Search found 354 matches

by sc9182
Fri Sep 18, 2020 8:01 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

This may have been pointed out elsewhere, but to put some focus at the time of brokerage transfers: Fractional Shares could be liquidated prior to TRANSFER-OUT -- if incoming institution doesn't/doesn't-want-to handle fractional shares. On stocks such as GOOGL/AMZN ~~ such liquidated fractional-shar...
by sc9182
Tue Sep 15, 2020 8:42 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I am thinking about doing another brokerage transfer bonuses. I have done it twice in the past. All the basis were transferred without any problem. But I am still a little concerned about losing the basis. Has anyone had problem with transferring the basis? By regulation, they have to maintain cost...
by sc9182
Tue Sep 15, 2020 9:54 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Will just throw a kink - M1finance posted IRA transfer-in bonus to regular Brokerage account ! Will see end of year how they treat it (1099 or not). Wish they simply posted into IRA account itself -- which is what major brokerage appear to do .. keeping it simple, Tax-neutral for the filing year ..
by sc9182
Tue Sep 15, 2020 9:18 am
Forum: Personal Investments
Topic: Hiring my first employee, so will have to lose my Solo 401(k). What to do now?
Replies: 17
Views: 2024

Re: Hiring my first employee, so will have to lose my Solo 401(k). What to do now?

Would that person be somehow interested in participating in company 401(k) at your levels ? Can you sell 1 cent worth of stock to that person bring into partnership - and thus keep plan/participation intact ?

Just thinking aloud .. someone may chime-in more .. ?
by sc9182
Tue Sep 01, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

BTW, for the Chase private client bonus, a checking account is required but you don’t need to keep more than a token balance in checking. From the T&C: To receive this bonus, enrolled checking account must be open and in good standing at the time of payout. :!: I moved $100 into the new checking ac...
by sc9182
Tue Sep 01, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance repairs: deceiving contractor and ballooning extra costs
Replies: 6
Views: 828

Re: Home insurance repairs: deceiving contractor and ballooning extra costs

I had an aging roof and one day a guy from a roofing company stopped by and offered to get the roof replaced via homeowner’s insurance. .. filing complaint to county and state consumer protection services or I should give up and pay their demand? Another way to look at this: Good thing is you have ...
by sc9182
Tue Sep 01, 2020 7:22 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

With the TDAM Schwab deal closing in a few months, this may be the final chance to get in a TDAM bonus. Schwab does give out bonuses on occasion too, but tends to be stingier, IIRC. And I wonder if Morgan will keep ETrade bonuses once it finishes acquiring ETrade. I was specifically told by Schwab ...
by sc9182
Mon Aug 31, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 462094

Re: Share your net worth progression

2005 $17k 2006 $61k 2007 $105k 2008 $150k 2009 $193k 2010 $240k 2011 $290k 2012 $340k 2013 $390k 2014 $440k 2015 $490k 2016 $634k 2017 $777k 2018 $972k 2019 $1,434k 2020 $1,750k(YTD) (age 41) Goal is $3.2M Hope to reach that in the next 5 years, stretch goal would be $5M (that assumes another 2008 ...
by sc9182
Mon Aug 31, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks for the tip. I had never heard of M1 finance before. With M1 finance, Can I hold my mix of ETF and stocks at M1 Finance without doing their pie/slice model like a traditional brokerage? Thanks No, I don’t believe so. But you can have any portfolio you like as long as it’s a pie. Can you defi...
by sc9182
Mon Aug 31, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 462094

Re: Share your net worth progression

My Journey from 40$ to 4.25M 44H/41W with 2 Kids 02/28/98 40$ - Came to this country 12/31/98 5K Bought First New Car 12/31/99 12K 12/31/00 25K 12/31/01 57K 12/31/02 72K 12/31/03 105K 12/31/04 132K - First job with 6 digit comp - Job Change - Job Change # 1 12/31/05 160K - Bought Second Used Car 12...
by sc9182
Mon Aug 31, 2020 6:29 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone been able to get Fido to pay a retention bonus? I have over a million in a taxable account at Fido. I am tempted to get the current E*Trade offer of $3500. But if Fido can match the offer, it will save me the trouble of opening a new account and taking a small risk of losing records of t...
by sc9182
Thu Aug 27, 2020 2:38 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223362

