Personal Finance (Not Investing) • credit card transfer
Just off the phone with my niece. She is in a tough situation. Her husband was in charge of finances and he allowed credit card balance to reach a high (but reasonable) balance. She caught it before...
View ArticlePersonal Investments • HSA Bank Eliminating Schwab Investing Option
Public service announcement.HSA Bank's website includes this statement about their new fees for investing: "Fees may vary if your HSA is through your employer." I have posted a couple times with some...
View ArticlePersonal Investments • Money market fund etf
USFR and SGOV and BIL are all good MM-like ETfs, but I can't see how they will get money out faster for paying bills, they have T+1 settlement too.I guess I sell stocks/ETFs so rarely that I didn't...
View ArticlePersonal Investments • Should we start doing Roth conversions?
You probably could do to the top of the 22 or 24% brackets now given that tax rates are set to go up in 2026. Your accounts still may grow but will grow more slowly with the conversions. Likely you...
View ArticlePersonal Consumer Issues • Need reoommendation for a document scanner
I use the Fujitsu ScanSnap IX500 and am satisfied with the performance. It is an integral part of my home office that I could not do without. I scan almost everything including tax documents (which I...
View ArticleInvesting - Theory, News & General • TIAA whistleblower complaint
the industry consensus is TIAA makes around 1.2% on TIAA Traditional, far more than other types of investments. Hmmm. Where does that 1.2% (probably several billion dollars!) actually go? It's a...
View ArticlePersonal Finance (Not Investing) • Medicare with employer coverage
My wife became totally disabled when I was still working. She told me to make my health insurance primary and Medicare secondary (she signed up for Medicare after the 2 year waiting period while she...
View ArticlePersonal Consumer Issues • What are you listening to now
I have a confession: I have never heard Godzilla! I had to wiki Blue Oyster Cult to see what songs they had : the Reaper and I’m Burnin. I never bought any of their albums. I don’t know why. Funny!...
View ArticlePersonal Investments • Portfolio Review - A Retiree
Thank you for sharing your story. And good luck!Statistics: Posted by trueballer — Wed Aug 07, 2024 2:39 pm — Replies 7 — Views 432
View ArticlePersonal Investments • Unclaimed Funds on a Custodial Account
I feel like I'm stating the obvious but you are entitled to keep the money, and your aunt is entitled to write you out of her will. Personally, I would graciously comply with your aunt's request,...
View ArticlePersonal Investments • Add more bonds? [portfolio review]
Will I keep calm when there is a real bear market? I'm considering allocating 5% or even 10% to treasury now. Is this a good idea?Do you have an emergency fund? Reframe it by including the dollars in...
View ArticlePersonal Investments • Opinions on 90/10 Portfolio by Warren Buffett
deletedI don't think it's particularly confusing. While I don't necessarily agree with the advice, the advice is very clear. 90% in the Vanguard S&P 500 fund and 10% in short term treasuries (not...
View ArticlePersonal Finance (Not Investing) • Chase $900 Checking + Savings Bonus
Last time I used the similar offer was in 9/22/22 (account closed on 4/11/23). So when can I do it again?September 22, 2024, according to my offer, anyway.Thanks.Statistics: Posted by samulta52 — Wed...
View ArticlePersonal Consumer Issues • Above garage house extension
Thank you to all for your responses. Looks like going through architect is the way to go. I imagine I could pay them to just visit the property, draw up some rough plans and get an idea how much it...
View ArticlePersonal Finance (Not Investing) • pretend banks
It took them 12 hours to report it. I would have gone online and locked the card within minutes or ASAP...not waited 12 hours. But that's just me....The Reddit poster even acknowledged they didn't...
View ArticlePersonal Investments • Why numerous years of cash cushion?
I have read multiple posts of people having numerous years of cash for a severe market downturn, so you don't sell equities. I get it.Why cash? Why don't you sell some of your bond funds in a down...
View ArticlePersonal Finance (Not Investing) • Transfer/give kids their Vanguard accounts...
You can, in fact, ratchet up a small amount in their accounts, tax-free each year. But that's easier to do when you have power over their accounts, rather than coaching them through it. Beware though,...
View ArticlePersonal Consumer Issues • Recommendations for cheap beater truck
I'm looking for recommendations for a cheap "beater" truck. Truck, in order to have an open bed for manure and similar. By cheap, I mean $3k or less. Such a thing does not exist at this time....
View ArticlePersonal Consumer Issues • Washing machine crapped out (Samsung)...
Gasket is actually pretty easy to replace on a lot of front loaders, should be a 15 minute job with the right tools.The issue is with the laundry room that the pair is in - it's TINY and there's...
View ArticlePersonal Finance (Not Investing) • Pay Off Car or Mortgage
pay off the car.Better question is why are you driving a $40,000 BMW? My $20k Subuaru Cross Trek works just fine.Because you asked so pretentiously, because I'd rather be 20k poorer than drive that.I...
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