Personal Investments • Re: Gifting to kids
I believe that your example of directly paying the college is 1 of the exceptions Along with paying medical expenses that Are not considered gifts for gift tax purposes.Interesting, so you're saying...
View ArticlePersonal Finance (Not Investing) • Re: eBill/BillPay vs new captive payment...
Don't these places accept credit card payments? I haven't needed to use a check or bank transfer in years to pay bills, even our property taxes get paid with ccYes, but with a fee. Which I refuse to...
View ArticlePersonal Investments • Re: Fidelity question
https://myguidance.fidelity.com/ftgw/an ... anding.gps try that while logged in. If it doesn't work, under all accounts go to more then click analysis.Thanks , that works.Statistics: Posted by...
View ArticlePersonal Investments • Re: Instrument that works like treasuries
Is there a TIPS version of SGOV?In other words, an ultrashort TIPS ETF? (Apologies if this doesn't make sense since the minimum TIPS term to maturity is 5 years.)No, there isn't any such product. It's...
View ArticlePersonal Investments • Re: Tracing 401(k) Mutual Fund Shares Commingled In...
bongo,Can you elaborate on "Average basis is also sold FIFO". Since Vanguard applies average basis to mutual funds sold in tIRA (not sure why it matters in tax deferred account), can you point me to...
View ArticlePersonal Investments • Re: Are Bogleheads too harsh on robo-advisors?
For the same cost, PAS provides a human to answer questions.Minor quibble, Van Digital Advisor is 0.15% while PAS is 0.30%; the cost is not the same.See Vanguard Advice Services, scroll down to...
View ArticlePersonal Consumer Issues • Re: Books on project management?
OP,https://www.amazon.com/s?k=one+minute+m ... le-20_6_11I recommend "One Minute Manager Meets the Monkey".https://www.amazon.com/Managing-Expecta ... C94&sr=8-4"Managing Expections" by Naomi...
View ArticlePersonal Investments • Re: Real estate as % of net worth?
OP,I do not count my primary residence as part of my net worth. Hence, it is 0%. This is probably not the answer that you are looking for.KlangFoolSame, I don't count home as part of net worth....
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Personal Finance (Not Investing) • Re: Should I continue using a soon-to-be...
I had a Mid 2012 MacBook Pro that still worked perfectly. I used it for a bit, but it just was a losing battle. Things just stop working.I formatted the SSD and recylced it.Your Mid 2015 might hang on...
View ArticlePersonal Investments • Re: Unable to Withdraw Cash from Vanguard Brokerage...
There is a one year hold on being able to transfer money out of the account and that this one year restriction is Vanguard’s policy!When pressed, he could not provide any specific language in...
View ArticlePersonal Finance (Not Investing) • Re: Refinance Mega Thread
When should I start looking to refi? Sadly, I locked in at 7.15% two months ago.Statistics: Posted by insaner — Mon Aug 12, 2024 1:57 pm
View ArticlePersonal Finance (Not Investing) • Re: Can’t decide whether to remodel house...
With interest rates dropping, there is no assurance how much or when, but there is the definite possibility that you would be able to refinance more than once over time while gaining some return from...
View ArticlePersonal Investments • Re: Move 401k to Rollover IRA
Thank You for the suggestion. My current employer 401K administrator is Voya financial and all my funds are in Vanguard Institutional Index Instl Pl (VIIIX) and it has 0.02% expense ratio. I will...
View ArticleInvesting - Theory, News & General • Re: Bottoms-Up approach to...
Yes, in that it provides us with clear ways segregate our money between our Taxable, Tax Deferred and Tax free accounts, target compounding interest rates to stay on track above the discount rate and...
View ArticlePersonal Investments • Re: Fidelity Cash Manager Problems
I am no longer sure what the benefit of Fidelity Cash Manager really is now, since SPAXX is an available core position option for a Fidelity CMA now.Personally never used Fidelity Cash Manager,...
View ArticlePersonal Investments • Re: [Help - Want to leave financial advisor]
What does the 1% AUM provide? Is it just investment advice, or does it include other aspects such as retirement planning, tax planning etc? Also how old are you? I am using planvision right now...
View ArticleInvesting - Theory, News & General • Re: The Day The Factors Died
And they benchmark themselves against the Rus2K, which sorta makes sense, but then, that's sort of assuming the argument (that you're already gonna be investing in small/micro).I read once that a...
View ArticlePersonal Finance (Not Investing) • Re: Any retired Feds not take Medicare...
There is a lot that goes into the decision. My parents were retired feds who never took Medicare B, and so are some of my siblings.We didn't opt for it for my DH who is pretty healthy and only takes...
View ArticlePersonal Finance (Not Investing) • Re: SSA now requi-Login.gov or ID.me acct...
Me neither. It isn't like they are going to change their mind. Further, I have heard that it is getting harder and harder to apply for benefits in person/phone.Statistics: Posted by jebmke — Tue Aug...
View ArticlePersonal Finance (Not Investing) • Re: Is It Safe to Keep Vanguard/Banking...
IMO they are not secure, but not for the reasons mentioned above. In Chicago (where I work), armed thieves will put a gun to your head, demand your phone, demand your phone passcode, demand that you...
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