Personal Investments • Portfolio Diversification
New to the site and appreciate all of the input. I have a question about portfolio diversification. Market correlation for nearly all stock/bond ratios in a given portfolio is nearly 1 compared to the...
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Personal Investments • Trade at Fidelity off by 1 cent - what happens now?
On Friday at Fidelity, I sold everything in my Health Savings Account (an ETF) to buy a different ETF.Today I'm seeing I have a pending 1 cent debit...I'm wondering what will happen? I don't have...
View ArticlePersonal Finance (Not Investing) • Joint Return, one spouse unable to sign
A friend of mine is hospitalized and unable to speak or move. His wife asked me about how to handle authorizing the tax preparer to file their joint return. I asked her if they had executed POAs which...
View ArticlePersonal Finance (Not Investing) • Taxes
Married 43f sole income earner, husband 53m a student, and four dependents. We file jointly. I made $155,000 in 2023. I maxed out my 403b and will max out my Roth before filing taxes. My husband's IRA...
View ArticlePersonal Consumer Issues • AV Receiver and Firestick/Rokus
If you have a streaming device (firestick or Roku) do you usually plug it into the tv and then use optical out of the tv to the AV receiver? Or do you plug the "stick" into the receiver directly as...
View ArticleInvesting - Theory, News & General • Recession forecast for 2025
I’m no economist and the past is what it is but my thought is that there may be a correlation between the devaluation of the dollar due to the infusion of capital from the fed from a national debt of...
View ArticlePersonal Investments • Porfolio Review
Hello All,Been trying to follow the Bogleheads way for 1 year now.Emergency Funds:$10k ( 4 months emergency earning 4.5% through PNC Bank)Debt: 1 car payment $25,500 balance @ 5.99% (approx $45k...
View ArticlePersonal Finance (Not Investing) • Stuck on 1099-div, what is tax exempt?
So just to start I am a NJ resident if that makes a difference. In the past I plug in my Vanguard Brokerage 1099 information and I'm good to go. This year I had about 168 interest in VMSXX (the...
View ArticlePersonal Investments • Contribute to Roth or TIRA w/ Roth conversion for 2024
Hello all,I've taken a job where my income MAY be less than the income limits for direct Roth IRA contributions. However there are many variables between how much I work, and if I get into grad school...
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Personal Investments • Any success unblocking a treasurydirect account?
I purchased gift bonds for my adult daughter in Oct. 2022 and they are essentially frozen because treasury direct instantly put a lock on her account when she tried to open one. They are frozen in my...
View ArticleInvesting - Theory, News & General • Non-taxable conversion from private...
Do any ETF custodians, e.g. Grayscale, Blackrock, or Fidelity, offer conversion from a private wallet to their ETF that is not taxed upon conversion?Statistics: Posted by zylstra — Wed Jan 24, 2024...
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Personal Investments • Portfolio Review for NYC academic with tenure,...
After 10 years in grad school (no saved earned income) + 10 years under-earning (adjunct gigs and visiting positions, saved a small first TradIRA, bought a rental condo), I persisted onwards into a...
View ArticlePersonal Consumer Issues • Preventive Coverage for Mammograms
At what age are mammograms covered in full as a “preventative” measure? I recall the guidelines possibly changing in the not-so-distant past.Statistics: Posted by WhitePuma — Wed Jan 24, 2024 7:51 pm...
View ArticlePersonal Investments • I'm using a Robo Advisor and I still messed up because...
I'm extremely impulsive which is why I use a robo so it restricts how badly I can screw myself over. My current allocation with Betterment for this goal is for a car fund and other larger expenses...
View ArticlePersonal Finance (Not Investing) • how to find a good financial advisor
is there a website or other source that provides this information?I assume that I want a fee-only advisor?Statistics: Posted by prk — Thu Jan 25, 2024 5:01 pm — Replies 3 — Views 239
View ArticlePersonal Investments • Parents want to gift me $1,000,000 USD. Best way to...
Parents have offered to gift me $1,000,000 USD, and I was hoping to get some advice on what the best way to invest that would be. My situation is rather unique, but I'll do my best to apply any advice...
View ArticlePersonal Finance (Not Investing) • 1099-R Reporting Taxes
I did a back-door Roth in 2023. Contributed $6,500 for each myself and wife into our individual Trad. IRAs, then converted to each of our Roth accounts (dollar for dollar, no earnings, etc.).The...
View ArticlePersonal Consumer Issues • Access to Jefferson County, Missouri Court Records...
Back story. I have owned a sailboat on the East Coast for several years, which I recently listed for sale. The broker found a buyer in Jefferson County, Missouri. The terms of the sale were agreed to,...
View ArticlePersonal Investments • Anyone build a "TIPS" ladder with iShares...
I finally rolled my 401k over to an IRA and I'm ready to build my TIPS ladder to bridge to SS.Side note: I've needed to wait until 2024 to do the rollover to take advantage of NUA of company stock in...
View ArticlePersonal Finance (Not Investing) • Seeking Whole Life policy management...
Question in title. Is trading cash value for an increased death benefit a "thing" with USAA whole life policies? I don't need the cash now. My mother arranged each of these policies (on herself) for...
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