Personal Investments • Any upside to rent vs sell?
A few;1) Diversification, if you own both houses then you will have over a million dollars in residential real estate which is likely in the same city. 2) It is very unlikely that your current house...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
I've tried to be patient, but I'm starting to get fed up. Meanwhile. the website still advertises the CMA account as an entirely functional replacement for a checking account. It even questions where...
View ArticlePersonal Consumer Issues • Does anybody regret pulling the plug on Quicken?
I stopped using Quicken years ago when I realized that I never actually did anything with the data. During my working years, my wife and I simply set savings/investing goals (accomplished via...
View ArticlePersonal Investments • How to rebalance former Schwab Intelligent Portfolio...
They do so to get tax loss harvesting pairs.If you had "tax loss harvesting" turned on, they will swap the Schwab fund for an outside fund to avoid wash sales. They will swap it back again in the...
View ArticleInvesting - Theory, News & General • Roth: Which shares to sell within...
My brokerage allows me to specifically identify the shares in my Roth that I want to sell. While it makes zero difference tax-wise, I like to keep the big lots of 100, 500, 1000 shares and sell the...
View ArticlePersonal Finance (Not Investing) • Vanguard Roth Conversion website and tax...
Do NOT pay withholding from the conversion from an IRA account. That reduces the amount you may convert in the future-among other things.Pay it from a non-tax deferred account. Just make an estimated...
View ArticlePersonal Investments • CDs or money market
I have 2 CDs that recently matured - so the funds are sitting in the Vanguard Federal Money Market fund - Settlement Fund. ($7900 in tIRA and $24k in Roth). I'm kind of paralyzed as to what to do...
View ArticlePersonal Finance (Not Investing) • [Dropping Merrill Lynch Advisor]
Another caveat is your ML advisor may put you in funds with high expense ratios that benefit ML, along with you paying the advisor's fee. That is not an uncommon strategy at large brokerage businesses...
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Personal Investments • Brokerage bonus clawbacks - tax implications
Why are you arguing? I told you how I would probably report something like this, and if the IRS disagreed, so be it.The truth is there isn't a good answer to your question, and you can find plenty of...
View ArticlePersonal Finance (Not Investing) • Are capital gains taxes owed on IRA-ROTH...
You don’t owe any taxes on qualified roth-IRA distributions after the age of 59.5… the contributions are post-tax income and the interest earnings are tax free after 59.5. Is that what you’re asking...
View ArticlePersonal Investments • Going rate for assets under management?
These 2 statements are incongruent with each other.A colleague of mine who is rather savvy suggested that I take this news to this very forum (which I had not heard of until the other day) and watch...
View ArticlePersonal Investments • IRA Financial
Does anyone have experience establishing a SOLO 401K with IRA Financial, I am in the process and it's been quite a burden getting the documents needed from IRA Financial to Fidelity particularly the...
View ArticlePersonal Investments • Where to put cash for a CA resident in the highest tax...
I would keep my cash in my tax-advantaged accounts, invest in index funds in my taxable account, and rebalance between the two as you need the cash for spending.Statistics: Posted by toddthebod — Mon...
View ArticlePersonal Finance (Not Investing) • How Much do you gift your children?
OP, this topic has come up in past forum threads. The discussion in this thread and others cover a variety of view points. Hopefully you will find one/some (likely not all) that resonate with you to...
View ArticleInvesting - Theory, News & General • [Vanguard Class Action Lawsuit Over...
Over the weekend, I emailed the info@strategicclaims.net link asking about how to file online with no apparent link to do so and received reply this morning that the online claim form is not yet live...
View ArticlePersonal Investments • Does anyone else really not want to rebalance now?
I will start adding to any low allocations after Jan 1 with new contributions after I check the end of year balances in all accounts and funds. Given the past year, I will likely be buying bonds and...
View ArticlePersonal Consumer Issues • Mold remediation
Gonna give my perspective.All this is to say try to do the simple things if you can. Find someone willing to scrub and disinfect first. If you must demolish and repair make sure it is a turnkey quote....
View ArticlePersonal Investments • Sell VFIDX at a loss
VFIDX, intermediate term investment grade is my largest holding in my 401k rollover. It still has a loss of -94600. The other holding is VWILX, international growth. VWILX should be in a tax deferred...
View ArticlePersonal Finance (Not Investing) • QCD's and RMD's
If your QCD target is less than the RMD amount and you want to limit your withdrawals to the RMD amount, you should take the QCD withdrawals first before taking the rest of your RMDs. In this...
View ArticlePersonal Investments • Anyone else have trouble tolerating bonds?
But if you are focused on treasuries, buying individual bonds that mature when you want or need them to may be the answer people are looking for. You won't lose your principal if you wait to...
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