Personal Consumer Issues • Should I spend $1500 for a kitten?
We've had rescue cats and dogs our whole life, include an ex-racetrack greyhound, abandoned feral kittens, and giving a permanent indoor home to the neighborhood street cat / semi-stray.After the...
View ArticlePersonal Consumer Issues • Caffeine Free Chocolate
Is there a caffeine-free chocolate powder for making a hot chocolate drink?Statistics: Posted by sport — Mon Dec 25, 2023 9:39 am — Replies 2 — Views 229
View ArticleInvesting - Theory, News & General • Quick tax loss harvesting question
I’m thinking about re-structuring my bonds in taxable accounts. I started out holding a mix of vanguard intermediate term tax exempt and California intermediate term tax exempt funds. I have migrated...
View ArticlePersonal Finance (Not Investing) • Self Employment - Estimated tax
Hi, Me - W2 employee - made about 300k in 2023Spouse - Was W2 employee for first half of 2023 - made 42 K. Then became a LLC as an independent contractor (IC) and made about 32K starting in August...
View ArticlePersonal Consumer Issues • How to I (safely) heat a cold bedroom?
We have two bedrooms in our home (which is 70 years old) that stay cold in the winter. They get down to about 66-67 in the winter, while the rest of the house is stable around 72. I've had our HVAC...
View ArticlePersonal Finance (Not Investing) • HSA Deduction entry on tax form 8889
I've been in my employer HSA for several years. Today I noticed that line 13 "HSA Deduction" from form 8889 from my 2022 tax filing says 0 even though both myself and employer contributed to it. I...
View ArticlePersonal Investments • College Short-term Invest Strategy- 529 CDs??
My son is a Senior and is graduating in May 2024. I was able to tuck away some money into Ibonds a couple years ago when they were at their peak recently. It was also nice that using them for College...
View ArticlePersonal Finance (Not Investing) • Reverse Rollover, Recharacterization,...
Trying to determine how reporting works on Form 8606. My wife has a basis of ~5000k from prior year in her Traditional IRA. Earlier in the year we did a reverse rollover of funds from her traditional...
View ArticlePersonal Investments • Opening Joint Brokerage Account with Canadian Spouse
Hi everyone,Long time lurker, first time posting. Thank you for all the valuable information over the years!I’m wondering if anyone has insight into tax implications when a US citizen opens a joint...
View ArticlePersonal Finance (Not Investing) • Roth and Backdoor Roth in same year?
My daughter is not covered by a qualified retirement plan (start up, limited benefits).She'll contribute directly into her Roth and deduct that on her taxes. Can she also contribute to a...
View ArticlePersonal Finance (Not Investing) • Help me think through this- sell rent house?
I'm considering selling my rental property. It's a 3/2 home, built in 2016. I've been blessed with good tenants, low maintenance/repair costs. It's always been very easy to rent in the past because...
View ArticlePersonal Investments • Remaining Interest from Last Year's Backdoor Roth IRA?
Background: When I did a backdoor Roth IRA in January 2023, I didn't know if I could covert the tiny bit of interest that built up on top of the $6,500 I contributed days earlier to the traditional...
View ArticlePersonal Investments • Tax loss harvest fund after previous small fund...
Good morning. Thank you for your assistance in helping me understand the process better. I have capital gains from other mutual fund distributions that I am trying to offset with some capital losses....
View ArticlePersonal Finance (Not Investing) • joint accounts and "gifts"...
I have a weird case here and am trying to understand the tax scenario here.There are two joint accounts (See below) and 3 people involved (persons "A", "B", and "C")Joint account 1 = A + BJoint...
View ArticleInvesting - Theory, News & General • Taxes: Long/Short term losses,...
I would know to know how much of long/short-term losses among spouses can be used to offset income from dividends and interest when filing jointly. For instance, can capital losses from one spouse's...
View ArticlePersonal Consumer Issues • Paramount+ and other Streamers...What Am I Missing?
I decided to sign up for the one week free trial of Paramount+ via my Comcast Xfinity account. It won't allow, and says it won't allow, fast forwarding, rewinding or pausing. Without that, to me, it's...
View ArticlePersonal Finance (Not Investing) • Conversion /Direct Transfer from pretax...
Hello,If a direct transfer from former employer plan is initiated (check is cut and mailed to self directed Roth custodian -IE Vanguard FBO John Smith Roth IRA) but the funds don't get deposited in...
View ArticlePersonal Investments • Max out Roth 401k? Convert to top of 24% bracket? Help!
Hi All, We're in our mid 50s, married and living in Texas. INCOME:Wages $142K (Plan to mostly retire in 2026)Pension $27K (Increasing to $39K in 2024 and finally $77K in 2025 continuing for...
View ArticlePersonal Consumer Issues • Which iPad To Get
My wife and I want to give each other an iPad as belated Christmas presents, and we are trying to decide which one to get. We both have iPhones, but want something larger and easier to read when...
View ArticlePersonal Investments • Where to see updated positions after order execution...
Hi,We used TD Ameritrade in the past. Whenever an order was executed in TD Ameritrade, we could see Quantity of positions changed immediately with updated % of account for each position. Since moving...
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