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  • Guest, it's time once again for the hotly contested and exciting FoH Asshat Tournament!



    Go here and fill out your bracket!
    Who's been the biggest Asshat in the last year? Once again, only you can decide!
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    2024 Official Stonks Contest

    That works
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    2024 Official Stonks Contest

    5555
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    Best Credit Card with Cash Back Rewards

    I only have 2 that I use. Amazon for anything on Amazon. Fidelity 2% Visa for everything else. I transfer the points to my brokerage and and buy index funds.
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    What's your asset layout look like?

    I haven't looked at my actual breakout in a while so thanks! I am 42, married at 32, one kid, wife has been stay at home until this year. My 401k was started at 26, and I have been maxing all available retirement accounts since 31(401k, HSA, 2 IRA) I started a taxable brokerage at 31 as...
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    Investing General Discussion

    FYI Assuming you mean you actually hold them in a Vanguard account you can call them and get them converted to VTI without a tax hit.
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    Investing General Discussion

    https://www.fidelity.com/learning-center/investment-products/etf/premiums-discounts-etfs
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    Home buying thread

    If that gutter drain pipe is not just temporary, I would find a better way to do that. If that dirt settles any your downspout is going to be ripped off/broken in one of the joints, or worse. Many years ago when I was building houses we would remove that angle on the downspout and have a slip...
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    Investing General Discussion

    They track almost identically. I will flip back to VTI if I ever get a loss on these shares.
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    Investing General Discussion

    Swapped all my buys of VTI from 2021 and this year for VOO...yay for some more years of 3k loss carryovers. I am buy and hold on indexes and continually buying so I rarely have huge amounts like this to tax loss harvest. Flipped from FTEC to QQQ as well.
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    Investing General Discussion

    Yep. 9.62% is the next variable rate.
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    Investing General Discussion

    Make sure you understand the kiddie tax rules(This has changed back and forth in the last few years) and be proactive by harvesting your childs gains up to the tax free limit each year.
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    SPAC & IPO Ideas

    Its usually 52 days after it IPOs. Prospectus on this one says: We expect that the Class A common stock and warrants comprising the units will begin separate trading on the 52nd day following the date of this prospectus (or, if such date is not a business day, the following business day)...
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    SPAC & IPO Ideas

    Robinhood doesn't let you buy units. I see this complaint all the time on Reddit. Have to wait for the split, or get a real brokerage account.
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    Investing General Discussion

    I am talking about 401k After Tax -> Roth IRA Rollover. Mega Backdoor Roth Depending on how your 401k works, you may be able to roll the gains into a regular IRA and the contributions to your Roth IRA and pay no taxes - two checks. Mine only sends me one check so I have to pay taxes on the...
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    Investing General Discussion

    The notes for that page say "The only reason that the HSA is #4 on this list is because many people simply don't qualify for it. However, if you do qualify for it, I'd move it to #2 - right behind taking advantage of your employer's match." It doesn't make much sense to max your 401k(Non-Roth)...
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    Investing General Discussion

    That reminds me. Has anyone dug into the PFIC issue with taxation on SPACs? I don't buy any non US SPACs in my taxable accounts, it was too confusing for me to want to risk having to deal with any of that mess.
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    Investing General Discussion

    Its in the summary tab, but only seems to appear on accounts older than a year. I can see it on my HSA, and One of my Brokerage accounts, but not my SPAC YOLO account.
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    Investing General Discussion

    And sometimes the target sucks. I managed to get out of FST at 13.80 today, I don't want any part of that. 10.49 on Jan 15th, to 13.8 today no complaints!
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    Investing General Discussion

    The worst part about SPACs is these massive fucking paper prospectus Fidelity sends. Does anyone know how to opt out, or if there is even a way. As far as I can tell I have all e-delivery selected. Today I got a 2 inch thick stack of paper with the envelope barely alive, and the prospectus...
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    Investing General Discussion

    One benefit to bi-weekly, assuming the HSA deduction is coming from your companies payroll, and you make less than the Social Security maximum, is that you won't have to pay social security tax on the $7200. If you do the bulk 7200, you will be able to deduct the HSA from your wages, but not...
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    Investing General Discussion

    I bought BFTU back in August for $10.00 when Sanrith posted it..now I gotta figure out how greedy I want to be.
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    Investing General Discussion

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    Investing General Discussion

    Got it at 10..to the moon!
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    Investing General Discussion

    Be aware that you might creating a tax headache for the parents. They will have to deal with the 1099-B/1099-DIV on the childs tax return. I have an UTMA for my son, and I tax gain harvest every year(So far the gains are under the limits for having to file a tax return, so tax free)...
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    Wii U and 3DS jailbreak

    Mine is doing this as well...I too deleted the connection. I am pretty sure I deleted it from both the real nand and the RedNAND and I am coldbooting mocha.
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    Wii U and 3DS jailbreak

    Awesome thanks for this. I picked one of these up and got it working. Do you know if we can buy more "cards" and use them so I don't have to keep swapping onto the puck?
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    Wii U and 3DS jailbreak

    Which tool is this?
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    IT/Software career thread: Invert binary trees for dollars.

    So I am a retard who hasn't changed jobs in 10 years. I have been working on a product that was originally written in VB6 and classic asp/asp.net. About 7 years ago or so we created a new version of the product using C#, WCF, WPF,WWF etc. I am getting more and more depressed working at this...
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    The Big Bad Console Thread - Sway your Station with an Xboner !

    Plants vs Zombies Garden Warfare is free on PS4 until sometime tomorrow... https://store.sonyentertainmentnetwo...ZGWPS400000000
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    Plants vs Zombies : Garden Warfare

    This is free right now on PS4 until tomorrow some time...
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    So, you got some extra money laying around

    This part is not correct. Betterment will buy a different etf that is not "substantially identical" on the same day they sell. It looks like they would swap Vanguard Total Stock Market ETF (VTI) for either Schwab US Broad Market ETF (SCHB) or iShares Core S&P Total US Stock Market (ITOT)...
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    Nintendo 3DS News, Games, etc.

    3 Extra codes: post if you take em... A05V31140J0CQ55N A05V767U2YX2F0XA A05VBBEN2K7DD825
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    Diablo III - Ultimate Evil Edition

    Thanks for the gold Regime! It was flipping out on me when you tried to trade in game.
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    Diablo III - Ultimate Evil Edition

    It comes in the in game mailbox. It was an awesome one hand sword thanks!
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    Destiny - Gamertags

    Niroa PS4. Have mic.
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    Diablo III - Ultimate Evil Edition

    Sent a friend request to everyone listed so far... add me! PSN:Niroa
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    Destiny: Rise of Iron 9.20.16

    Try number 2..same thing. 32 mb Destiny Beta Update file...and a 179 mb Destiny Beta file. On PS4. If I then open the beta it fails after it tries to connect. Is the app suppose to connect and download the actual game? Ok yep it does...connected this time...now downloading.
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    Destiny: Rise of Iron 9.20.16

    Sweet mine downloaded and installed a whopping 150 mb file....claims its 14 gigs. Deleting and trying again...
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    Playstation Plus+

    Yeah I was wondering where the rest of the games are...but it doesn't change to that format until July.
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    Assassin's Creed IV: Black Flag

    Added you both...if anyone else is playing the fleet game add me PSN:niroa