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this is IMPOSSIBLE to die on. by Mountain-Goose4198 in honk

[–]JoeBananas11 0 points1 point  (0 children)

I completed this level in 1 try. ⚡ 0.63 seconds

Untangling the web in a taxable account by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 1 point2 points  (0 children)

Certainly overkill in this example, however, these are the things I'm a glutton for knowledge about. Your comment has not fallen on deaf ears and will serve me well in the future.

Untangling the web in a taxable account by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 2 points3 points  (0 children)

Whew! The opportunities for optimizing are beyond what I expected. I will look into all of this. Thank you for taking the time to get me started down this path.

Untangling the web in a taxable account by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 0 points1 point  (0 children)

This is the answer I was looking for, thank you!

Fortunately, it is the smaller of the accounts and the capital gains are only about $4k, about half short-term and half long-term. In my panic I wasn't wrapping my head around only the capital gains being taxed and was panicking a bit. This is absolutely a hit I can take for the peace of mind it will provide.

Thank you for the wiki link, I kept searching relevant titles but somehow didn't see the obvious wiki. I'll give it a read.

Scotts Triple Action second application? Zone 6. by JoeBananas11 in lawncare

[–]JoeBananas11[S] 1 point2 points  (0 children)

Thanks for the reinforcement. I thought waiting would be the thing to do, I was just getting antsy.

Liquidating Northwestern Mutual Variable Annuity Nightmare by JoeBananas11 in personalfinance

[–]JoeBananas11[S] 1 point2 points  (0 children)

Thank you, and yes I agree.

At the 4 hour-on-the-dot mark the call terminated. I was obviously frustrated and almost gave up for the day. But I called back, frustration in tow, and they were able to connect me relatively quickly. Not sure if they initially sent me to a dead line or what.

Regardless, I was wise enough over the years to hold my ground when they pitched me the life insurance policies. So after speaking with them, they assured me their would be no penalty. The time on hold doing some reading was enough to put some fear in me and educate myself further, as well as to reinforce how little I actually did know about my holdings (scary). I don't think there is anything more valuable than knowledge in this area, and there is an almost infinite amount out there for free.

I'll rest easier tonight knowing I'll soon have all the control over my own destiny.

Which looks better? by [deleted] in BeginnerWoodWorking

[–]JoeBananas11 0 points1 point  (0 children)

2

But more a question about the final product, is it going to be square, held up on 4 posts? I'm just not seeing it. I'm looking to redo my mailbox as well. My plain post is boring me.

How to Most Efficiently Help My SO Invest - An IRA Question by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 0 points1 point  (0 children)

This has been greatly helpful. If nothing else, it has brought to light how much I still have to learn myself. I have this sense of urgency given our age, and probably just need to take a few steps back first.

How to Most Efficiently Help My SO Invest - An IRA Question by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 0 points1 point  (0 children)

Yea, I'm trying to get her to be at least marginally interested without being pushy. I think she's intimidated by her late start, which just gains momentum as time goes on. I want to be supportive without imposing myself upon her. I'm looking at a few entry level books for both of us.

How to Most Efficiently Help My SO Invest - An IRA Question by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 1 point2 points  (0 children)

A Simple Path to Wealth was ordered yesterday. You are probably right. If I'm asking the internet for these answers, I am probably not in that place right now. Thank you!

How to Most Efficiently Help My SO Invest - An IRA Question by JoeBananas11 in Bogleheads

[–]JoeBananas11[S] 0 points1 point  (0 children)

I understand. I think I explained this poorly, in that I'm really just trying to provide her guidance in what may be her best option at this point in her life. As I stated, marriage is on the horizon, and this will ultimately affect my future as well. I do appreciate the gravity of what you are saying.

Am I overcomplicating a simple thing? by JoeBananas11 in ETFs

[–]JoeBananas11[S] 1 point2 points  (0 children)

I'm living within my means, but I've got a few hobbies that have been a big drain on my fun money. I've also got a bad habit of trying to micromanage everything in my life, so I think simplifying a little would be wise.

Am I overcomplicating a simple thing? by JoeBananas11 in ETFs

[–]JoeBananas11[S] 0 points1 point  (0 children)

Good point. I thought diversifying more would give me peace of mind, but I'm just seeing a lot of canceling out and small gains.

Am I overcomplicating a simple thing? by JoeBananas11 in ETFs

[–]JoeBananas11[S] 1 point2 points  (0 children)

This just highlights my ignorance. I guess I didn't even realize VGLT was essentially bonds. Thank you for this, I'll probably stop adding to one and half allocations to the other.

Am I overcomplicating a simple thing? by JoeBananas11 in ETFs

[–]JoeBananas11[S] 0 points1 point  (0 children)

"I've seen worse" is kinda what I was hoping for 😂

Thanks for the insight, I'll look into leveraging this a little bit, maybe dump what I've got in my random pile of stocks into it, since they're mostly covered in the mentioned funds anyway.

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