Bogleheads.org

arcticpineapplecorp.

bigoilboomer wrote: ↑Thu Mar 30, 2023 3:32 pm My dad is 72. Between social security, pensions, his RMDs from his IRA, and the standard deduction, my parents are $15,000 below the cutoff between the 12% and 22% tax bracket.

My mom is 65. It looks like they'll be $15,000 above the cutoff between the 12% and 22% tax bracket when her RMDs start in 7 years.

are you counting all their social security or just the amount that's taxable?

what do you believe mom's RMDs will be starting in 7 years?

arcticpineapplecorp.

start here: https://www.ablenrc.org/state-plan-search/ Choosing an ABLE Account The ABLE National Resource Center recommends that you look for a plan in your home state first because it may offer a state income tax deduction or credit for contributions. The Medicaid payback provision may also be waived for residents who select their home state's ABLE plan. Though most plans are opened online, in a few cases, there may be a physical location where you can open an ABLE account and conduct business. You should therefore start by looking at your own state’s ABLE program. If your state doesn’t have a program, then you can get a program from an out-of-state provider. In that case, the most important factors to consider are: Whether the program of...

arcticpineapplecorp.

Tdubs wrote: ↑Thu Mar 30, 2023 6:07 pm Not only did your sister not listen to your general investing advice, she put her money into the very funds and FA you warned against. She doesn't want your advice, good as it may be.

Agree with this 100%.

OP when the student is ready the teacher will appear.

arcticpineapplecorp.

Rezgrrl wrote: ↑Thu Mar 30, 2023 3:44 pm
( If you're curious, I'm in what's called doing forced housing and can deduct my rent and utilities. If I can find the right software.)

Have you tried tax slayer?

Also can you tell us more about forced housing? I'm not familiar with this (and looked it up and didn't find much) and do taxes for VITA and would like to know more about what you're doing in case this comes up. Thanks.

arcticpineapplecorp.

You have to look at the ride along the way, especially for someone like the OP that is already getting antsy after a couple of bad years . I appreaciate your warning that stocks are risky, but you have misunderstood my motivation. I am not "antsy after a couple of bad years." I am simply discussing the sensibility of increasing equity at this time , supposing a permanent increase will be implemented at some time . The increase has nothing to do with recent equity returns. but the premise of changing one's allocation "at this time" does beg the question...if you're wondering if it might NOT be a good time to increase equity position ("at this time") then why would you continue to even hold your current equity p...

arcticpineapplecorp.

Never had any ...never wanted any. I keep hearing they are a great deal right now. So tell me... what is a good boglehead way to add bonds to my Roth IRA? my taxable accts? Keep in mind I prefer ETF's over mutual funds. And all accounts are at Fidelity. Only bond fund I'm truly aware of at all is TLT. Currently most of my cash is in a money market fund FZDXX earning 4.63%...is it worth it to move some of this to bonds?! Roth is a waste of space for bonds unless you're planning on taking money out of Roth for some kind of purchase in the near term then you could have that short term money in a short term bond fund. Otherwise, why waste tax free growth on bonds when stocks should outperform bonds longer term? fixed income/bonds is better for...

arcticpineapplecorp.

It's hard to comment on generalities. Did they substantiate that claim in any way? Basically said that with MF you pay capital gains every year as a function of other people’s sales of shares but with ETF only pay capital gains when your own shares are sold. I find it hard to believe there are any free lunches, so I’m curious. That being said, I know there is a trend for MFs to convert to ETFs, and I think there has to be something positive behind that trend. Dave There's this: ETFs are tax-efficient but not tax-free Investors should keep in mind that, although ETFs are highly tax-efficient, they may occasionally distribute capital gains. The primary goal of index-based ETFs is to track the target index as closely as possible. Maintaining ...

arcticpineapplecorp.

