Investing - Theory, News & General • Vanguard to Exit Individual 401(k),...
Thanks very much for this helpful hint - I submitted the form to restate my 401K at ETrade today. Was relatively painless - took about 20 minutes. I e-signed on my own behalf first, submitted, then...
View ArticlePersonal Investments • What should i ask Social Security Office?...
What form of healthcare is your wife on now? Is it an ACA plan? Are you worried about loss of subsidies, or is your current income too high to have this being consideration? I am holding off on my...
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Personal Investments • Am I Thinking straight on TIRA backdoor?
Thank you. Don’t believe option #2 is available to me, at least it wasn’t when I set up the MBR as I was told it would be a tax event. I’ll double check on that. You do need to double check. I think...
View ArticlePersonal Finance (Not Investing) • Is anyone selling their house with 2%...
Relationship issues aside; it's worth considering renting the current house rather than selling it. Then you keep the benefits of the low mortage rate; although at the cost of being a landlord....
View ArticlePersonal Consumer Issues • Best Ways to extend Life of Car
For starters, don't buy an EV or a Hybrid. The battery death is basically the end of the vehicle.Blatant misinformation from like 20 years ago that is easily disproved by a simple internet...
View ArticleInvesting - Theory, News & General • How do you think about longevity?
There are a lot of good reasons to delay, but unless someone is sure to have a short life or absolutely needs the money, few reasons to claim early.I don't agree. James Conole on YouTube did a nice...
View ArticlePersonal Investments • 1.75% Checking vs. 3% Money Market at regional bank
Neither. Vanguard Federal Money Market is paying 5.28%. These rates are not that great. The only account I keep with rate paying less than Vanguard going rates is a chequing account with Wells, and...
View ArticlePersonal Finance (Not Investing) • Should I just rip off the IRA bandaid?
I’m 68, wife is 64. Retired. Combined total in our 2 IRAs is 6.5 million. 5.3 in mine. We are in the 37% marginal, so gradually converting to Roth hasn’t been in the cards.RMDs would complicate my...
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Personal Consumer Issues • FYI-News reporting massive outages with [CrowdStrike]
I can only assume this is related: I am unable to transfer money from my bank account into Schwab via the Schwab website It is related. I've been trying to place a sell order on the Schwab app this...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
The Dying Citizen by Victor David HansonAm I correct he was a spy who spied for decades before he was caught or am i thinking about someone else?Statistics: Posted by yankees60 — Fri Jul 19, 2024 1:05...
View ArticlePersonal Finance (Not Investing) • How Should I Avoid a Lapse in Health...
I would try to extend FEHB through the end of August.Do not roll the dice with no health insurance.Triple underline the last sentence !Statistics: Posted by yankees60 — Fri Jul 19, 2024 1:07 pm —...
View ArticlePersonal Consumer Issues • Your Amazon Prime Day purchases, please!
Fitness stuff for my midlife crisis. Withings body smart scale and blood pressure cuff (25-30% off normal). May return if they aren't great.Garmin 1040 bike computer ($450 from $600)Missed out on the...
View ArticlePersonal Investments • Investment options for a 1099 taxed as S Corp using a...
Increasing your salary would have the opposite effect as it would be decreasing your net income and therefore Lead to a smaller QBI deduction.Yes, most probably. But if we're talking about a non-SSTB...
View ArticleInvesting - Theory, News & General • Buffered ETF's
Since this thread some new products by Calamos I think have a much lower expense ratio. I see nothing near a 30-50% rake. More like 2% except in years where SPY does more than the average TR, which...
View ArticlePersonal Consumer Issues • Rental Car Online Check In
Question: Hertz wants me to check in online for upcoming rental car just wondering if this is safe. They want drivers license number and a selfie picture. They say do this to skip the line. Have...
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Personal Finance (Not Investing) • What is the Worst Financial...
I feel it helps being able to learn from others mistakes, plus misery loves company! What would you consider your worst financial mistake or choice that you have made in your life?Hindsight is 20/20...
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Personal Consumer Issues • Worth it to buy a Tesla?
Tesla has a cult of fans, don't expect unbiased replies.Plus, fans reject sources of information like J.D. Power and Consumer Reports. They have effectively brought back to life the slogan "Ask the...
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Investing - Theory, News & General • Any new investing books written...
The second edition of The Four Pillars of Investing was released in mid 2023. It discusses events as recent as 2022.Did they act like it was something new?I can't recall exactly what was discussed...
View ArticlePersonal Consumer Issues • Any suggestions for Australia in December?
Uluru and Kaja-Tujuta are awesome! Was just there a month ago. Highly recommend. It’s tough to get to even if you’re already in Australia like we were. Cheap daily flights from other cities in...
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Personal Investments • Bond diversification?
I’m trying to decide which Vanguard bond funds to use.I’m a 73 year old retiree who needs to pull about $50K per year from my $2.1M portflolio to supplement my employer pension and Social Security. My...
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