Re: Post your Financial Milestone Announcements Here

Folks, A bittersweet milestone. A) With my severance pay plus market growth, I reached my FI target last weeK. B) I am laid off and unemployed. I guess it is a just-in-time milestone. KlangFool Klang: Congratulation on reaching your FI Target. A milestone is a milestone !! Good to cherish Hoping yo...
by sc9182
Thu Aug 27, 2020 11:24 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223362

Re: Post your Financial Milestone Announcements Here

So far this year my networth has increased $1,000 every day from 1/1 through today. How’s that for a milestone ? Congratulations but ... that doesn't tell us how well your asset is performing unless you also tell us the size of your net worth on 1/1 and whether you've added to your asset with new c...
by sc9182
Thu Aug 27, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Finding balance in life: When do you let up off the gas?
Replies: 105
Views: 9619

Re: Finding balance in life: When do you let up off the gas?

I'm confused - your ages and NW have both declined since this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=316064&p=5278151#p5278151 Good catch! Looks like this account might be a financial advisor or some media writer looking to pick the Bogleheads’ brains for content for free Litt...
by sc9182
Wed Aug 26, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 462094

Re: Share your net worth progression

As for many of us, we can't talk about or finances with those around us. So since we hit a new milestone ($5M total NW), I figured I would post our updated progression. This includes home equity of $1.175M. Looking forward to continuing the Boglehead ways to get to $5M in investable assets. 12/31/1...
by sc9182
Tue Aug 25, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Whose offer did they match? Citi? .. Etrade has a $3500/1M offer, I believe What once was Etrade $3500 promotion now sits at only $2500. I first checked with ETrade local-office to offer higher than their Web-site listed $2500 promotion. They were about to do it - but Schwab took'up on ETrade threa...
by sc9182
Mon Aug 24, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Whose offer did they match? Citi? .. Etrade has a $3500/1M offer, I believe What once was Etrade $3500 promotion now sits at only $2500. I first checked with ETrade local-office to offer higher than their Web-site listed $2500 promotion. They were about to do it - but Schwab took'up on ETrade threa...
by sc9182
Mon Aug 24, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Charles Schwab local office agreed to match $3500 transfer-in bonus offer on $1MM (after they spoke to their promotions team). Assets need to be kept/held for 1 year. Will be off M1finance, moving Rollover-IRA to Schwab in coming 3 weeks. Sure they can honor bonus for Brokerage accounts too - but do...
by sc9182
Sun Aug 23, 2020 5:09 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I, also, am wondering about the Citi offer. Any catches or gotchyas? Will I have to "consult" with one of their "wealth advisors"? ... Do you have/buy 1 share of UPRO OR URTY in your portfolio prior to transfer, The advisor sure to run away from you !! I've noticed Chase guy gave up real fast - whe...
by sc9182
Wed Aug 19, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Citi brokerage website is OK. Not great, not bad, basically workable. Easiest approach is to transfer in required securities, hold for required period and transfer out. They do charge $75 for complete transfers out. Thanks ! Do they support ACATS transfers ? Do you have any experience with their 'W...
by sc9182
Sat Aug 15, 2020 7:23 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

m1finance transfer/bonus update: Transfer-in took some time to get into their system (approx 2-3 weeks) - even though Fidelity released within 2nd day of receiving the Transfer-out request. So, there is 2-3 weeks in-transit time involved (the positions remained intact/fine/stay-invested, no problem...
by sc9182
Sat Aug 15, 2020 7:11 am
Forum: Personal Finance (Not Investing)
Topic: What is M1 Brokerage?
Replies: 9
Views: 1126

Re: What is M1 Brokerage?

m1finance transfer/bonus update: Transfer-in took some time to get into their system (approx 2-3 weeks) - even though Fidelity released within 2nd day of receiving the Transfer-out request. So, there is 2-3 weeks in-transit time involved (the positions remained intact/fine/stay-invested, no problem ...
by sc9182
Sun Jul 19, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19473

Re: Pandemic buys that have improved quality of life?

