a couple of mutual fund holdings to their ETF counterparts today (Vanguard), but it turned out to be a pretty volatile day. This got me to wondering if there are any negatives,...
View ArticlePersonal Consumer Issues • Can I dispute this charge from Uber
Last week I went to London and booked a Uber from hotel to the airport. The price I booked was 113 pounds and it was charged the morning of the departure day. The driver picked me up on time and no...
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Personal Consumer Issues • Best practices for selling vehicle on Craigslist?
I've sold several but it has been a few years and this one is a bit more valuable than my previous sales ($13.5K versus $5K-8K typically) . I provide a lot of information, many pictures, price fairly...
View ArticlePersonal Investments • International Stocks: Total (VXUS) vs Developed (VEA)
BoglefriendsFor my 20% international allocation, most of which is in a taxable account (so tax efficiency is critical), I struggle with which direction to go -- Total International (VTIAX/VXUS, IXUS)...
View ArticlePersonal Finance (Not Investing) • HSA contribution question for 26 year old
Hello,Just came off the parent's health insurance this month as I turned 26 in August. A few questions1. Is my HSA contribution limit for 2024: 8300 * (8/12) + 4150 * (4/12) = 6917?2. Does this 6917...
View ArticlePersonal Investments • $80K Severance Windfall - What to do with it?
Recently left a job and picked up a severance windfall and am trying to figure out where to park it. Right now, it is in a HYSA pulling in 4.25% in interest. Not terrible, but that will go down as...
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