Personal Investments • 80yo Brokerage Account All Stocks
I have an acquaintance who is 79 years old. She still works very part time and lives reasonably well on SS and the income from work and 30k in CDs. No debt, lives simply. Rest of family seems to be...
View ArticlePersonal Consumer Issues • Costco Discounts? AAA discounts?
I recently got a Costco membership, mostly for the tire shop and warehouse....but starting to learn it may bevaluable for other discounts like car rental.Unfortunately, I can't seem to find any link...
View ArticlePersonal Consumer Issues • Booking a multi-city flight versus two separate...
Is there a real advantage of booking multi-city instead of two one way tickets with the same airline? Booking with miles and price is the same. I should also mention that it is with American Airlines...
View ArticlePersonal Consumer Issues • Products for reducing plastic waste at home:...
I took stock of all the plastic we "recycled" the other week and was surprised how much we use. Knowing that most of what goes into the recycle bin is really going to end up in the landfill, we are...
View ArticlePersonal Finance (Not Investing) • Solo 401k contributions
I have a side business that is viewed as an S Corp. I set up a solo 401k at Vanguard at the end of 2023 and made roughly $14,000 in contributions. When doing 2023 taxes, can the roughly $14,000 in...
View ArticlePersonal Finance (Not Investing) • IRS Transcript available for 2023 tax return
I was very surprised to see that the IRS transcript is already available for the 2023 tax return that I filed approximately 2-3 weeks ago. The IRS definitely appears to be more efficient this tax...
View ArticlePersonal Finance (Not Investing) • MFS and capital losses
I got married in 2023. I have ~$30k in capital loss carryover I've been using as an individual, so I have been deducting $3k from my income each year.My spouse has no capital gains/losses and we need...
View ArticlePersonal Investments • Constructing a TIPS ladder
I’m 81 and my wife is 77. If I want to construct a TIPS ladder, to start next year, in my rollover IRA account how far out would be an appropriate number of years? I’m thinking that 15-20 years should...
View ArticlePersonal Investments • Bogle head strategy
Hello,Could you kindly help clarify the Bogle head strategy now that we have retired?We have around 50 years old.Let's say we have 80% ETF's and 20% bondsdo we just draw down our bonds as spending...
View ArticlePersonal Finance (Not Investing) • Not so Wise money transfer (international...
My family booked a private one week tour in Mexico. The tour guide asked that we pay him via money transfer. I was a bit leery about this at first, but it seems that this is a somewhat common method...
View ArticleNon-US Investing • Non-Dividend Alternative to Bonds (and Bond ETFs)
Hello, and thanks to all the great people sharing knowledge here! AFAIU, bonds (and bond ETFs) have two characteristics: they generate fixed income, and they (arguably) serve as a "dampener" for stock...
View ArticlePersonal Finance (Not Investing) • Amica Insurance Question
Due to a recent excessive hike on my personal insurance policies, I have been forced to look for alternatives. Amica seems to have good rates for my Home, and Auto. I've a primary home in Washington...
View ArticlePersonal Consumer Issues • 2023 Mustang Mach E GT Lease or Purchase
Hi all, Trying to help my son determine if a lease quote or a purchase makes sense. This is a new vehicle with no miles. Here are the details: MSRP. $54,908, Markdown price after dealer and mfg...
View ArticlePersonal Investments • California taxation of dividends: is H&R Block...
There have been several past threads about when you do, or don't, get to exclude dividends from U.S. government obligations from your California income, and in particular when you're allowed to...
View ArticleInvesting - Theory, News & General • Swapping FDLXX and FSNXX in taxable...
We're saving for a house within the next 5 years so have ~$200k currently in FDLXX in a brokerage account. I see on the MM Optimizer that at our federal and state/city rates, FSNXX currently has a...
View ArticlePersonal Consumer Issues • Lastpass is removing grid as a 2FA option, what to...
I received notice that Lastpass is removing grid as a 2FA option (I have the LP premium). I used grid as a "backup" to my normal 2FA option using a phone authenticator on my phone, in case I lost my...
View ArticlePersonal Investments • How Tax Efficient Were Your Taxable Investments in 2023?
For my taxable Index Fund investments (Vanguard index funds, emergency funds held in MM NOT included) I generated:1.58% in qualified dividends0.7% in non-qualified dividends1.16% in STCG (this is due...
View ArticlePersonal Investments • Vanguard 529: underwhelming approaching college, options?
Hi folks, I'd like to get some input on either switching investments within Vanguard's 529 plan, or else switching away from Vanguard's 529 plan entirely and going with someone else. I've got two kids...
View ArticlePersonal Finance (Not Investing) • trouble printing statements
I'm having trouble printing statements. I can pull up the list of statements for 2023. I print one statement for February. Then the second statement that I want to print from February or any other...
View ArticlePersonal Finance (Not Investing) • Avoiding tax in the non-resident state
Good afternoonI work remotely in MO but live in FL. I read through this topic some and my understanding is that when one lives in one state and work in a different one, state where income is earned...
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