gunny2 - what do you do for a living?
If you're curious I'm retired from a long career in healthcare.
Ah, file sharing - I hadn't thought of that. Thanks.tuningfork wrote: ↑Mon Mar 25, 2024 11:57 amIf you configure your VM to allow file sharing between the guest and host...
Data please. Can you give a reference to an example of this having happened and how? Thank you.
+1.Rocky Mtn Man wrote: ↑Sun Mar 24, 2024 7:36 amDo you pay a state income tax? Is it high?
Treasury products (bills, notes, savings bonds) are state tax free.
Without knowing more I'll say "Yes" and "Yes".Pharm2012 wrote: ↑Sun Mar 24, 2024 9:34 pm I know 94.7% and 98.65% are very close, and probably don't matter much. For my own education, would TFFXX owe less state tax than TTTXX because TFFXX held more treasuries in 2023? If I owned TFFXX would I only have to pay state tax on 1.35% of the earned interest?
That's too bad.roamingzebra wrote: ↑Sat Mar 23, 2024 10:24 pm Thus ends my brief foray into Thunderbird encryption. ..
Hear! Hear!CloseEnough wrote: ↑Thu Mar 21, 2024 4:50 pmAs a response to the comment that if your research is not advancing mankind why do it, I would just say that actual good teaching is undervalued in a large swath of academia and research is overvalued. Good teachers that can influence the students in academia is as important, in my eyes more important, than the research. Isn't the primary purpose of higher education to educate?
A crude estimation isn't that hard. Do you know what your marginal tax rate (tax bracket) will be when ignoring the RMD? Take that % and multiply it by the RMD amount and that is about how much extra tax you'll pay with the RMD included in income.2020 ButClassic wrote: ↑Sat Mar 16, 2024 11:25 amI use a rough estimate of RMD taxes in calculators like FIRECalc. As I approach retirement I realize that unlike inflation and market growth, RMD withdrawals follow a unique math. How should I estimate RMD taxes when figuring out my expenses?
As a general rule, try to keep fixed income (such as bonds) in tIRAs and anything that might eventually become a tIRA (like a t401k). Try to keep efficient stock funds in rIRA and taxable. If you can't fit all your bond-like holdings in tIRA & t401k and need to use taxable accounts, then determine whether to use tax-exempt bond funds vs something like Treasuries (the earning from which may be state-tax exempt.)AavocadoArdvark wrote: ↑Sat Mar 16, 2024 7:20 amMy questions are about where to hold stock vs bond funds...
Without knowing more about your situation, VUSXX is a better choice than VMFXX.Needsomehelp wrote: ↑Fri Mar 15, 2024 1:00 pm
So, I go back and forth between simply putting it all in VMFXX and getting a return (that I think I would be exempt from state taxes becasue of their treasury compoment) and purchases treasuries directly.
That is my experience as well. I don't know of any local financial institutions anymore that will accept wrapped coins. Too many slugs, foreign coins, etc. They all have coin counters now. Just like they have automatic currency counters to look for counterfeits.SmileyFace wrote: ↑Sun Mar 10, 2024 8:02 pmThis is not true everywhere. My bank has a change counting machine in the lobby. Dump in a bucket of change and it prints out a reciept that you hand to the teller to deposit.
Mr Bogle felt there was no reason to own international. His reason: almost all US companies are multinational in practice. I agree with that position and haven't own anything but US stocks for well over 15 years.Younglearner wrote: ↑Sun Mar 10, 2024 1:04 pm PS. In my humble opinion I believe all people should own ex US stocks. But with that said, I do want to hear why some say 100% US as I have never really understood it/ source. Never found something on the bogleheads that fully states the reasons why someone believes in 100% US stocks.
I think a lot of VG's mailings are done by contractors.dollar_elbow wrote: ↑Wed Mar 06, 2024 2:16 pmI managed to call Vanguard twice, but they were unable to explain why I receive mail on both occasions, but they did confirm I have e-delivery on for everything. It seems like a waste of time pursuing this further.
Amish Furniture Warehouse.
You need to seriously consider that someone is using your SSN. Open an investigation with the IRS by first requesting transcripts of your tax returns for each of the years in question.
Which OS?
What is a "direct sold" plan/account/tIRA?tortoise1981 wrote: ↑Sat Feb 24, 2024 5:01 pm... to a direct sold plan... opening a direct sold traditional IRA ... into a direct sold account
I would switch this to VUSXX (Treasury MMF) to avoid more state income tax. VMFXX has fewer government obligations in its holdings.hacksaw2025 wrote: ↑Tue Feb 20, 2024 8:51 am 3) And $7k in the Vanguard Federal Money Market (currently contributing $1k per month). Emergency Fund?
Based on what you posted you should not invest this money at all. Put it in a safe place as your emergency fund.Colocha24 wrote: ↑Sun Feb 18, 2024 5:25 pmGreetings! I would love recommendations on the best thing to do with 12k cash that I have. I’m 32 years old and this summer I’ll be moving to Central America for an undetermined number of years to work an unpaid job in the public sector. (I plan to get a part time job to cover living expenses). My question is, how should I invest the extra 12k cash that I have now as to have something stored for my future?
Temporarily put it in Vanguard's VUSXX fund (Treasury MMF). It'll earn nice (maybe mostly state-tax exempt) income while you study up on what is the best thing to do with it. If you are in a no-state-income-tax state, then the default settlement fund will be good enough.wesley.burger wrote: ↑Sun Feb 18, 2024 4:47 pm I have recently received $700,000 (after tax) in cash and would like some advice on what to do with it.
Since she is the only economist then this is the most appropriate title.
I hired my first housekeeper in 1986. I was earning $40k/yr. The housekeeper wanted $100 to clean the house the first time (she showed me just how dirty it was) and $25/cleaning thereafter.theplayer11 wrote: ↑Thu Feb 15, 2024 12:44 ami’m actually surprised how many hire someone to clean their own house.
Good recommendation about thrift stores. I had two, virtually new (little worn) Hart-Shaffner-Marx suits I'd long outgrown that I donated to Goodwill. So you just never know what will show up there.
+1.Colorado14 wrote: ↑Mon Feb 12, 2024 11:08 amI agree with all other replies. Late September is likely to be a great time to visit Boulder. Yes, a wild and crazy snow event could occur but it's more likely that you will experience beautiful/mild weather.
How old are you? To some extent the fixed income duration plays into what you may want to do (if younger then a longer term duration is okay).stocknoob4111 wrote: ↑Fri Feb 09, 2024 9:47 am I am wondering what I should do with this cash. I ultimately want to get to a 80/20 asset allocation. Would you put the entire cash as a lumpsum into BND (Total Bond)? Or would you rather buy 3 year or 5 year Treasury bonds?