Investing - Theory, News & General • 457b and 414(q)
Most are aware from here or the news that the IRS tweaked various plan limits for 2024.What are the implications to a balance within a 457b plan if an employee qualifies for one or more years, then...
View ArticleInvesting - Theory, News & General • 2024 Stock Returns Already Happened
From the Goldman Sachs 2024 US Equity Outlook (November 15, 2023)https://www.goldmansachs.com/intelligen ... er-17-2023Continued economic and EPS growth will lift the S&P 500 index to 4700 (+5%)...
View ArticleInvesting - Theory, News & General • Jon Clements - his portfolio changes
https://humbledollar.com/2023/12/happil ... ses-test_7Summary from the post - "That brings me to a major portfolio change I made two years ago, and a series of changes I’m planning for the years...
View ArticlePersonal Finance (Not Investing) • Wax or Briteco insurance for jewelry?
We are still trying to find an alternative to our expensive blanket collections policy for some rings and watches. I looked at Jewelers Mutual and I'm a bit concerned about their "replacement or...
View ArticlePersonal Investments • Help needed: Gifting from Fidelity account
I want to gift some shares to my daughter. We have accounts at both Vanguard and Fidelity.I started with my Vanguard account and did the whole thing online in less than 5 minutes. However, at...
View ArticleInvesting - Theory, News & General • Are we missing out on private...
The following are some of the most prominent companies in the US that are not public.Cargill, Koch, Publix, Mars, Enterprise, Fidelity, Bechtel, McKinsey, Bloomberg, Edward Jones, Chick Fil A, Bain...
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Non-US Investing • UK SIPP tax advice
I am trying to plan a way to minimise tax from my pension pot that consists of SIPP, ISA and cash.In particular the tax free 25% that applies to the SIPP.If I dont withdraw the 25% when drawdown is...
View ArticleNon-US Investing • Can I switch to a distributing ETF? (UK)
Hi,I currently own the etf CSPX (iShares accumulating S&P 500). I own this in a taxable account, and would face a significant capital gains tax bill if I were to sell.I would like to switch to a...
View ArticlePersonal Finance (Not Investing) • Best budgeting tool
HiI’d like a tool that connects to my credit card and bank account an automatically categorizes my spending. I use every dollar now but I’m tired of manually entering all of my expenses...
View ArticlePersonal Investments • Schwab robo investment
I am interested in knowing the huge difference between the Schwab Robo Advisors withdrawal amount it recommends compared to a three fund portfolio with a 4% withdrawal rate. I have $750000 to invest...
View ArticlePersonal Finance (Not Investing) • 401K Soc Sec Bridge Calculator
I am doing my retirement planning and I am thinking about deferring Social Security, but I want to maintain an even flow of income.My thought was to draw more out of my retirement assets for the first...
View ArticlePersonal Consumer Issues • Anyone using a snow melting mat/pad?
We get our driveway plowed and they do a good job of snow blowing our front door. However, we have recently begun to feed and shelter a feral cat at the side of our detached garage. I don’t want the 2...
View ArticlePersonal Investments • 403b or Roth 403b
My current employer will offer the option to contribute to a Roth 403b in 2024. Few quick facts:- 39 yo male, single- New York (state tax - 6.25%, federal tax - 24%)- Max 403b (no match)- Max Roth...
View ArticlePersonal Finance (Not Investing) • Funding Remodel Options?
Hello-Looking for some thoughts/advice on best way to fund a remodel:Bought a house in historic part of town for $1.1M in Dec '21; have a 30 year note @ 2.75% with 628k balance.Estimated current house...
View ArticlePersonal Consumer Issues • Kidney Dialysis Away From Home For 2 Weeks?
Friend needs to undergo dialysis 3 times a week fro 2-3 hours each session. One wish for this person is to go on one more cruise.I am not asking for medical advice but would like to know of specific...
View ArticlePersonal Consumer Issues • Deductibility of LTC
Can someone summarize whether long-term care expenses (nursing home or home care) are tax-deductible? I am wondering whether this is an argument for keeping a chunk of assets in a tax-deferred account...
View ArticlePersonal Investments • 401k costs much lower that rollover?
I have been retired for a few years. 65% of my funds are still in my 401K. The 401k is moving to a new management company. I am reviewing the costs associated with the 401k vs costs at Vanguard where...
View ArticlePersonal Investments • Recommended Sweep Account at Fidelity
What do you recommend/use as sweep accounts for retirement (IRAs) and non-retirement accountsStatistics: Posted by robert123 — Mon Dec 18, 2023 9:32 am — Replies 1 — Views 76
View ArticlePersonal Finance (Not Investing) • MIL Long Term Care policy lapsed due to...
Greetings,This question is submitted for a friend of mine who is having this issue with his mother. My friend's mother (Sally) has had a very good Long Term Care policy for 22 years. This is one of...
View ArticlePersonal Investments • After-Tax 401K Contribution Question
My employer is offering us an After-tax 401K plan with option for in-plan conversion to a Roth 401K plan through Fidelity. I have been asking for this benefit for the past few years so was very...
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