Personal Consumer Issues • Questions to ask during minisplit quote
Just had a 3 head mini split system installed last month.Multiple quotes was helpful. Large price spread (15k-50k), different installation approaches.We really cared about aesthetics, so ended up...
View ArticleInvesting - Theory, News & General • IRS clarifies stretch IRA rules:...
Surprise, the final IRS Secure Act Regs actually contain at least one beneficiary RMD simplification from the proposed Regs.The proposed Regs included a provision in which an older beneficiary of a...
View ArticlePersonal Finance (Not Investing) • Leaving Vanguard: which US brokerages...
We just moved my wife and my RLT accounts from Vanguard to Fidelity. We are both co-trustees on each of the RLT accounts and they show up under both my wife's and my logins at Fidelity. We also have...
View ArticlePersonal Consumer Issues • When to buy Extended Warranty on a New Car....
When the vehicle one wants is so niche (either in form or form factor) that it is made only by manufacturers with bad track record on reliability. And even then, it should be exclusionary and...
View ArticlePersonal Finance (Not Investing) • BofA checking Balance Connect with Merril...
Why do you want overdraft "protection"? I always viewed that as a bug, not a feature. If my checking account has $0 and it's hit with a fraudulent check or transfer, I don't want it to pull from...
View ArticlePersonal Finance (Not Investing) • [20 year old driver has car accident]
I am assuming this is a single vehicle accident.No way I would report that.Doesn’t sound like a single vehicle accident to me. “Their” and “our”. Their repair estimate is $2,000 plus a rental car. Our...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
Marlowe 2022 staring Liam Neeson who makes a really good older version of Phillip Marlowe. It even had Bernie Ohls, a recurring character of Chandler's Marlowe books.It is based on the Raymond...
View ArticlePersonal Finance (Not Investing) • Step-up in basis for real estate
Florida is not a community property state. Assets held by your mother will not receive a step up unless she dies. There is an exception, though, if the property is held in a community property trust....
View ArticlePersonal Finance (Not Investing) • Form 5500: E*Trade individual 401(k) IRS...
Would appreciate some guidance from those who understand this.Per the above IRS link of https://www.irs.gov/retirement-plans/li ... oved-plansI found the link to the list of "defined contribution...
View ArticlePersonal Consumer Issues • Antivirus and VPN Suggestions?
VPN is mostly a waste of money and security theater advertised to people who don't really understand technology privacy.I would install uBlock Origin which will block most of these malicious popups.Is...
View ArticlePersonal Consumer Issues • Cheap phone plan vs (free) Google Voice
I have used Redpocket, and Twigby Wireless. They are both OK. My use of data was pretty light in general.Statistics: Posted by Tyler Aspect — Wed Jul 24, 2024 12:00 pm — Replies 1 — Views 88
View ArticlePersonal Investments • Later retirement years
There are no easy answers to this honestly. My mother's best friend who was about 20 years older than my mother, outlived her two children and her husband. She was pretty much the end of her line and...
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Personal Investments • Total Market vs Growth vs Value
Here's the image from the Allan Roth article:What I can't understand is how the "original" style box was ever exactly 1/3rds unless they changed methodologies once before and are now changing...
View ArticleInvesting - Theory, News & General • (Market Cap) Rotation to Small Cap?
Assume we started 2014 with initial equal weights into each of those assets, each asset accumulating its total returns, left as-is. From a initial 9% weight in Large Cap that would have risen to being...
View ArticlePersonal Finance (Not Investing) • Is anyone selling their house with 2%...
We are at 3% and will stay...although we would like to downsize. We have to consider all aspects including Capital Gains which we will eventually pay but right now it's easier to stay.Statistics:...
View ArticlePersonal Consumer Issues • Europe in November
early to mid NovemberSome of those places will be chillier and rainier than others. How important is good weather to you?Statistics: Posted by 22twain — Wed Jul 24, 2024 12:06 pm — Replies 3 — Views 101
View ArticlePersonal Investments • Boackdoor roth IRA , am i subject to pro-rata rule ?
This year we will be exceeding the income limit to conrtibute to ROTH IRA , i was thinking of doing a non deductible IRA and then converting it to ROTH , but we have these accounts other than our ROTH...
View ArticlePersonal Consumer Issues • VRBO host asking for photocopy of driver's license...
I can understand owner of the property wanting DL to protect their asset. Personally if 1) property has been on VRBO for years / has high ratings , and 2) you block out the DL # seems low risk to...
View ArticlePersonal Investments • Take RMD's at beginning or end of year?
Theoretically you can look at it as follows. Logically you are invested because you belive assets grow over long term. Thus probability of the assets being higher at the end of the current year vs...
View ArticlePersonal Finance (Not Investing) • Where do you bank and why? 2024 Edition
I have recently moved over to NBKC Bank from the Fidelity CMA and really like them. Great customer service, even better than Fidelity from my experience. No fees. ATM fee refunds. Some interest on the...
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