Whether we’re talking total stock market investors (VTI v. VTSMX) or factor junkies (AVDV v. DISVX), is the ETF structure just plain superior to the MF structure for buy and hold investors? I’m assuming similar holdings characteristics when comparing an ETF and a MF. Are there cases where the MF is preferred? Thanks, Dave All I can say is that I saw odd things happen during the Covid pandemic panic in spring of 2020. Bid/Ask spreads and NAV discount/premiums both widened. A Small Cap Value ETF that I owned was particularly affected. I also wonder about a liquidity mismatch between Bond ETFs that are liquid vs. individual Bonds that aren't all that liquid. This could create a problem during a panic. This is not to argue against ETFs, it is ...

arcticpineapplecorp.

zero_coupon wrote: ↑Wed Mar 29, 2023 3:52 am Suppose you desired a permanent increase in your equity allocation, expecting to improve long-term returns. Also suppose you had some rational economic concerns (potential recession looming, etc.).

how do you know it will be permanent if you are on the fence about having that "permanent" increase right now?

in other words, let's say we're either in a period of calm or let's say it's 2021 (up 25.67% and max drawdown for the year was only -4.46%, source) and then you wanted a "permanent" increase in equity allocation.

How would you feel about your "permanent" increase in equity allocation today?

arcticpineapplecorp.

I know the standard Boglehead answer, but current economic condtions do raise concerns. I suppose there are always concerns, and I suppose it's futile to outguess the market's pricing ability. However it seems corporations may struggle in the near future (of course, I have no information the market hasn't already considered). 1. remember the market is not the economy : headline from 1980: "Coming on Fast. The Slump of 1980 Will be Severe" actual performance of S&P500 in 1980: +32% 2 headlines from 2009: "Worst Crisis since '30s, With No End in Sight" "US Unemployment Rate Hits 10.2%, Highest in 26 years" actual performance of S&P500 in 2009: +26% 2. I think Warren Buffett has said he doesn't read econo...

arcticpineapplecorp.

Hi Paul. I haven't yet read Chris's Two funds for life (i have it though) but i was wondering how you square Chris's elimination of small cap value at around 67 (using the calculation you/he provided of holding 1.5 times age in target date and the rest in small cap value) vs. Fama himself having said in interviews if you're going to hold small cap value you've got to ride it out into the sunset (i.e, hold for life).

arcticpineapplecorp.

i wouldn't have a problem living on either $17,500,000 or $35,000,000. Making financial decisions entirely on the point they would have no effect on your lifestyle seems to be extremely simplistic. It seems to me there are many other criteria beyond that to consider. From Jack Bogle's book Enough : Based on this anecdote, Kurt Vonnegut wrote this obituary/poem for The New Yorker in May of 2005 . True story, Word of Honor: Joseph Heller, an important and funny writer now dead, and I were at a party given by a billionaire on Shelter Island. I said, “Joe, how does it make you feel to know that our host only yesterday may have made more money than your novel ‘Catch-22’ has earned in its entire history?” And Joe said, “I’ve got something he can...

arcticpineapplecorp.

yes, whenever i see posts like this i always think about addition by subtraction. or Leidy Klotz's book "Subtraction" or Eric Balchunus' keynote address at Bogleheads conference 2022 in which he talked about Jack Bogle (and the Ramone's) who gave us so much more by stripping away everything that was extraneous: https://www.youtube.com/watch?v=-WWLfZlcn-o&embeds_euri=https%3A%2F%2Fboglecenter.net%2F&source_ve_path=MjM4NTE&feature=emb_title the one thing i continually see is how complicated people like to make things assuming complexity is better than simplicity. "Simplicity is the ultimate sophistication" -- Leonardo DaVinci Agreed. There's a never-ending desire to try to outsmart the system. And one thing I ...

arcticpineapplecorp.

You’re right in isolation, but I think the previous user is saying compared to the primary alternative of just selling the stock and paying the taxes to buy the car, this is a risk of the covered call approach. It would also be a risk of the loan approach, too. Their response is loaded because this thread is supposed to be about writing covered calls, but they're responding to the idea of holding VTI until a lumpy purchase. Personally I'd set aside cash for planned lumpy purchases. Most definitely - setting aside cash and pre-planning big purchases is the optimal default. Life doesn't need to be this complicated, bending over to pick up every dollar. Holding volatile long duration assets like VTI for short-term purchases is usually a poor ...

arcticpineapplecorp.

