Personal Consumer Issues • Anchor Holes in Drywall - Do You Actually Fill...
Rather than removing anchors, I usually bash the anchors in a bit with a hammer so that they sit behind the surface of the drywall...Helps avoid tears in the drywall paper.I have found drilling...
View ArticlePersonal Investments • account security while travelling?
Someone with professional knowledge can correct or clarify if I'm not correct. My understanding is that with current encryption protocols (public key), even if you intercept everything being...
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Personal Finance (Not Investing) • Laid off today, what should I be thinking...
I've walked into my office several times already today trying to check emails that aren't there or attend meetings I don't need to be in. That will take me some time to get used to.Ugh, I know this...
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Personal Investments • Can I afford to retire at 57, please help
The most palatable solution is to increase the income limit for FICA in my opinion. Yes I love my middle of the year pay bump but I can get over it for SS, which I want eventually!100% agree! Should...
View ArticlePersonal Consumer Issues • Elder Care lawyer certified in WA and CA
Hi, I would like advice on how I could find an elder care lawyer who is certified to work in both California and Washington state. I'd like to have two Continuing Care Retirement Communities (CCRC)...
View ArticlePersonal Finance (Not Investing) • Would a $1MM inheritance change your...
The reason I ask is my wife and I are financially independent at 45/49, with plenty of investments to cover our fixed expenses, but we are considering retiring early. I will inherit at least $1MM, and...
View ArticlePersonal Finance (Not Investing) • Roth conversions causing me to bump up...
Suspend social security. Now you open up more that can be converted. Convert your high interest savings into taxable stock fund purchases like VTI. Or if you want to also avoid dividends, BRK/b.We...
View ArticlePersonal Finance (Not Investing) • Help me understand ways to reduce or defer...
3. **I-Bonds**:- Pros: The current rate is 4.28%. This allows for tax deferral to a lower bracket, resulting in a potential savings of $170/year for each $10k compared to BND.- Cons: Limited to $10k...
View ArticlePersonal Investments • Being hard sold a SPIA. Opinions?
I just turned 65 and will collect my first social security check this month.Delaying starting Social Security is in effect buying an inflation adjusted SPIA which has much better terms then anything...
View ArticleInvesting - Theory, News & General • AlphaArchitect launches BOXX: 1-3...
You can get close to that with a growth S&P500 fund in taxable and a value S&P500 fund tax-deferred. Probably a much safer bet on each side of the coin also than just creating one with high...
View ArticlePersonal Consumer Issues • New Refrigerator recommendations
I’ll never own another Samsung kitchen appliance. We had a French door refrigerator with the notorious ice maker. You may search for my previous post for details. They make great TVs. But this fridge...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
You should not have a problem in a CMA with using FDRXX or other auto-liquidating MMFs. I think the issue arises when one uses the Cash Manager feature to pull funds from one account to another. FDRXX...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
So unless there is an annual fee for the credit card the only potential fee is $50 a year on an IRA balance under $250k which could be offset by a credit card sign up bonus (if it has one) or a new...
View ArticlePersonal Finance (Not Investing) • Designating a minor beneficiary at Vanguard
The trust can (and probably should) remain the contingent beneficiary. Unless there is something unusual about the trust, the IRA will have the same RMDs whether left in trust or left outright to the...
View ArticlePersonal Finance (Not Investing) • whole life - cash out or still hold as...
My statements don’t actually have cost basis so I don’t think that’s universal It’s whatever premiums you have paid adds up toYou can call and find out for sureWith NWM? Every year on the policy...
View ArticlePersonal Consumer Issues • Yet another crawl space humidity question
Daughter's house has a crawlspace. Not in a humid climate, but the winter had the floor much colder than the rest of the house. There were fiberglass batts in-between the floor joists and the dirt...
View ArticlePersonal Finance (Not Investing) • Please Help me find my ideal town in the...
Another Camas, WA resident here. We have been in Camas a few years and really like it. Cute downtown, lots of hiking options and good proximity to Portland. Getting over the bridge to PDX can...
View ArticlePersonal Finance (Not Investing) • Good Experience with Medicare Advantage...
Minor aside is that regular/original Medicare coverage applies in Canada for people traveling between the lower 48 and Alaska while traveling a direct route with no stopovers in Canada. It is...
View ArticlePersonal Consumer Issues • Anyone have 5G home internet? Experiences?
AT&T has a similar 5G product called AT&T Internet Air. I have had several mailings from them on this product. The cost and features do not appear quite as attractive as Verizon or T-Mobile.A...
View ArticlePersonal Investments • Rebalance stocks to index funds - tax implications...
So why are you holding on to some and selling others?As long as I was in 15% bracket I’d probably sell. I don’t know that I would have any particular preference which one. Either you believe in index...
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