Personal Investments • Anyone Glad they took Social Security Early?
Here is a social security breakeven calculator. https://www.broadridgeadvisor.com/webre ... 24AA07997CWe are leaning towards taking social security at FRA and the spouse at age 70. That is 1.97% less...
View ArticlePersonal Investments • at Fidelity - CMA or Brokerage?
Is one or the other better to hold cash? Don't plan to touch it much. I'm especially interested in knowing positives/negatives of the CMA versus the Fidelity (Brokerage) account. Thank you,...
View ArticlePersonal Investments • Roth vs brokerage valuation determination
Just transfer the balance as of today into a inherited Roth IRA on your brother’s name. It is the right thing, legal thing, ethical thing, and simple thing to do.I’m confused here. How do I have any...
View ArticleInvesting - Theory, News & General • HSA Bank eliminating investment options
I am invested in HSA Bank's Choice program, with 100% of anything above the mandated minimum of $1K set to sweep automatically into Vanguard Wellington Admiral (VWENX). My first sweep a couple weeks...
View ArticlePersonal Investments • What do I need to know when considering which funds to...
If you can get money out of high-expense funds and into lower-expense funds, that is a good idea, whether you roll it from a 403(b) to a traditional IRA or convert it to a Roth. And if you do roll to...
View ArticlePersonal Finance (Not Investing) • 529 Marketplace Structure - Why not...
I think the closest thing to a fully self directed 529 is a Coverdell ESA. The contribution and income limits can both be pretty annoying, though.Statistics: Posted by Nohbdy — Fri Aug 30, 2024 10:10...
View ArticlePersonal Investments • Anyone use DAFFY for DAF (Donor Advised Fund)
I understood that the way to "win" when using a DAF is to not let the money linger in the account too long. In other words, put the money in when you need the tax break, then donate it soon afterward....
View ArticlePersonal Investments • Solo 401(k), moving from LLC to Sole Proprietor,...
You can change the sponsoring employer. My wife did that when she closed her LLC and went back to a salary job. She has been filing 5500s due to the balance, and there is a place on the form to...
View ArticlePersonal Investments • Help with setting up TIPS ladder in brokerage account
I did look at them but wanted to build ladder without paying the fee and also for some reason I haven't seen many recommendations for them in this forum. I did come across this thread...
View ArticlePersonal Consumer Issues • International Travel and health insurance
I have never traveled internationally but I would like to soon. I would want to ensure I have health insurance when doing so since I tend to get infections and other injuries easily that could quickly...
View ArticlePersonal Consumer Issues • Best Washing Machine
For those who keep promoting front loaders, please keep in mind that front loaders are not the best for everyone. There are certain use cases which cannot be met through a front loading washer, such...
View ArticlePersonal Consumer Issues • [On-going Scams - Post them here]
The demand for “immediate” anything is a hallmark of the scam. It would be easier to remember this and a few other basic principles than most of the specific scam scenarios.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Help finding a Gilbert & Sullivan (?) parody...
They did at least one; I think they did more. https://www.youtube.com/watch?v=n07UZs6Ac80Statistics: Posted by Diluted Waters — Sat Aug 31, 2024 10:07 pm — Replies 2 — Views 99
View ArticlePersonal Finance (Not Investing) • Mechanism for getting POD assets back into...
Interesting order of operations dilemma. I would think it would work that the estate would settle its bills, then pay on death everything beyond that, but maybe that isn't the case or it varies by...
View ArticleInvesting - Theory, News & General • Why are there not 0.03 ER MMFs?...
I think the local offices exist for clients who want face-to-face meetings with financial advisors, and likely are funded by advisory fees.But your correlation is correct because Fidelity advisor fees...
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Personal Finance (Not Investing) • Tax Reporting of VMATX and VGIT Dividends
HelloBecause your shares of VGIT will be in a Vanguard account, it will be clearly marked on your annual statement* how much of the dividends from VGIT are from US Govt Obligations (USGO). You can...
View ArticleInvesting - Theory, News & General • Can you train yourself to be less...
I am curious, are there ways to make yourself less risk averse to volatility risk? ...Interesting thing about risk aversion (and probably personal risk tolerance in much the same way) is that it seems...
View ArticlePersonal Consumer Issues • Front Bicycle Derailleur That's Easy to Shift
My bike came with a 2-speed Shimano Tourney front derailleur that's pretty stiff to push when going from 1 to 2.I know it's an entry level derailleur. My question is, if I upgrade it, would it be any...
View ArticlePersonal Investments • What's in your Taxable Account?
I take a different approach with my taxable account. Yes, it's important to pay attention to tax efficiency, but it's also important to ask yourself why you are investing in taxable to begin with.I...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
If I open a Zelle account now and link the debit card, can I do a P2P transfer instantly W/O fee?When I open a Zelle account, it asks me my bank. There is no Fidelity option. How do I link the debit...
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