Personal Finance (Not Investing) • Not understanding taxes and why I owe money
The trick is to find the sweet spot, where you withhold just enough to avoid the underpayment penalty. ("Safe harbor"). We always aim for having 90% + 500 cushion withheld from this years earnings,...
View ArticleInvesting - Theory, News & General • High Yield Term Bond Ladder Crazy or...
Some equity-oriented investors use a 50/50 HY/Treasury combo as their entire 36% fixed-income (cash alternative). When spreads are tight, they may increase the HY to produce more income, and when...
View ArticlePersonal Investments • Portfolio Review - about to retire, he is fine right?
Gosh can this be accurate? I consider myself to have modest needs but I don't think I could live on that, in my MCOL area.It's definitely possible assuming OP is Single with no dependents, I did a...
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Personal Investments • Starting to get a little queasy with my AA
So, here's my question ... If you add all the above up, my AA is 82% stock / 14% Bonds / 4% Other (mostly cash). According to T. Rowe Price, you are just about in the 15%-35% in bonds for your age...
View ArticlePersonal Finance (Not Investing) • [Using PayPal to pay bills and earn 5% on...
Electric company is gone from my saved bills and no longer shows up if I search. Gas company is still there (for now). I prepaid both in December for the Chase Freedom 5% so okay for now.Statistics:...
View ArticlePersonal Finance (Not Investing) • IRS 1040 / 8606 / where to track 403b
wife has a 403b account - and we both have Trad IRA and small Roth IRA Where exactly should we track and/or report the contributions and balances of the 403b with regard to our IRS 1040 ?I'm not sure...
View ArticleInvesting - Theory, News & General • What good is tax deferred?
I am retiring later this year. I'll be 64. Like many of my peers, I dutifully saved for retirement using traditional (tax deferred) IRA and 401K. In recent years, I have (strategically) converted a...
View ArticlePersonal Investments • Good or bad time to invest in S&P 500 for Roth IRA?
I'm 54 as well and am 100% in the S&P 500 index fund in our plan as it has the lowest ER and none of the other options justify their higher prices. Just keep DCAing into the fund - sometimes it...
View ArticlePersonal Investments • Help with low risk cash for nursing care
My father-in-law is currently in a skilled nursing facility and will be for the remainder of his life. Fortunately, he is on medi-cal and has secondary medical insurance through his state retirement...
View ArticlePersonal Investments • QCDs before age 73?
Yes, I think that there are advantages to starting now.You've implied that you're currently writing out checks to your charities so those charitable contributions have been part of your taxable cash...
View ArticlePersonal Finance (Not Investing) • Special Needs / Complex Trust 663(b) election
If it's TurboTax, try H&R Block, or vice versa.Thanks. Yeah, it's TaxAct which is all I can access on a MacOS since it's browser based.I've read TurboTax won't run on Parallels since you need a...
View ArticlePersonal Finance (Not Investing) • Help with Form 1041 Reporting of Real...
Assuming no one lived in the house after the date of the owner's death, I agree there should be a capital loss allowed as a pass-through to the beneficiaries. Without any unusual local circumstances,...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
Everybody can decide what they're comfortable with. I'm staying under the SIPC limits myself.I don't even understand the concern because it's a public company in business since 2015 so if there were...
View ArticlePersonal Consumer Issues • Portugal trip
Play around with the app, I was definitely able to set up a Bolt account with just a US number last year. Bolt is SUPER cheap in Portugal.Thanks for the replies. I've tried multiple time to get the...
View ArticlePersonal Finance (Not Investing) • Short Term Capital Gains vs Short Term...
I'm looking at a 1099-Div Consolidated Tax Form from Vanguard. In it they state as part of Box 1a Total Oridinary Dividends there is a very small amount of something called "short term capital gain" -...
View ArticleInvesting - Theory, News & General • Are ETFs Just Plain Superior To...
is the ETF structure just plain superior to the MF structure for buy and hold investors?No. IMO, the ETF structure is just plain superior only for brokerages that want to make more fees on trading and...
View ArticlePersonal Investments • Estimating dividends/interest in retirement planning
I'm curious if anyone attempts to estimate future dividends/interest as part of your retirement income planning? If so, how do you do it? DW will retire this year and I will retire next year.Yes, I...
View ArticlePersonal Investments • Where to cap 529 contributions?
Lots of threads on this on the forum, but the plurality opinion around here eems to be: "enough to fully-fund 4 years in-state tuition at the top (or most expensive) public university in your state."...
View ArticlePersonal Consumer Issues • Getting new car
OP, where in Denver are you going to live? It's a big place. In south metro, auto mile is on Arapaho Rd in Centennial near the executive airport. If your further south, Castle Rock and Highlands Ranch...
View ArticlePersonal Consumer Issues • Trip from KC to Bozeman
In terms of navigating the park is Gardiner a good entrance point vs west entrance?Hotels are cheaper in Gardiner.I just want the best experience and the hotel price is not that big of deal.If price...
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