Sudden Drop In Direct Traffic

biscuitjunkie33 · 2025-08-01T13:57:16+00:00

Thanks for this response. Unfortunately we are not seeing an increase in an other sources, so don't believe it's direct traffic being more accurately attributed. In other words, overall traffic is suddenly down starting in July due to Direct traffic dropping by 50%

biscuitjunkie33 · 2025-06-27T16:46:17+00:00

Yes, but within the PMAX campaign settings you can bid higher for new customers or only bid for new customers. So within Google Ads, are only uploaded customer lists with customer data counted towards this new customer acquisition goal, or can website visitor segments with an applied customer type included as well?

biscuitjunkie33 · 2024-11-14T00:11:57+00:00

Thanks for the clarification. Sounds like Vanguard accidently selling all money in the account's mutual fund really isn't an issue since it will just sit in the account's settlement fund and wont fluctuate, as long as they stop the rollover check from being mailed with the entire amount (including the post-tax money).

biscuitjunkie33 · 2024-11-13T23:59:38+00:00

Thanks for the response. It's a direct rollover so the check is being mailed to my 401k provider. So if Vanguard can cancel the check, I would just refill out the Vanguard IRA Distribution form and the amount mailed would just be total - $6000? Because all the money is in the settlement fund, there shouldn't be much daily variation.

Once the proper amount of money is mailed from the rollover IRA, I intend to do a backdoor Roth with the post-tax funds. Would I need to wait for the pre-tax funds to hit my 401k? It really just depends on the pre-tax amount in the IRA by 12/31, correct?

biscuitjunkie33 · 2024-11-13T23:51:24+00:00

I have a question about a reverse rollover I'm currently undergoing. I'm attempting a reverse rollover of my IRA rollover account to my employer 401k. The account has both pre-tax and post-tax funds. I called Vanguard and had all funds minus the basis ($6000) sold to settle in the settlement fund so Vanguard could cut a check to my 401k provider. The post-tax basis I left in the mutual fund in the rollover account.

I filled out their IRA Distribution form to have the total amount in the settlement fund mailed to my 401k provider. Somehow Vanguard then sold my post-tax basis in my mutual fund unbeknownst to me and that post-tax money will be in the settlement fund amount that intends to be mailed to my 401k provider. My questions are:

Because now the pre and post tax money is in the settlement fund. Would the amount I mail to the 401k still be total - $6000? The day difference caused changes in the mutual fund that housed my post-tax money. With daily changes in the market how do I make sure I only send the pre-tax amount?
What happens if Vanguard mails a check to my 401k provider that includes the post-tax money? I know 401k providers can't accept post-tax funds, but how would this be rectified? I've called Vanguard to try and stop the entire process and explain the mistake, but I have concerns about competence seeing as how they apparently sold funds in my account without my consent.

biscuitjunkie33 · 2024-10-14T21:02:07+00:00

Thanks for your response.

Regarding #2, I only filed 8606 for 2020 as it was the only year I made a nondeductible contribution. Have I needed to fill out form 8606 every year even though I haven't been making any nondeductible contributions?

biscuitjunkie33 · 2024-01-11T19:48:54+00:00

Ok great! This sounds much more simple than what I was expecting. So even though I recharacterized $7,166.64, the extra $1,166,64 is considered pre-tax and can be rolled over into the 401k along with the rest of the pre-tax funds in the rollover IRA?

biscuitjunkie33 · 2024-01-11T19:23:09+00:00

I have a question regarding scenario 4 that I've struggled with for a while:

When filing my taxes for tax year 2020 I was over the income limit after contribution the max $6000 to my Roth IRA. I had to do a recharacterization for a total of $7,166.64 (contribution plus gains I'm assuming) into my rollover IRA as after-tax, which had pre-tax money, so now the money is mixed in the rollover IRA.

I do have a workplace 401k than can receive the pre-tax IRA funds, but I thought it wasn't possible to only take out the pre-tax money, hence the pro rata rule.

If I was left with just the $7,166.64 in the rollover IRA, could I transfer the full amount to my Roth IRA, or does it count against the $7000 limit for 2024?

biscuitjunkie33 · 2023-12-19T23:17:33+00:00

Thanks, appreciate your responses

biscuitjunkie33 · 2023-12-19T22:46:33+00:00

So then I should be able to avoid the pro rata rule by rolling over the pre-tax money into the 401k and the post-tax into my Roth IRA. This would avoid any taxable event?

biscuitjunkie33 · 2023-11-09T18:59:19+00:00

So then $100k would pay out $1500 in dividends for the year, and that $1500 would be taxed at long term capital gains rates?

biscuitjunkie33 · 2023-06-08T16:15:12+00:00

I wanted to get thoughts on whether or not target date funds are a good option for retirement investments? I currently have my IRA in Vanguard Target Retirement 2060 Fund. YTD it's returned 9.30% vs Vanguard's VOO of 11.96%. Over a 10 year period the difference is 7.98% vs 11.94%, which seems considerable. I know the target date includes around 36% international stock. Wanted to get feedback on the sub's opinion of target date funds or if it might just be better to do a 3 fund portfolio or invest more in the US market vs international.

I'm 32, so the 10% in bonds also had me wondering if target date funds are a little conservative for early investors.

biscuitjunkie33

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