Personal Finance (Not Investing) • 401(k) rule of 55: plan-specific?
Having turned 55 and hoping to retire before 59 1/2 I am very interested in the "rule of 55" but I'm seeing conflicting info about it.I originally thought that if you leave your job at 55 or later,...
View ArticlePersonal Finance (Not Investing) • Roth Conversions and the 8606 Form
New at this so talk to me like I'm 18.My wife and I have done backdoor Roths since the tax year of 2021. We've been working with a CPA since 2022. When I went to provide him with all of our stuff...
View ArticlePersonal Finance (Not Investing) • Roth Conversions and Turbotax issue
Background in 20231. I moved some 401K to Rollover IRA (preexisting) in mid-Jul2. Then converted some funds (more than #1 above) to Roth from Rollover3. Then make some deductible traditional IRA...
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Investing - Theory, News & General • Comparing VT, AVGE, and AVGV
I think it's interesting to compare these three fundsVT - Vanguard Total World StockAVGE - Avantis All Equity MarketsAVGV - Avantis All Equity Markets Valueprevious threads: AVGE, AVGV and...
View ArticlePersonal Finance (Not Investing) • Getting Your Money Back from an S-Corp
Over the past few years I've spent weeks studying S-Corp functionality, tax and basis. I want to verify that I'm understanding this correctly.The S-Corp has performed poorly posting losses and causing...
View ArticlePersonal Finance (Not Investing) • "Talking with Your Kids or other...
I've read Chapter 3 from "More than Enough" a bunch of times, which discusses talking, with some specificity, to your age 20-30s kids about the possibility and magnitude of a future inheritance.Just...
View ArticleNon-US Investing • Three fund portfolio and index funds, non-US
Is living and retiring in the US unique with regards to three-fund portfolio and passive index investing?What are the retirement plans for middle class Greeks, Portuguese, Argentinians?Can they even...
View ArticlePersonal Investments • Annual limit to the number of IRA to IRA transfers?
Is there a limit to the number of Ira to Ira transfers that can be completed in one year? Based on my research it seems that as long as the transfer is a direct trustee to trustee transfer there is no...
View ArticlePersonal Consumer Issues • Peach trees - protecting from freeze
We have two mostly mature peach trees in north GA which are in full bloom. We are projected to get about 12 hours of freezing weather Mon. night/Tue. morning, all the way down to 22 F. The trees are...
View ArticleInvesting - Theory, News & General • Vanguard research: Asset location...
Vanguard has recently published some research about optimizing the location (taxable or tax-advantaged) for various subclasses of equities. The research was summarized in a webpage published on...
View ArticlePersonal Finance (Not Investing) • Analyze my Social Security payout
I waited until I was 70 (2021) to take my social security. In analyzing my top 35 years of earnings, for 28 of those 35 years I exceeded the Soc Sec wage based limit, the other 7 top earning years I...
View ArticleInvesting - Theory, News & General • Do I need to amend my tax return if...
I entered the date wrong for clean vehicle placed in service. Instead of 10 for month, I mistyped 01. Do I need to amend my return. I am getting $7500 tax credit for the EV. Thanks.Statistics: Posted...
View ArticlePersonal Investments • UK taxes on distributions from 529 plans
Hello,We are moving to the UK from the US and are trying to figure out what do do with our 529 accounts. We have approximately $80k for each child. We are considering two main options: 1) simply...
View ArticlePersonal Investments • VBILX vs MassMutual Stable Value Diversified HELP please
Currently, I am invested in the MassMutual Stable Value Diversified for my fixed portion in my 457b account. I also have available Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX)....
View ArticlePersonal Investments • Don't know what I don't know
Hi --My husband and I are 37/38. We have lived pretty frugally and have worked hard at a simple rural life. We have 3 young kids and recently moved to a HCOL area in Utah for the outdoor life, work...
View ArticlePersonal Finance (Not Investing) • Corrected 1099s?
Are folks seeing many corrected 10999s this year? I've been holding off filing just in case, but its been a few years since I've received an updated one.Statistics: Posted by GuyInFL — Mon Mar 18,...
View ArticleInvesting - Theory, News & General • how well do these asset classes work...
I am thinking of re-jiggling my portfolio allocations. Want to eliminate momentum as a separate risk factor, and add some asset classes that were not available years ago in good funds, but now they...
View ArticlePersonal Investments • Employer 401k Investment Options vs. Self Directed
Hello Forum!I have an Employer sponsored 401k with limited fund options:5 Domestic Equity Funds3 International Equity Funds3 US Bond Funds1 MM FundBunch of Target Date FundsI also have the option to...
View ArticlePersonal Finance (Not Investing) • Form 8606 related question
In 2013 and 2014 I made nondeductible contributions to traditional IRAs (each 6.5k) for my wife and I and neglected to file Form 8606 with our tax returns. I am preparing to file amended tax returns...
View ArticlePersonal Investments • Reported bond fund return inconsistancy
Hi, need help understanding bond index funds. Take VBTLX and the equivalent Schwab SWAGX funds for example, both high quality intermediate bond funds with low exp ratios. If I look at the Yahoo...
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