Personal Investments • More Roth Conversions or Gifting?
Hello All. I have a situation in which I would appreciate some feedback / advice.We have been performing Roth Conversions for the past 10 years and now have the following breakdown:TAXBLE: $ 2.0 MTax...
View ArticlePersonal Investments • VA 529 investment advice
Seeking advice regarding VA529 investment strategies: We have two kids ages 9 and 7 and since birth have been steadily investing as feasible in VA529s for them under the appropriate target enrollment...
View ArticlePersonal Consumer Issues • Insurance check for car repair to me or shop?
My car is going into the body shop for repairs.Is it better for the insurance company to cut me a check that I sign over to them, or for them to pay the shop directly? I think the amount final amount...
View ArticleInvesting - Theory, News & General • Grandparent 529 Plans
I'm planning on setting up a Colorado State sponsored 529 plan for each of my grandchildren with me as the donor/owner. The aggregate contribution limit for each beneficiary is $500,000 in this state....
View ArticlePersonal Finance (Not Investing) • Trying to Understand Estimated Taxes This...
I thought I had a decent understanding of estimated taxes, but now I'm confused. I was a high school teacher who received a W2 and now receives a pension. My wife, while she did occasional consulting...
View ArticlePersonal Consumer Issues • I'm buying a house with cash, can I get a mortgage...
I think this might be a stupid question but maybe not, I really don't know the answer. If I bought a house with cash, can I get a mortgage on it at a later date? My thought is you can via a cashout...
View ArticlePersonal Investments • Please help my son pick 401k funds from new job
Hi everyone,My son is a recent college grad. He just stared a new job and his company will be matching up to 6%. He is able to contribute to a Roth 401k.I am attaching his choices through morning star...
View ArticlePersonal Finance (Not Investing) • Converting a SEP IRA to ...???
Hello!I am a small business owner who chose a SEP IRA plan a few years ago because it seemed like the best (and easiest) way to get going. At the time I had no employees, just contractors. I have been...
View ArticleInvesting - Theory, News & General • What to invest so that no additional...
Say I wanted to avoid any additional investment income with any new money I have to invest for the long term. Should I put the new money into 1) BRK/B, 2) GOLD ETF, 3) putting the money in a no...
View ArticlePersonal Investments • Layering Into International Slowly
I understand the default recommendation from many will likely be, “Why wait, switch to your desired AA immediately, anything else is market timing or a bet you know more than the market.” However,...
View ArticlePersonal Consumer Issues • Window treatments that reduce outside noise
I’m interested in finding out about window treatments that have been effective in reducing the outside noise that infiltrates your home. In particular, I want to cutback on traffic noise but other...
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Personal Finance (Not Investing) • How do I pay New Mexico compensating tax
Hi,Some quick background on my question:- I am a first-year resident of New Mexico in 2023- While in New Mexico I made a few online purchases for which sales tax or its New Mexico equivalent (gross...
View ArticlePersonal Investments • Best Retirement Calculators ?
I have used a few but they are giving different results. Does anyone have a favorite (how long will your money last type of thing)? Thanks.Statistics: Posted by robindbee — Sat Sep 07, 2024 2:01 pm —...
View ArticlePersonal Finance (Not Investing) • Life Crossroads - advise request
So I am at a crossroads in life and looking for advice. I am 36 and we have about 1.4M in savings - so financially we are in good shape.My wife and I are from Michigan and our families are still...
View ArticlePersonal Consumer Issues • New tires needed - please help
I have a 2018 Toyota Camry XLE which needs new tires. Recommended Tires at the dealer cost 250 more than the same at Costco. I’ve done a search at Costco for tires that fit my car and the two big...
View ArticlePersonal Finance (Not Investing) • Ocean City MD condo rental -VACASA?
Looking to rent a condo near or up to 10 blocks north of the OC convention center (approx 41st to 51st St) in late June 2025.Found a nice condo in what appears to be a very nice bldg, managed by...
View ArticlePersonal Finance (Not Investing) • Transitioning from Mint to Monarch...
I'm having a problem with my transition to Monarch Money, and after many exchanges with a Customer Support person I'm really frustrated. Perhaps someone else who is using this tool can shed some light...
View ArticlePersonal Investments • Saving strategy
Greetings BH!We want about $500,000 in 3 years for a remodel. I was looking for some inputs from the BH community.I’m 46 and DW is 41Gross household income - $300,000 yearly401k - $390,000VTI -...
View ArticleInvesting - Theory, News & General • All in?
I am 45 years old, have not debts have a stable job and from my salary I save 1000€ each month for my retirenment into my portfolio consisting of 60% stocks (Vanguard All-World-ETF) 25% Bonds 15%...
View ArticleInvesting - Theory, News & General • Buying invididual TIPS vs...
Is there any difference buying individual TIPS with a specific target maturity date vs buying the target-date TIPS ETF.Assume both are held to maturity and funds are in taxable. What if you need to...
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