Personal Investments • Retirement Options
Make sure to take a look at the target funds expense ratio and fees. I’m in a similar spot to you, 49. I contribute to a s&p 500 index fund and like it. They have very low fees, my guess is your...
View ArticlePersonal Finance (Not Investing) • IRMAA Appeal Process - Retroactive Refund?
I retired in 2022, and have not been employed since. I recently enrolled in Medicare and my coverage will begin in December. My income for 2022 was high enough to trigger an IRMAA adjustment, which I...
View ArticlePersonal Investments • Looking for advice for last decade before retirement
I do Roth 401k partly because I live in South Dakota which has no state income tax. We may stay in SD for retirement or could move somewhere warmer that could have a state tax. I get 5 percent company...
View ArticlePersonal Consumer Issues • Looking to install a home EV chargier in Europe...
I’m in central Italy, own a fully-electric car and installed a Wallbox (brand is JoinOn from Gewiss, a Northern Italian company). I have only positive experiences with it. It works reliably, it’s...
View ArticlePersonal Consumer Issues • What do you buy in Asian food stores?
Ground beefGround porkSalmon belliesFish heads for stockPork bones for ramenStatistics: Posted by jlawrence01 — Mon Nov 04, 2024 2:06 am — Replies 136 — Views 18013
View ArticleInvesting - Theory, News & General • Why is determining a withdrawal rate...
Simple question that I am sure will have many complex answers that will hopefully give people some good insight into how they want to manage their withdrawals.Why is determining a withdrawal rate or...
View ArticlePersonal Finance (Not Investing) • Where do you bank and why? 2024 Edition
We use credit union, and chase. Chase offers instant transfer to certain institutions like fidelity. Interesting learn about discover 1% back on debit. Thanks.Statistics: Posted by sgm7091 — Mon Nov...
View ArticlePersonal Finance (Not Investing) • Annual expense change in retirement
Our spending has ballooned since retirement, mostly due to luxury and expedition travel.Statistics: Posted by Cruise — Mon Nov 04, 2024 3:11 am — Replies 10 — Views 988
View ArticlePersonal Consumer Issues • How Does Buying From Carmax Actually Work?
Can't answer on purchase, but I've sold a car there and it was so seamless I was happy with the delta against what I could've recouped selling it myself...Statistics: Posted by hunoraut — Mon Nov 04,...
View ArticleNon-US Investing • Help needed to understand UK taxes on non earned income
Also it was mentioned that foreign income is reported separately but do the allowances or the tax rates differ at all? If the numbers in my example above were all coming from US based institutions...
View ArticlePersonal Finance (Not Investing) • Personal loan on a house
Thanks for the suggestion. My parents do want to collect a little bit of interest which I am totally good with. So currently looking into a recast since source of funds isn't much of a concern with...
View ArticlePersonal Consumer Issues • Continuing Care Retirement Communities: Coping...
In several instances, when one spouse has needed to move to memory care, a different facility has been selected, a board and care home with only six residents which can be an excellent choice for a...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Does anyone know if Fidelity offers any retention bonuses to match competing brokerages? I am currently using them and like their services so far. Last few comments were 1k per 1mil / Fidelity is not...
View ArticlePersonal Finance (Not Investing) • Is this Really a Wash Sale?
The answer given repeatedly above is absolutely the usual answer to this question. It's the answer that Fidelity's systems are programmed to follow. It's the answer that's supported by the text of...
View ArticleUS Chapters • "Pre-Retirement/Early Retirement" Life Stage Virtual...
Why would life insurance be a focus for near retirees?The main reason is that many near-retirees have old life insurance policies they would like help with in deciding whether to keep them or ditch...
View ArticlePersonal Investments • 401k Fund Choices – Need Guidance
Here are the full fund choices: https://imgur.com/a/RbT2ETBFor the longest time, I’ve just stuck my money in the Fidelity 2065 TDF. I’d prefer to have a traditional 3 fund portfolio, but with a 0.06%...
View ArticleInvesting - Theory, News & General • New tool for building a TIPS ladder
... I see an inconsistency in the way the gap years that use the 2034 are handled, ... The Real interest income is calculated in a consistent manner where the 2040 is used (2038-2039), but not where...
View ArticlePersonal Finance (Not Investing) • Help! My late father bought me a variable...
I have had a similar situation and my advice would be to cash out the policies and never return to this kind of insurance product. Simple term life for the win.Best wishes.Statistics: Posted by...
View ArticlePersonal Consumer Issues • 5 Day Trip To London
Churchill War Rooms is a must visit. Stonehenge was kind of a disappoint to me (but the trip out to Bath is nice). Spend as much time as you can walking around Chelsea, Marylebone, and Notting Hill....
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Personal Consumer Issues • Retrofit/removal of touch screens in cars?
There is such a thing as human factors/ergonomics. How the human interacts with the machine. It matters in aircraft design. Apparently it matters in warship design. And it should matter in cars, as...
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