THY4373 wrote: ↑Wed Mar 29, 2023 9:30 am
arcticpineapplecorp. wrote: ↑Tue Mar 28, 2023 9:50 pm
Could you live by yourself on $17,500,000? (i.e. half of current assets, in the event of split)?

if so, I don't see the problem.
Sounds like an easy statement to make when it isn't your $17,500,000.

i wouldn't have a problem living on either $17,500,000 or $35,000,000.

arcticpineapplecorp.

theophiled wrote: ↑Tue Mar 28, 2023 7:12 am Hello Boglers,

My approximate data is as follows:
+$9mm RE assets - ~ (no debt)
+$1mm Equities / Stock - ~
+$15mm Crypto - liquid
$10mm Venture funds (LP) / SPVs -
=$35,000,000

Could you live by yourself on $17,500,000? (i.e. half of current assets, in the event of split)?

if so, I don't see the problem.

arcticpineapplecorp.

original medicare covers 80% of the care. The other 20% would be covered if you sign up for a medigap plan or choose medicare advantage (which takes over for original medicare). you do have a medicare deductible with part B which is coverage for your doctors ($226 for 2023) to reach first before medicare kicks in it's 80% coverage. source: https://www.humana.com/medicare/medicare-resources/part-a-b-deductibles-review I wouldn't just have parts A&B only. I'd either get a medigap plan or medicare advantage. You might want to check with your SHIP state health insurance assistance program and ask a lot of questions before signing up. you also might want a part D (drug plan) if you need medications. Part A, B and medigap does not cover that.

arcticpineapplecorp.

OP- They mean what funds do you have the option to buy? I looked in my 403b plan and it appears I can choose the following: Stocks/Large Cap: FID Contrafund K6 (.48% ER) VANG Inst Index Plus Stocks/Mid Cap: VANG EXT Mkt IDX INS Stocks/Small Cap: VANG SMCPVL IDX ADM VANG TOT INTL STK IS Bonds VANG TOT BD MKT INST One other thing to note is I will have a decent pension when I retire as well as social security. I plan to eventually contribute to a Roth 403b (in addition to the traditional 403b), and once I've reached the contribution limit for those, I plan to contribute to a 457b as well. I just haven't gotten to the point where I'm able to contribute that much yet, but according to my budget, I should be there in another year or so. However...

arcticpineapplecorp.

Somehow now I learned more about finance now. I like to pick individual funds and follow the market to see how are we doing with our retirement plan. Will see how much do I know about the market, long term plan for retirement, along with RMD, tax planning, Roth conversion. I keep reading the blogs and feel smarter in this area. If anything unclear , I will post the question and hopefully will get some expert advice to enrich my knowledge. Someone said “knowledge is power !,” haha. Just kidding. Thank you for the advice. SD but a life strategy fund or a target date retirement fund holds the same individual funds you're likely to hold (i.e., the 3 fund portfolio consisting of total US stock, total international stock and total US bond, with ...

arcticpineapplecorp.

I foolishly did not understand the tax implications of this move. Because of the change in funds within the brokerage account, I now have over 23,000 in long term capital gains. I'm 42 and still working - my AGI last year was 56k. Is there a way to mitigate this tax burden, or do I understand correctly that I will have to pay 15% on 23,000? My account now offers TLH. I noticed in this other post that you contribute this per year: New Annual Contributions: 30,600 Brokerage: ~5,000 Roth: 6500 Work Retirement Fund: 2200 (employer provided, automatic) 457b: 13,050 HSA: 3850 If you cut the contributions to brokerage and the Roth (if you haven't already funded it) that could give you another $9450 (out of 11,500 to brokerage and Roth) to contrib...

arcticpineapplecorp.

It's dramatic title but European real estate ETFs have gone down by 40% last 12 months. What's happening? I know market isn't strong globally and interest rates are going through the roof but elsewhere the real estate funds have been performing more in par with the other market. I see -18.85% from March 2022-March 2023 source: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=2022&firstMonth=3&endYear=2023&lastMonth=3&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&...

arcticpineapplecorp.

Our lawyer charged $3,800 for a probate we just opened. It is also a simple $60,000 estate (all Ibonds). Don't ibonds allow you to name a beneficiary? If so, shouldn't that have passed directly to beneficiaries without the need for probate at all? Was there no beneficiary named on the ibonds? Yes, you can put a co-owner or a POD beneficiary. Unfortunately, my FIL had my MIL as beneficiary who pre-deceased him. I tried to get him to change the beneficiary, but one of his "good buddies" told him that wasn't needed. same thing with life insurance. when a spouse dies remains as beneficiary on the surving spouse's life insurance, that surviving spouse's life insurance will be subject to probate at his/her death since there's no longer...

arcticpineapplecorp.

