Personal Investments • SPIA Annuity as part of Retirement strategy -- getting...
I see that you’ve addressed some of this already before I posted.The question to ask yourselves is whether you need the $90,000/yearly income from the annuity.My first prejudice is that being able to...
View ArticlePersonal Finance (Not Investing) • Notifying Vanguard of a Death
Once you have the death certificate, take it to a copy center, Kinkos or Fedex or similar and have a good quality scan made. Vanguard and most other institutions allow you to upload a scanned copy --...
View ArticlePersonal Finance (Not Investing) • How to refinance a 7/1 ARM during a...
Current ARM Mortgage: $650,000Interest Rate: 7.5% (SOFR + 2% floating rate)Remaining Term: 23 years Payment = $4,949Scenario 1: Refi to 15-yr FRM15-yr Fixed Mortgage: $650,000Interest Rate: 5.5%Term:...
View ArticlePersonal Finance (Not Investing) • Mechanism for getting POD assets back into...
Assume an elderly person has a moderately large estate but there are no probate assets...Then why is there any need to open a probate case at all? Circumstances, details and state laws may vary so...
View ArticlePersonal Finance (Not Investing) • Maximum amount to avoid surrender? [Annuity]
This thread is now in the Personal Finance (Not Investing) forum (annuity). I also retitled the thread.(Thanks to the member who reported the post and explained what's wrong.)Statistics: Posted by...
View ArticleNon-US Investing • International Bond UCITS for an Sg-based Investor - IUAA...
Looking for bond etf that would not tank as stock etf holding for 10 years before starting to sell for expenses.Are you happy with the performance of AGGG or I would rephrase do you think it would not...
View ArticlePersonal Finance (Not Investing) • Business closed, how to get $1200 of...
The article listed a court date within the next few days, so you might have some luck by attending the hearing. If there already is a process for the BK filing, your attempt through small claims court...
View ArticlePersonal Investments • Any compelling reason to consolidate 401(k)s?
A good reason is that "stuff happens," and the ability of a medium-sized firm to keep their 401(k) plan stable may be affected by mergers, or business failures, or a sole-proprietor CEO whimsically...
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Personal Investments • BrightStart transition: fixed income or cash choice?
Hi, I've been happy with BrightStart 529 (recommended by smart folks here). Its Vanguard Federal Money Market portfolio fits my needs very well; with a kid already in college, I want to go with cash...
View ArticleNon-US Investing • US credit card, XE, or IBKR for expat expenses on USD income?
so long as your US credit card has no foreign transaction fee (FTF), gives you some kind of points or cashback, and isn't going to drop you because of perpetual foreign usageSorry if this question has...
View ArticleUS Chapters • 50,000 posts [for Valuethinker]
Always a pleasure to read your posts, Valuethinker.Statistics: Posted by Raymond — Sun Sep 01, 2024 8:29 pm — Replies 47 — Views 3462
View ArticleInvesting - Theory, News & General • Fidelity Money Market Funds
Minimum to start FZDXX is $10k in an IRA.100K, actually.Statistics: Posted by Tom_T — Sun Sep 01, 2024 8:30 pm — Replies 4 — Views 777
View ArticlePersonal Finance (Not Investing) • Power line through farm
My career was in power transmission, including 25+ year is line and sub construction from 69 to 500 kV, so I’ve been through this situation 500 times. In addition, my FILs farm was cut in half by a...
View ArticlePersonal Investments • Bond Choices
A lot of people with T/C just use TIAA Traditional in place of bonds on their fixed side. Something to consider.Statistics: Posted by windaar — Sun Sep 01, 2024 8:35 pm — Replies 2 — Views 155
View ArticlePersonal Consumer Issues • Front Bicycle Derailleur That's Easy to Shift
No use on an existing bike, but let me say that I have a "commuter" bike with a 9-speed rear hub, and anyone who has found derailleurs irritating should be aware that nine-speed hubs with very wide...
View ArticlePersonal Investments • 25 Dividend Stocks
Be very careful here of stocks that seem to be paying high dividends but are eating seed corn. That is, they are paying out high dividends but their share price is dropping.This is a crucial detail...
View ArticlePersonal Finance (Not Investing) • New opportunity - requires quite a bit of...
Hello all,I have something that I'd like to run by the collective to see what some of your thoughts are about taking an opportunity that carries a bit(!) of risk and also involves quite a bit of...
View ArticlePersonal Finance (Not Investing) • California renter's insurance with >...
Sorry for slow reply — AAA sold me an umbrella alongside named non owners car insurance. $600 annually for insurance including my partner, plus about $250 for umbrella plus membership.I’ve wanted NANO...
View ArticlePersonal Consumer Issues • Economy vs premium economy when traveling with a...
When my daughter saw the class of travel I was booking for both of us, and the fare difference ($700 vs $1500 round-trip), she instead wants me to:1. book her ticket in economy instead, AND2. that I...
View ArticlePersonal Investments • pay down mortgage vs continue investing
Here is an extreme example just to demonstrate a point.I do not think it is wise for the average 70 year old to have a portfolio containing 100% stocks. Does that mean that this 70 year old, who is...
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