A new replacement builtin microwave $200 - self installed (previously installed new one broken - tad bit over 1 year !!) - Gotta heat milk for the Coffee ! Ordered a new non-Dell duplex color laser printer $121 - the previous Dell color printer chose to break down under 2 years (hard jam -- not pape...
by sc9182
Sun Jul 12, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: Are Roth IRAs “Pay taxes once and never again” really best?”
Replies: 131
Views: 11024

Re: Are Roth IRAs “Pay taxes once and never again” really best?”

Anyone donating tens of thousands to charity can likely fill up the standard deduction with interest from a ~$500k mortgage and $10k of property tax / state income tax. Not for those of us (1) with no mortgage (a mortgage can be a dangerous thing in retirement) who (2) live in a state with no incom...
by sc9182
Sun Jul 12, 2020 11:53 am
Forum: Investing - Theory, News & General
Topic: Are Roth IRAs “Pay taxes once and never again” really best?”
Replies: 131
Views: 11024

Re: Are Roth IRAs “Pay taxes once and never again” really best?”

For me, the ROTH IRA was the best option, because my 403b option has a 1.5% fee ON TOP OF the expense ratios of the investments. Your job/plan Specific issue - how does it apply to OP or in-general populace !? Does your plan allow in-plan migration to IRA - which you can take to one Fidelity or VG !!
by sc9182
Sat Jul 11, 2020 7:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yes 2 x $200,000 - one is a CMA and the other an IRA. Merrill Edge process was very smooth and easy. Chase Private Client not as smooth so far but I’ve finally got them where I want them. I’ve written on this up thread. FWIW: M1Finance Transfer-in took 15-20 days - their cust service reachable- not...
by sc9182
Mon Jul 06, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5890

Re: Boglehead Way to buy an Audi

Only thing I can recommend: Boglehead Way is sounds similar to: “buy at Aldi” (instead of “buy an Audi”)

Lease it - and lose it (End of lease term)
by sc9182
Fri Jun 26, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: Asymmetric risk in the Roth vs Traditional question
Replies: 297
Views: 13893

Re: Asymmetric risk in the Roth vs Traditional question

The way I see it, if it turns out that I am in a higher tax bracket in retirement, it means I "won the game." Being in a higher tax bracket is a good problem to have. The most likely scenario I see this happening is inheritance which gives me income that I am not currently counting on. In that scen...
by sc9182
Tue Jun 09, 2020 7:15 pm
Forum: Personal Investments
Topic: percentage of portfolio in Roth?
Replies: 72
Views: 3611

Re: percentage of portfolio in Roth?

just wondering what other are doing...do you have a goal percentage? I contributed mostly to 401k and IRA while working because I wanted to take advantage of the tax reductions and now as a retiree looking back, not investing in Roth aggressively is probably one of the worst financial decisions I m...
by sc9182
Thu Jun 04, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: What is M1 Brokerage?
Replies: 9
Views: 1126

Re: What is M1 Brokerage?

A few lines below TOD fees you may have quoted - “Direct Account Transfers”
Guessing this is what you have to look for Outgoing transfer fees of $100 . This ain’t necessarily cheap either !! (But half the $200 as mentioned$

https://www.m1finance.com/legal/disclosures/misc-fees/
by sc9182
Thu Jun 04, 2020 6:59 am
Forum: Personal Finance (Not Investing)
Topic: What is M1 Brokerage?
Replies: 9
Views: 1126

Re: What is M1 Brokerage?