1. first in order to determine what funds to choose from you have to list all the funds you have access to in your 403b. 2. you may have other accounts you don't mention (like either Roth IRA and/or taxable accounts). We need to know that in case you'd be better off filling in some gaps there that you don't have access to in 403b. 3. whether flcnx has a high expense ratio or not depends upon how much you are charged for that in your 403b. There is not "one expense ratio". The expense ratio could be one thing for your IRA but may be different in a 403b because your employer has an agreement/contract with the fund provider so we don't know the fee. You'll have to list that so we can see what you're paying in your 403b (along with a...

arcticpineapplecorp.

here's a couple posts to help:
viewtopic.php?t=397046
viewtopic.php?t=369316

and here's the pub to read up on requesting a waiver of penalty:

https://www.irs.gov/pub/irs-pdf/i5329.pdf

from one of the posts above:

secondcor521 wrote: ↑Sun Jan 30, 2022 1:49 pm Take a look at the last page of the instructions for Form 5329 where it talks about "waiver of tax for reasonable cause" (https://www.irs.gov/pub/irs-pdf/i5329.pdf). Generally that does involve taking the missed RMD as soon as possible. My understanding is that the IRS is generally lenient especially for first time offenders - he might want to use that phrase in their attached statement if it is in fact true.

arcticpineapplecorp.

1. first in order to determine what funds to choose from you have to list all the funds you have access to in your 403b. 2. you may have other accounts you don't mention (like either Roth IRA and/or taxable accounts). We need to know that in case you'd be better off filling in some gaps there that you don't have access to in 403b. 3. whether flcnx has a high expense ratio or not depends upon how much you are charged for that in your 403b. There is not "one expense ratio". The expense ratio could be one thing for your IRA but may be different in a 403b because your employer has an agreement/contract with the fund provider so we don't know the fee. You'll have to list that so we can see what you're paying in your 403b (along with an...

arcticpineapplecorp.

RyeBourbon wrote: ↑Mon Mar 27, 2023 6:37 pm
comfy wrote: ↑Mon Mar 27, 2023 6:36 pm
arcticpineapplecorp. wrote: ↑Mon Mar 27, 2023 6:32 pm
comfy wrote: ↑Mon Mar 27, 2023 5:42 pm Does anyone know any implications with it?
tax advantaged account (IRA/401k/Roth IRA) or taxable account?
In a Roth IRA.
Should be no implications then; just set it to reinvest dividends.

RyeBourbon is correct.

welcome to the group comfy.

arcticpineapplecorp.

PatrickA5 wrote: ↑Thu Mar 23, 2023 2:02 pm Our lawyer charged $3,800 for a probate we just opened. It is also a simple $60,000 estate (all Ibonds).

Don't ibonds allow you to name a beneficiary? If so, shouldn't that have passed directly to beneficiaries without the need for probate at all? Was there no beneficiary named on the ibonds?

arcticpineapplecorp.

is the 403b pretax or Roth 403b or do you have both (I have both pretax 457b and Roth 457b)?

arcticpineapplecorp.

comfy wrote: ↑Mon Mar 27, 2023 5:42 pm Does anyone know any implications with it?

tax advantaged account (IRA/401k/Roth IRA) or taxable account?

arcticpineapplecorp.

I agree with your synopsis.

Since she received more scholarship/stipend than the cost of qualified expenses you are looking at the excess as income right?

arcticpineapplecorp.

Opera Lover wrote: ↑Sun Mar 26, 2023 4:00 pm For reducing our risk, they would charge 1% annually. (Of course, in exchanging the taxable part of our portfolio, we would have pay taxes on about $200,000 of capital gains.)

I don’t quite understand why if we’re 99% sure of not outliving our money, we should move our money to a less risky allocation that’s so expensive.

pretty simple why:

Source

follow the money.

arcticpineapplecorp.

“Don't ask the barber whether you need a haircut,” --Warren Buffett 1994

arcticpineapplecorp.

