Personal Finance (Not Investing) • Re: Fidelity ERROR on Rollover - Having a...
Sounds like Fidelity totally botched the plan accounting, with Roth 401k gains apparently being treated as gains on pre tax contributions. If that is correct, 18,875 of Roth money went into a TIRA...
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Personal Finance (Not Investing) • Re: Is owning a business required to be...
Might be appropriate to pause replies until we hear back from SacramentoInvestor.... Statistics: Posted by FiveK — Wed Sep 18, 2024 10:47 pm
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Investing - Theory, News & General • Re: Inflation, Bonds & Retirement
I recall reading that there is a direct mathematical relationship between inflation and bonds. There is a direct relationship between changes in market yield and changes in market price. Not changes...
View ArticlePersonal Finance (Not Investing) • Re: 'HSA bank' to fidelity HSA transfer
I submitted a request to Fidelity to transfer cash balance from HSA Bank on August 11. It never arrived. Instead, I got a letter from Fidelity on Sep. 4 saying I needed to call HSA Bank. This happened...
View ArticlePersonal Investments • Re: Ass-u-me ing there is a USD & Stock Mkt Crash...
I want to turn all my investments into USD cash / pay my taxes and move on.Why would you want USD if the USD dollar is crashing (has crashed?)? Imports would go up faster than a local could pay in USD...
View ArticlePersonal Finance (Not Investing) • Re: Backdoor Roth /form 8606
Here's a simple exercise:In 2022, you make a $7,000 non-deductible IRA contribution and leave it uninvested. In 2023, you convert the $7,000 to Roth. In January 2024, you make a Roth contribution of...
View ArticlePersonal Investments • Re: Advisory fee ranges?
3. Any suggested Advisors who truly charge only a flat fee?Welcome to the forum. No suggested advisers, but Jason Zweig of the Wall Street Journal has a list of questions to ask prospective advisers.I...
View ArticlePersonal Finance (Not Investing) • Re: How to calculate mortgage payoff...
No need to calculate anything. As long as the savings account interest rate is greater than the mortgage interest rate you are coming out ahead with savings.This is correct (using after-tax yields)...
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Personal Finance (Not Investing) • Re: Determining CG tax
I have a quick question about how capital gains tax works. I have $331,000 in an international stock index that has $61,000 in unrealized capital gains. If I sell and withdraw $50,000 worth of shares,...
View ArticleInvesting - Theory, News & General • Re: Understanding Expense Ratios
Thanks. I do understand now. However I have looked at No Load funds that are in the same classification as Global Large Cap Growth and most have Net Expense ratios that are higher than 0.81% because...
View ArticlePersonal Consumer Issues • Re: When to rent a car (vs. drive your own)?
I've been known to drive almost 150 miles one way for lunch so I don't consider that "long distance".I've rented countless vehicles while on travel for work and vacation when I flew. I've only rented...
View ArticlePersonal Finance (Not Investing) • Re: IRS W-9 for 'Referral' Discount a...
If they issue a 1099, it is earned income. A 1099 is issued at $600 or more.That is not so. I get 1099's every year from banks and credit unions (and Vanguard). None of this 1099 income is "earned...
View ArticleInvesting - Theory, News & General • Re: WisdomTree GDE: 90% Large Cap +...
Here it is since 1978https://testfol.io/?d=eJyNkc1OwzAQhF8F7 ... jV8A12rJtmThank you for this. Playing around with the backtest, makes it clear to me that if I added gold exposure to my portfolio I...
View ArticlePersonal Investments • Re: Replace Bond Funds??
OK thank you. It was a long time coming to get the NAV back so I was just checking to see if there were any options that would not be as volatile to interest rates as far as losing my principal. Thank...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
I had an interesting wrinkle come up as I was shopping for a new i401k custodian and asking about bonuses. One brokerage told me there were no bonuses for transferring an i401k but if I converted it...
View ArticlePersonal Investments • Re: "No-brainer" to get out of stocks - I...
So I stayed 50/50... Rebalancing every time the market went up 5% or so.Is there any appreciable difference in "gains"...."or losses..." between balancing at 5% vs 10% AA deviations from...
View ArticlePersonal Consumer Issues • Re: Favorite Movies - Name Five
Im terrible at picking top10/5s. Here is a top of my head stream of conciousness not comprehensive list of movies that made a lasting impression...The Graduate,The Godfather (pt1&2)The Excorcist...
View ArticlePersonal Investments • Re: Direct deposit to VTSAX replacement
I thought you could automatic purchase into VTI, isn't it basically the same thing as VTSAX?Can you automate if it's a different dollar amount every week?Statistics: Posted by toddthebod — Fri Sep 20,...
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Personal Consumer Issues • Re: The rising cost of Toilet Paper. Which...
You are better off with wipes. More efficient. You can get singles packaged up to take with you when you are away from the house.Are these flushable and safe for septic system, or do they need to be...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity as a one stop shop
How many of those issues were for newer accounts vs people with well established accounts?Even the reddit threads seemed to indicate the issue was for newer accounts or people doing unusual...
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