You means M1 Finance !? And their Bonus $$ for transfer of assets/monies !?

https://support.m1finance.com/hc/en-us/ ... up-to-2500

Appears ain’t bad - Bonus monies appear good !!
by sc9182
Sun Mar 08, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: Where did RMD threads/noise has gone - over this round of market tumbling ?
Replies: 2
Views: 374

Where did RMD threads/noise has gone - over this round of market tumbling ?

It’s less than a month since markets have taken to cleaners. Not seeing much action/activity on RMD threads nor hearing much RMD noise! Is this due to markets (and portfolios) being down, or because of early in the year - hence not forced to make withdrawal decisions yet !? To give more jitters - if...
by sc9182
Mon Feb 24, 2020 9:49 pm
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 6022

Re: Net worth approaching lifetime earnings. How many years did it take?

Net worth approaching lifetime earnings. How many years did it take? With, or without accounting for inflation ? Lol, if folks are having hard time achieving 1.0 ratio as it is, you want to throw inflation math into it ! Good number of already low-Percentile folks will then be eliminated— making ha...
by sc9182
Mon Feb 24, 2020 9:21 pm
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 6022

Re: Net worth approaching lifetime earnings. How many years did it take?

Assuming wage increases by 2% and return is 7%/yr. If one saves 30%, it takes 33 yrs. If one saves 40%, it takes 25 yrs. If 50%, 19 yrs If 60%, 14 yrs Didn’t check math - but this (years) sounds about right. If you are able to front load your savings in early part of your career with decent salary ...
by sc9182
Mon Feb 24, 2020 9:04 pm
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 6022

Re: Net worth approaching lifetime earnings. How many years did it take?

Fun topic. I am 42 and about 1x. If I retire tomorrow (hypothetical), I would remain at about 1x due to low expenses. If I keep working, I would remain about 1x due to income tax bite and low forecasted growth for a conservative asset allocation. Ask this same question in 5 years, very possible I r...
by sc9182
Mon Feb 24, 2020 5:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

hotpancakes wrote: Mon Feb 24, 2020 4:31 pm Does anyone have any recent data points on whether Fidelity or Schwab offer retention bonuses? If so, how much? Thanks! :-)
Fidelity no chance - unless you have about $5MM;
Dunno about Schwab.
Heard ETrade can do upwards of $18k for $10MM
by sc9182
Mon Feb 24, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 6022

Re: Net worth approaching lifetime earnings. How many years did it take?

You will see good bit of younger folks get this ratio in good ranges- due to - awareness of FIRE, raising markets over past 11 years (almost), and not much raising salaries over this bull market period. If you are looking for such stats for folks working for 20-25 years., it is a bit harder - due to...
by sc9182
Mon Feb 17, 2020 9:09 am
Forum: Investing - Theory, News & General
Topic: 30 year Refi to increase retirement savings?
Replies: 14
Views: 1330

Re: 30 year Refi to increase retirement savings?

Disagree with this advice. The OP did not say "I can afford a 15 year payment while also saving for (or maxing contribs to) retirement." Thus, paying extra on a 30 would mean directing potential retirement contribs to the mortgage. This is not a good idea. Get a 30 year, save as much as you can in ...
by sc9182
Sun Feb 16, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: 30 year Refi to increase retirement savings?
Replies: 14
Views: 1330

Re: 30 year Refi to increase retirement savings?

Lawsuits aside - we are talking not-being-able to maximize retirement accounts and younger OP., and worried about Lawsuit/bankruptcy protection. Get Umbrella and don’t attempt financially high-risk moves! Now to the main point 15 vs 30 year mortgage term: Like others pointed about - while younger (a...
by sc9182
Sun Feb 09, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 9402

Re: I bought Consumer Reports lowest rated car...