The more I did into this the more questions arise. 1. Once I select a cost basis on a specific account do I need to sell future funds in that account with that same cost basis? 2. If I convert stock from an IRA to a Roth is there a cost basis I should consider? 3. What about selling the stock in the Roth account and taking cash? Any cost basis consideration? Thanks again! 1. probably. why would you want to change that when SpecID gives you the greatest control regarding tax implications? 2. If you convert from IRA to Roth you will pay taxes at ordinary income rates on the amount of the conversion. Cost basis isn't relevant in an IRA/Roth IRA (usually). It's more relevant in a taxable account since the cost basis is used to determine if you...

arcticpineapplecorp.

Gifting could be perceived as "hiding assets" when it comes to getting Medicaid benefits. I'm a little puzzled by an estate attorney who would recommend gifting the house. Does she have other assets that can be relied on 100% to fully cover any medical/care expenses? Medicaid would expect the house to be sold to cover as much of her expenses first before they would start paying for annoying. If Medicaid would never be a consideration, I'd still sell the house for simplicity. As far as the medicaid question goes she has enough additional assets to cover 5 years (lookback period) at the home of her choice before Medicaid kicks in. We worked all this out with her estate lawyer. but we don't know if the OP's mom has enough funds to p...

arcticpineapplecorp.

Lawyer told me I need to be carful, as anyone on their will could make it a hassle getting my money back.

if Lawyer can't help you be careful structuring this note, how can we help?

I think the Lawyer should write up things in a way that ensures you get paid back or can at least make a claim against the estate if there's no collateral to back stop the loan, right?

arcticpineapplecorp.

Bogle's Little Book of Commonsense of Investing
William Bernstein's The Four Pillars of Investing
Ellis and Malkiel's The Elements of Investing

arcticpineapplecorp.

You should not look at the cash flow statement in isolation. It’s best to read the income statement and balance sheet in conjunction with the cash flow statement to understand what the year over year changes were and how it affects the cash flow of the company. Reading the notes would be helpful to you as well. As to your question if the company is unprofitable, the income statement shows the company is profitable. Are you looking at this particular company for your schooling or for some other reason? I hold quite a bit of their stock. I am considering buying more. That’s why I am asking. what a coincidence! I own their stock too...along with all other stocks. That's the beauty of owning the market. You get to own all the stocks and not ha...

arcticpineapplecorp.

nisiprius wrote: ↑Mon Mar 27, 2023 7:31 am I just tried it right now and it is working for me.

I haven't kept any records, but I have sometimes gotten the impression that Morningstar is glitchy on Sundays.

i just got a similar issue after I clicked on data type "10k share return". Don't know if that was the problem.

arcticpineapplecorp.

You should not look at the cash flow statement in isolation. It’s best to read the income statement and balance sheet in conjunction with the cash flow statement to understand what the year over year changes were and how it affects the cash flow of the company. Reading the notes would be helpful to you as well. As to your question if the company is unprofitable, the income statement shows the company is profitable. Are you looking at this particular company for your schooling or for some other reason? I hold quite a bit of their stock. I am considering buying more. That’s why I am asking. what a coincidence! I own their stock too...along with all other stocks. That's the beauty of owning the market. You get to own all the stocks and not ha...

arcticpineapplecorp.

In addition to whether you claim him or not, the scholarship could be considered income if he didn't use it for qualifying educational expenses because you paid the $15k tuition with the 529, not the scholarship. In order to not count the scholarship as income (taxable) he would have to have spent it on qualifying educational expenses. Scholarship funds received in excess of your qualified educational expenses may be taxable and might need to be reported in your taxable income... What are qualified educational expenses? To avoid a scholarship being subject to taxation, you’ll need to spend the funds on qualified educational expenses. Generally, this means tuition and fees required to enroll or attend the eligible educational institution. Bu...

arcticpineapplecorp.

This is really a myth. Debit cards have the same de jure protections as credit cards when run as credit. The difference is practical. When someone does a fraudulent debit purchase you’re at the mercy of dealing with the bank to put the money back while it’s all settled. With a credit card you just don’t pay. And even if the credit card company sides against you, you always have the option to never pay. Why You Should Never Use a Debit Card To Pay for Anything Debit Cards vs. Credit Cards: Consumer Protections A debit card doesn’t have the same legal protections that a credit card does. Here’s a look at the basic protections and consequences of what happens in cases of debit card fraud versus credit card fraud, courtesy of the Federal Trade...

arcticpineapplecorp.

