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Personal Finance (Not Investing) • Re: $80k long term capital gain this year
What you mean? I do Roth 401k and don't pay any extra taxes.You do, by not getting the deduction from your gross income that you would get if you contributed to the pre-tax ("traditional") side of...
View ArticlePersonal Finance (Not Investing) • Re: Career Advice: Finish CFA and get new...
We cannot get into politics here but to me this looks like an especially bad time to be making a big career change. It might make sense to put any big decisions on the back burner for six months and...
View ArticlePersonal Finance (Not Investing) • Re: Urgent-Help with Serious Work Issue-...
I wouldn't bother with a lawyer, 49 states are at will employment and they don't need a good reason to get rid of you. A lawyer will just use up your funds.These types of cases are taken on...
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Investing - Theory, News & General • Re: Vanguard Cuts Fees across range...
Wow. Would others such as Black Rock, Fidelity and State Street follow suit.I had already moved lots of $ to ishares and schwab ETFs. This is Vanguard playing catchup in many cases.For instance SGOV...
View ArticlePersonal Finance (Not Investing) • Re: Our savings rate is reasonable. Why do...
How about a growth assumption of 0? Will that double it? I would call that reasonable given how high returns have been lately.rogue_economist,A) May I know what do you actually mean by growth...
View ArticlePersonal Consumer Issues • Re: New 2025 Tesla Model Y
Is your 24 Model Y the performance model? I've heard the performance can be rough and the road noise is sometimes excessive.Not the performance. Dual motor all wheel drive.Thanks. Will have to take...
View ArticlePersonal Consumer Issues • Re: Ooma VOIP service?
On the Ooma forum, user writes on Mon Jul 25, 2016 8:30 am: Ooma Touch-Tone problems | pg 3 Just got this from Advanced Troubleshooting, and IT WORKED!!! Thank-you!Was your phone connected to the Ooma...
View ArticlePersonal Consumer Issues • Re: checked luggage: amazon basics ($86) vs...
I bought my soft sided four wheel Samsonyte suitcase at Ross dress for less for $60. I have used it for years including going on many international trips. I can’t imagine what people do to their...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity as a one stop shop
Sorry this may have been asked. I read some months ago that CMA can now use MMF as the settlement fund. If true, is there any reason why one would open the regular account (no reimbursement ATM fee)?...
View ArticlePersonal Investments • Re: Bernstein makes me wonder if I'm doing bonds all...
The best laid plans of mice and men...My Roth-IRA has a long time horizon (hopefully I'll never touch it) so its predominantly intermediate corporate bonds (in 3 balanced funds) are appropriate.Thanks...
View ArticlePersonal Finance (Not Investing) • Re: Umbrella Insurance Provider
Are there any first-hand experiences with using an umbrella policy (making a claim) that is with a different insurer than the underlying homeowners or auto policy where there were problems with some...
View ArticleInvesting - Theory, News & General • Re: Investing when you don't expect...
Actually gold frequently has use during the event itself as well. Gold could buy a horse and buggy out if Atlanta in 1864, exit papers to go into neutral Switzerland in 1939, a seat on a chopper in...
View ArticlePersonal Finance (Not Investing) • Re: My Condo's HOA (in California) fire...
Currently dealing with a similar issue. My condo (townhouse of 13) master policy was dropped sometime in early 2024. The HOA never told anyone, so I'm trying to figure what to do in this situation. I...
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Non-US Investing • Re: Maybe I need to retire, but can I? [US, Canada]
Thanks!I have just checked the stocks part used in the simulation posted by OP in their first postIt says: "Stock are represented by large cap US index funds (S&P 500)." (bonds is 10y US...
View ArticlePersonal Finance (Not Investing) • Re: Prenuptial Agreements - General Advice?
There is plenty of data, even a cursory Google search can turn that up.States are "following" the law insofar as they interpret it. But basically states won't enforce "Unconscionable" terms or terms...
View ArticlePersonal Investments • Re: Get Out of Bond Funds
I'm just dumb enough to be dangerous to myself.Not at all.You posted so people could talk you out of changing your asset allocation to chase performance. That's smart.Do you need more talking out of...
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Personal Finance (Not Investing) • Re: Land in Arizona-How to get rid of
Hello, My parents just went to assisted living. They have about 20 acres in Arizona that is only worth about 4K and has not increased in value in 75 years. It has no access and no water. My father...
View ArticlePersonal Consumer Issues • Re: [Wiki] New page about Online Account Security
Just tossing theae out there in the hopes they may be usefullPassword Security Best Practices for 2025 | Crowe LLPKrebs’s 3 Basic Rules for Online Safety – Krebs on Security[Links formatted by admin...
View ArticlePersonal Investments • Re: ESG Criteria & weapons exclusion help. No...
I use VFTAX for my ESG holdings (a few % of my portfolio). Probably not the level of detail you're looking for, but the product summary is good enough for me, and it does address your main area of...
View ArticlePersonal Finance (Not Investing) • Re: free fillable mistake, amend?
Hello all, thanks for reading and any insight.I filed the 1040-x in 07/18/2024, the return got "adjusted" 10/18/24, and the return got "completed" on 11/08/24. That's great, but where is the money...
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