I am 43 and have been 100% stock for some time now, I've been lucky as of late but I'm ready to start on a glide path towards a target bond allocation that will grow in share of portfolio as a I age. I'm 43 and considering 13% today, 20% at 50 and 30% at 60, more or less. I am familiar with the concept of asset location and want to keep bonds in the traditional, pre tax portion of my 401k. The equity portion of my 401k is a low cost Vanguard S&P500 index fund for what it's worth. My taxable is all VTSAX. The only attractive bond option in my 401k (outside of 2 PIMCO bond funds with ERs ..read more

So the transfer forced a sell. Would you have sold otherwise? Would you have done an in-kind if you could have? If so, there’s your answer — buy back to your prior AA/holdings (or their closest ETF equivalent) right away in a lump sum. valgen630 -- This: "Would you have sold otherwise? " Statistics: Posted by RetiredAL — Thu Sep 12, 2024 11:27 am ..read more

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I have a potential future home down payment nested within my fixed income allocation because I don’t know when, if ever, I’ll buy a house. I don’t want to carve it out and put it in a separate cash bucket since this would risk lost growth/income over the long term (which already happened once, hence my lesson learned). My question is: given the uncertainty of the timeframe in which I would buy a house (could be anywhere between 1 year and 15 years), should I: -Put it in a bond fund or roll treasuries? -What duration? Short term bond fund. VBIRX. Statistics: Posted by BitTooAggressive — Thu ..read more

Just for clarification and my sanity, AGI does not have the standard deduction or itemized deductions subtracted but MAGI does have the standard deduction or itemized deductions subtracted? Thanks in advance for helping me with something I should be able to figure out myself. AFAIK, Magi does not have the standard deduction or itemized deductions subtracted either. https://www.peoplekeep.com/blog/how-to- ... ncome-magi https://www.hrblock.com/tax-center/inco ... %20benefit. Thank you. That is what I thought but then I swear earlier this evening I ran across something that said it ..read more

Last week I met with my Fidelity rep for our annual conversation. During the meeting, he shared their opinion that in my late 50s I am a good candidate for their Wealth Management services with over 1M in retirement assets at Fidelity. I reminded him that I'm comfortable with my 3-fund portfolio of FSKAX, FTIHX and FXNAX, allocated at 60/20/20 and tjis sevice's .88 expense ratio would be about 10k per year in fees. If I live as long as my parents that's close to 300k in management fees. He understands I'm reticent to pay fees, and encouraged me to focus on the risk management aspect. Apparent ..read more

Jack Zarinsky/Safe Bridge is somebody I have met through Bogleheads, and he's on my referral list. I have not worked with him as a client myself, but everything I know is positive. I am not familiar with Eric Niergarth. (Please understand that this is not to be interpreted as a negative thing. Just a lack of any prior information.) Statistics: Posted by ObliviousInvestor — Thu Sep 12, 2024 11:20 am ..read more

Our washer & dryer are on an interior wall. Originally, the vent snaked its way over a door frame out to an exterior wall. With so many elbows, frequent clogs were inevitable and they were extremely hard to snake around for cleaning. We then moved the vent to a roof mount, using this vent: https://dryerjack.com/?gad_source=1&gcl ... iIQAvD_BwE Definitely better than what we had but we still need to snake it out from time to time and as others have noted, one still must go on the roof from time to time to clean out lint that accumulates around the flap. Top on my list for any future ho ..read more

I also keep medical receipts over the years as a backup that I can repay myself. But even if someday you don't have the medical expenses to draw them down to zero, you can just take distributions in retirement that get the same tax treatment as something like an IRA. So it's a good backup retirement account. What rule is that precisely? You are not talking about the new possibility of converting the HSA to an IRA? IRS Pub 969 Additional tax. There is an additional 20% tax on the part of your distributions not used for qualified medical expenses. Figure the tax on Form 8889 and file it w ..read more

It's not unusual for restaurants here, but I would not say it's common. Contact the restaurant first. The surcharge is on the menu, most likely, and you're not likely to win this one. I did have a crooked waiter alter the tip amount years ago. I called the restaurant, they fixed it, and fired the guy. Statistics: Posted by bberris — Thu Sep 12, 2024 10:06 am ..read more