Personal Finance (Not Investing) • Trusts and Estate Taxes
It's generally not a good idea to name beneficiaries for taxable accounts (assets other than life insurance and retirement benefits), for many reasons. What are these reasons? Thanks.Hopefully I'll...
View ArticlePersonal Consumer Issues • Electric Toothbrushes - Longevity
My wife has a 10 year old oral b , works good. I just use regular toothbrushes. I think it's much more important to get in-between teeth so I use teeth time dealing with that.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • HSA Bank eliminating investment options
I have an HSA with HSA Bank and an attached Schwab investment account.We no longer have a qualifying high deductible health plan for HSA contributions. If I never need to contribute to this account...
View ArticlePersonal Consumer Issues • What are you listening to now
Around the house with Chicago Transit Authority’s Greatest hits. They will always be CTA to me.Hi novicemoney: yep, 47 years together this month.Statistics: Posted by AlohaBill — Fri Aug 16, 2024 4:38...
View ArticlePersonal Investments • timing equity investment
my takeaway is that at 70yo with FI, equities should be bought to hold, but bought only during downturns when you are getting exposed to a lower PE, and that portfolio risk should be managed by...
View ArticlePersonal Consumer Issues • Car battery replacement interval advice
get yourself a battery tester for those important situations and a portable jump starter pack for those unexpected situations.Generally last between 3-5 years but you can tell. They give you a bit of...
View ArticlePersonal Consumer Issues • Apple phones/ E911 data
We try to hide our data online but recently visited an E911 center. Worker told us that apple emergency and maybe some other info gets sent to the E911 operators. Where do we go to see what data gets...
View ArticlePersonal Investments • Best use of $200,000 inheritance?
Greetings,I posted viewtopic.php?p=7964078#p7964078 a few weeks ago and got some really helpful responses. I have chosen to take out student loans amounting to roughly $81k to cover tuition and all...
View ArticlePersonal Investments • FHLB bond redeem below 100 par
So I have a FHLB bond that is being called. But I'm a bit confused about the message from Vanguard announcing the upcoming scheduled redeem. Says. "A quantity of 50,000 will be redeemed at $60 for a...
View ArticlePersonal Investments • Investments for children
Yes custodial accountsYou should consider taxes when doing this (ie kiddie tax). Also step-up basis when you die, if you own the accounts. Depends on when you want them to have access to the money...
View ArticlePersonal Finance (Not Investing) • Part time job with 401k match for retired...
Be sure to look at the vesting period of the 401k employer match. If you stop working for them before you are fully vested then you may only get a fraction of the match or even none of the match if...
View ArticlePersonal Finance (Not Investing) • Restructuring life to retire ASAP
Hello,Apologies for the long post and for the somewhat personal nature. Consider this 75% finance and 25% therapy through finance.My father had a massive stroke this week and passed away last evening...
View ArticlePersonal Finance (Not Investing) • IRA Inheritance
That's correct with the TIRA assuming the second spouse also passes post RBD.Incorrect for Roth IRA. Because all Roth owners pass prior to RBD the beneficiary of the last spouse to pass will have no...
View ArticlePersonal Finance (Not Investing) • Is Vanguard accessible?
I'm now convinced it's not my PC.Except that you can login just fine on your daughter's computer.Have you tried restarting your computer?You have tried much more complicated things, so perhaps you...
View ArticlePersonal Finance (Not Investing) • Experiences announcing retirement
I early retired from a large corporation at age 55, 12 years ago. I wasn’t at your level but fairly high up in the research portion of the business. I gave six weeks notice in writing. Although I was...
View ArticlePersonal Finance (Not Investing) • Hackers leak 2.7 billion data records with...
They managed to assign new IDs to Medicare recipients. The new ones are eleven characters long and include both letters and numerals. I assume but don't know that they contain redundancy checks that...
View ArticlePersonal Finance (Not Investing) • Want Thoughts On My Early SS Strategy
Given that Social Security is getting a cut of ~20% in 10 years I'd get the money ASAP while the getting is good and save it to replace income later on.Do you really think it will? I just can't see...
View ArticlePersonal Finance (Not Investing) • How Are People Planning for Their Estates?
1. A few days ago, I had posted a trust related question and received several answers.2. In addition to "legal answers", I wanted common sense answers. A friend suggested that I might get this, if I...
View ArticleInvesting - Theory, News & General • Is a 50% savings rate impossible...
It is very possible. Everyone should save 50% of their income.Just takes some effort.Eat every other day and make sure everything is bought on price reduction, a day old or leftover.Don’t get sick.No...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
Cashed in my Priceline CC points on prior trip expenditures. Matching points against travel related expenditures gets a 10% bonus, in this case about $90.Statistics: Posted by Carl53 — Sat Aug 17,...
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