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In recent years my wife and I have become subject to AMT. This caused me to run our 2014 taxes both with and without our brokerage account dividend income to understand how our dividend income is impacting our overall tax liability. It turns out we're paying close to 30% effective tax rate on...

Recently I’ve been giving some thought to how my domestic/foreign equities are allocated between my various account types. Historically I’ve tried to allocate the highest yielding assets to the retirement accounts in order to minimize taxes since I just end up reinvesting the proceeds anyway...

Does anyone have experience or an understanding of the methods for tax efficiently transitioning assets to family members? I am already aware of the annual gifting exemptions (currently 12k) and lifetime gift exemption (currently $1M, but reduces estate exemption at death). Specifically, are...

Okay, so the plan's from her advisors since she's a wack job and all. Given her age, a SWR of 3% is about 1.2M/year. Looks like she'll have to cut back on the 100k/month travel budget and 16k/month clothing budget. Man, must be tough, plus I'm guessing she has to pay for health insurance. ;)...

I have a wealthy relative (age 85+) who has recently begun gifting money to a number of her heirs. This includes my son, who is an infant. For 2007 we put the full gift into a 529 plan for college. For the 2008 gift we are planning on putting the majority of the gift into a 529 and the...

Just curious if anybody knows what's going on with UNTD (united online). Seems like it often nosedives then rallies, not sure if there's any real reason... Thoughts?

How to be a workaholic and not die - Forbes.com - MSNBC.com "These people are often compelled, and even excited, to be at work more than social situations, whether they enjoy what they do or not." I'm speechless - I have no words.

Nothing we didn't know already... although I'm not sure they need a broker :p For Gen X, time to grow up and get a broker - Cracked Nest Egg - MSNBC.com "62 percent say they live paycheck to paycheck" Wow.

I've been dealing with low back issues for over a year. Have gotten some relief through chiropractic and physical therapy but am not there yet. Just curious if anyone's tried acupuncture and what the results were. Any thoughts appreciated!

Hopefully nobody already posted this... Money & Happiness | Newsweek To Your Health | Newsweek.com "If more money doesn't buy more happiness, then the behavior of most Americans looks downright insane, as we work harder and longer, decade after decade, to fatten our W-2s. But what is insane...

I'm hoping to retire in about a dozen years at age 40. Given that my wife and I will have no pension/medical coverage and likely two kids still at home (say 12 and 10) I'm shooting for total investments of 2.5-3M (in today's dollars). Way too early with too many variables to know if I'm on...

CNN - Rethinking Retirement "Those who say 'I'll never work again' are making a major, major mistake. Because they're going to find themselves adrift, away from a community purpose and a sense." Hmm... a pretty sad thought that some can't autonomously find greater meaning in their lives than...

Recently I've begun more carefully scrutinizing my asset allocation. Previously I'd just dumped lump sums into various index funds to smooth out the uneven allocation I'd compiled. Does anybody have thoughts on which websites have the best asset allocation tools? I've got a number of...

Currently I'm trying to determine whether to participate in a Roth 401 or 401k with my wife's employer. From what I understand conventional wisdom is that you should consider whether your future tax rate will be higher or lower than your present tax rate (if they're equal then the two options...

Been lurking for a few weeks now and thought I'd join in. Just started a new job and am reviewing the funds available through the 401k plan (a ton!) Many are through Vanguard which I've gathered is pretty popular around here... just wondered what folks think are some of the best Vanguard...