Personal Investments • Nuveen - new sales charge
[Both these posts have been merged into a single new topic. Moderator Pops1860][OP, it's best to keep all discussion about a situation in a single thread, it helps members provide a more informed...
View ArticlePersonal Investments • Shifting funds from one 529 to another to get tax...
I have 3 kids in private (K-12) school. We can cash-flow their K-12 school. I'm comfortable with the amount invested for college in 529s (not concerned about overfunding) but I'm not interested in...
View ArticlePersonal Investments • Tax efficiency question
Retired. Time horizon considering health issues 6-10 years. Am single in 12-15% tax bracket. Thinking about selling all 200K of VBTLX in taxable brokerage account. This fund is currently down...
View ArticleNon-US Investing • Some (very) basic tax questions for US expats
Hi,I am looking at potentially moving to Serbia, a non-EU country in Europe, for several years. I would have a job with a subsidiary of a US company there, get a salary and bonus locally, and a RSU...
View ArticlePersonal Finance (Not Investing) • Calculating Social Security Survivor...
I have a two-year old with a second child now on the way. As I will be the only one working for some time moving forward, I wanted to reevaluate my life insurance needs.I went on the MySocialSecurity...
View ArticlePersonal Investments • Investing in a Bond Portfolio to Cover Mortgage Payment
I'm frustrated by not being able to figure out why an equal amount invested in a bond portfolio matching the amount of a mortgage doesn't produce equal cash flows to cover a mortgage payment. If, as...
View ArticlePersonal Investments • VNQ vs VGSLX
Both RIET's have the same expense ratio but obviously the only difference is VNQ is an ETF and VGSLX is a mutual fund. Which is the better option for long term exposure to real estate and should i be...
View ArticlePersonal Finance (Not Investing) • Is a part-Roth conversion considered a...
I inadvertently pulled 4k out of my Traditional IRA when trying to rectify a contribution I was not eligible to make. I understand that, per current law, the money cannot be restored to the rIRA...
View ArticleClik here to view.
Personal Investments • How to PULL 4% during Market Downturn? Yield Shield?
I am looking into the difference strategies approach when we start to pull our money at retirement. The author from the “Quick like a Millionaire”, use cash cushion and yield shield to mitigate the...
View ArticlePersonal Investments • Exchanging Funds to Lower Tax Drag
I've got a question about exchanging mutual funds in taxable accounts for cash in IRA, resulting in an overall lower tax drag. This gets into Capital Gains taxes versus Income taxes. Take it easy on...
View ArticlePersonal Investments • How to Analyze an Income Fund's performance when...
Good Morning!Q: When is it time to sell an Income Fund?I own FKINX ($32k), MHOAX ($76k) & MHITX ($78k) with Edward Jones (I know...), as part of my portfolio. In 8 years and 10 months I show...
View ArticlePersonal Finance (Not Investing) • Can I take and additional QCD after taking...
This year I have taken my RMDs as well as some QCDs to satisfy my RMD requirement. I had taxes withheld for the RMD portion. I have already had acknowledgements from the charities to whom I send the...
View ArticlePersonal Investments • TIAA Retirement Income Calculator
When I use the calculator, I'm able to edit most inputs except which assets are used in the calculation. By default, the calculator uses all TIAA assets, and I can't see a way to change that. Does...
View ArticlePersonal Finance (Not Investing) • Tax software options
(Yeah, there was a thread yesterday, but that poster's preferences and constraints were quite different from mine.)Been a handfiler (PDFs, printed and mailed) for a while. Considering making the jump...
View ArticlePersonal Finance (Not Investing) • Medicare premiums reimbursements from HSA
Just wanted to make sure of a few things.As a reminder, there have been threads concluding that one can reimburse oneself for healthcare insurance premiums from one's HSA. This includes Medicare part...
View ArticlePersonal Investments • Feeling Lost with 529s
Hello, I am a NJ resident with a two-year old. I have considered opening up a 529 plan, however, shied away from it thus far. I have $120,000 in VOO in Vanguard (S&P Index Fund) earmarked for my...
View ArticlePersonal Consumer Issues • Indoor air quality testing services
Has anyone ever contracted out indoor air quality / mold testing? If so, how useful was the info? This is actionable, as I am ready to hire and want to make sure we are not wasting our money.I know...
View ArticlePersonal Investments • Long term capital gains
Hi friends, I want to sell a fund in myTaxable acct which will create a long term capital gains tax. My effective tax rate is around 10% after my deductions. (With no deductions I’m a 22% tax rate)....
View ArticlePersonal Finance (Not Investing) • Getting a Website Built
I have a friend that is considering starting a business. It would involve connecting buyers and sellers of a service on a web site with some exchange of documents. I realize this is a "bare bones"...
View ArticlePersonal Investments • When one is ready to retire and pull out of the market.
Lets say you always had a magic number that when hit, one says "Cool, I am happy to retire with that amount and live how I want. Lets get out of the market."Granted the market is on a roll, but as...
View Article