It’s going to be moot point in near future - as American manufacturers announced plans of moving away from making us cars; instead focus on Trucks and SUVs. You may not see any US cars in there, let alone their ratings!?
by sc9182
Sat Feb 08, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 9402

Re: I bought Consumer Reports lowest rated car...

Nobody attempts to design and build a worst rated car. Good for OP to have achieved automotive Nirvana on cheap (didn’t even pay attention to crash ratings nor resale values). Even badly rated cars/manufacturers end up making a good vehicle - as a chance. Most of the unreliability is due to poor/che...
by sc9182
Thu Feb 06, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone done the M1 transfer bonus? How have you liked them? Any caveats/issues? It seems that is one of the few I am interested in (IRA, don't want to open additional accounts like for ME). Are in-kind transfers fine? The website for a transfer led me to a pretty primitive page. Had requested t...
by sc9182
Tue Feb 04, 2020 8:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8934
Views: 709849

Re: U.S. stocks continue to soar!

I test drove a Tesla and new Porsche Taycan yesterday and I would take the Taycan over Tesla any day. The Porsche Taycan will hurt Tesla's sales. Though it’s off-topic, needs clarity: different cars suit personalities/driving-styles. Re: “ Taycan will hurt Tesla's sales” - doubt if it will, by much...
by sc9182
Fri Jan 31, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 756
Views: 66075

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I personally know quite a few people who have recently retired that have warned me that they were definitely not in a lower tax bracket in retirement than when they were in their accumulation phase. While some of them have pensions, that is not the only income that is "filling up" their lower brack...
by sc9182
Tue Jan 28, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401988

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I saw an offer of a $5000 bonus for a $750,000 deposit at PNC (Bank) Brokerage. What’s the catch? Must be for a managed account, i.e. you have to sign up and pay an advisory fee. May be tad bit late, this promotion appears to be over, unless opened already !? Thought it was over at the end of last ...
by sc9182
Tue Jan 14, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 513
Views: 79156

Re: Relationship mortgage discounts for moving a million assets

Posting to see if anyone has updated rates for relationship-based mortgages. Below are rates I received from JPMorgan earlier this week: They allow 15% down payments without PMI. They also don't require points or any other fees other than those "to cover third-party costs incurred on a client’s beh...
by sc9182
Tue Jan 14, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 513
Views: 79156

Re: Relationship mortgage discounts for moving a million assets

RJ is still at 2.625% for 5/1 with no relationship with $1100 origination. If you are eligible, Navy Federal has excellent 3/1 rates and competitive 5/1 or 5/5 rates with no relationship. I just closed a 3/1 jumbo with no points/origination at 2.375 and they have gone down since then. I was eligibl...
by sc9182
Sat Jan 11, 2020 8:17 am
Forum: Personal Investments
Topic: Tax Deferred account: Are we top heavy?
Replies: 14
Views: 1497

Re: Tax Deferred account: Are we top heavy?

To add to what others said: $2million plus, many years to grow in tax deferred ; Plus decent pensions (on top of SS) is what/when you may feel Pre-Tax/tax-deferred buckets may have grown a bit larger % of your assets. There are similar variants of this concern, especially leading to many a RMD posti...
by sc9182
Thu Jan 09, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 82573

Re: Talk me out of buying a Tesla Model 3

I have been back and forth on a Tesla and the flood of comments about range and fueling miss, for me, a more relevant concern. By way of illustration: Whenever I encounter a Tesla driver I make an effort to learn of their experience. A recent encounter, with a 100d, revealed that in the 13 months o...
by sc9182
Sun Jan 05, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: Why all the angst about RMDs and taxes?
Replies: 177
Views: 13127

Re: Why all the angst about RMDs and taxes?

Five reasons to keep some funds in traditional IRAs, even for Roth IRA lovers : https://www.investmentnews.com/article/20190819/BLOG09/190819930 ! Definitely do NOT clean-up/Roth-convert traditional IRAs fully -- you could/may withdraw monies for multiple reasons with minimal/near-zero tax rates fr...