"I want my two dollars!!" Cute. Yup! I’m gonna let the U.S. Treasury keep my $7 and move on. I just wanted to be sure that leaving a balance for a tax year, albeit a credit balance, wouldn’t have some unintended consequence. I’m now fairly well convinced that there are none and the hassle of shaking down $7 from an IRS, that still hasn’t caught up from the pandemic backlog, isn’t worth it. Moving on. i'm not encouraging you to give up at all. I'm encouraging you to be as tenacious as that newspaper delivery boy. It's your money, not the IRS's. I'd either contact the IRS if you haven't, then if they won't resolve, reach out to my congressman/woman to as j.click suggested. Might knock something loose at the IRS. Your rep is working...

arcticpineapplecorp.

This is really a myth. Debit cards have the same de jure protections as credit cards when run as credit. The difference is practical. When someone does a fraudulent debit purchase you’re at the mercy of dealing with the bank to put the money back while it’s all settled. With a credit card you just don’t pay. And even if the credit card company sides against you, you always have the option to never pay. Why You Should Never Use a Debit Card To Pay for Anything Debit Cards vs. Credit Cards: Consumer Protections A debit card doesn’t have the same legal protections that a credit card does. Here’s a look at the basic protections and consequences of what happens in cases of debit card fraud versus credit card fraud, courtesy of the Federal Trade...

arcticpineapplecorp.

Does turbo tax know you got these state refunds in 2022 because you received a 1099-G and you reported that along with other income from 2022? Box 2. State or Local Income Tax Refunds, Credits, or Offsets Enter refunds, credits, or offsets of state or local income tax of $10 or more you made to recipients. These include refunds or carryforward credits of overpayments of tax due to refundable state tax credits and incentive payments that are paid under an existing state tax law and administered by the state taxing agency. Filmmaker incentive credits, home improvement credits paid in low-income areas, and solar panel installation credits are some types of state programs which are generally reportable in box 2, to the extent a refund is paid b...

arcticpineapplecorp.

"I want my two dollars!!"

arcticpineapplecorp.

I didn't spend too much on FSMAX (current value $2800), but right now it's down a much more significant percentage (-28.75%) than FSKAX (-11.8%). this appears to be from Nov 2021 to now. thing is, if we look at a much longer time frame back to 1993 (using vanguard's total stock market index fund vs vanguard's extended market index fund) because fidelity's only goes back to 2012 what we see is this: https://i.postimg.cc/MGvQNRrL/extended.jpg Source what do you notice? there were times when extended pulled ahead of total stock market and times when it fell behind. But over the long term (30 years so far!) they've been pretty similar with total market edging out 9.55% CAGR vs extended market's 9.47%. That's a difference of 0.08%, basically ki...

arcticpineapplecorp.

i wholeheartedly agree. And especially for those of us who can't attend in person, these are the next best thing. Thanks very much.

Eric Balchunus was an amazing keynote speaker in my opinion. His slides are fantastic, so knowledgeable, funny and so enthusiastic.

Thanks to everyone who put on a great conference, especially Christine Benz who I believe was responsible for organizing the conference this year and Rick Ferri for emceeing and everyone who had a part behind the scenes in making the conference a success. As my dear old friend Badger used to say, "First class! First class!"

2022 Conference Videos

arcticpineapplecorp.

Read this excellent article by fellow boglehead Jon Luskin called Are stable value funds safe?

You'll learn why stable value doesn't mean guaranteed value.

arcticpineapplecorp.

China represents approximately 8.40% of Vanguard Total International Stock Index. Best. Tony 8.40% is 8.40% more than I want of China in any index. I think Developed Market Index countries are closer to us in many areas. I might be giving up a bit of return by eschewing China, but I can live with that. Broken Man 1999 Or maybe owning china won't make much of a difference at all. If you own 20% international and say instead you do total not developed, 8.4% of 20% means china is only 1.68% of your total equity portion. Depending on how your allocation is it could make up less than that in your whole porrfolio. Say you're 60/40 stock/bond...china then only makes up just 1% of your entire portfolio. It ain't gonna move the needle either way. A...

arcticpineapplecorp.

MarkRoulo wrote: ↑Sun Mar 26, 2023 4:20 pm
What is so confusing?

Seriously, the best thing for you to do here is nothing.

+1

Opera lover why would you want to generate $200K in capital gains for no good reason?

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