Personal Finance (Not Investing) • Age and probability of needing long term...
Looking at probabilities is great for large groups, and pretty useless for one individual. You probabilty of needing long term care is either 100% or 0%, there is no in between.Whether you ultimate...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
- There are different rules and regulations on check fraud. Banks are more rigorous and more helpful, Fidelity uses a third party bank that is not very accessible. And since I cannot place a limit on...
View ArticlePersonal Investments • HSA limit for partial year
The allowed amount is the annual maximum divided by the number of months you were eligible, so just 5/12 of the total.Statistics: Posted by Exchme — Sun Mar 24, 2024 9:39 pm — Replies 1 — Views 84
View ArticlePersonal Finance (Not Investing) • Does It Ever Make Sense For FEHB Enrollees...
Many retired federal employees just continue their FEHB coverage and never enroll in Medicare part B. It's very good comprehensive insurance with many choices in policies and you can switch every year...
View ArticlePersonal Investments • Retirement Contribution Questions
This is good food for thought. Thank you all for taking the time to help me think through this. The 401k rep said my plan charges a .16% service fee quarterly. Maybe this is a normal reasonable fee....
View ArticlePersonal Investments • Wells Fargo WellsTrade brokerage account access question
@swong Be afraid, be very afraid conducting any business with Wells Fargo. I just closed my account with Wells Fargo and moved all my holdings over to Schwab but NOT without major headaches and a huge...
View ArticlePersonal Consumer Issues • When brand names matter and when they don't
Coffee - yes it mattersStatistics: Posted by goldendad — Sun Mar 24, 2024 9:48 pm — Replies 148 — Views 7629
View ArticlePersonal Finance (Not Investing) • State Retirement System Refund
You could simply roll the $14k to an IRA and then convert it to Roth. Tax of course will be due but will be at your marginal rate unless it pushes you into the next bracket. It’s likely small dollars...
View ArticleInvesting - Theory, News & General • Silly TLH games
You just proved above with your own post that no matter the amount of harvesting done in a month it would typically only result in a single additional fund. It's after some years go by that TLHing...
View ArticlePersonal Finance (Not Investing) • Annualcreditreport.com -- Legit?
The FTC tells you how to get your free credit reports at https://consumer.ftc.gov/articles/free-credit-reportsIf you scroll down the page, it directs you to AnnualCreditReport.com So, yes, it is...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
I want to say "it's the economy stupid", but soon enough some one smarter will say GDP and markets have no relation.Anyways here's the info.Europeans are facing a new economic reality, one they...
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Personal Consumer Issues • Do you setback thermostat on your electric heatpump?
Nice. Because the heat of the pump contributes to the heat delivered in heating mode. Statistics: Posted by just frank — Mon Mar 25, 2024 10:01 pm — Replies 46 — Views 2390
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
Amazon PrimeGrade: AOther MonstersWrongly accused of murdering his only love, a troubled ex-Marine embarks on a bloody quest for justice.2IMDb 4.01 h 33 min2022X-RAY18+SuspenseStatistics: Posted by...
View ArticlePersonal Investments • buying mutual funds seems easier than buying ETFs
I can log into Fidelity and place an order right now for an ETF and specific it for "Market Open" tomorrow. Does Schwab not allow this?No Schwab does not. And that would not solve my problem--see...
View ArticlePersonal Finance (Not Investing) • HSA Contribution Limits Confusion for 55+
Thank you @MP123.Statistics: Posted by realclemsongrad — Mon Mar 25, 2024 10:03 pm — Replies 14 — Views 1943
View ArticlePersonal Investments • Those complimentary dinners for retirees by investment...
I would gladly pay to have the presenter go away so we can enjoy our dinner. Oh wait, we already can have that experience at a restaurant we choose.Statistics: Posted by Northern Flicker — Mon Mar 25,...
View ArticlePersonal Finance (Not Investing) • Would you do a house upgrade?
Is it really your dream house from all perspectives? Are you drawn to it because of the reduced price? Would you prefer another house in the same area? Perhaps a more expensive one? Look at all the...
View ArticlePersonal Finance (Not Investing) • LTC + Universal insurance in one product
My employer is offering a novel (to me) product as a benefit which has both long term care benefits as well as universal insurance bundled in one product. It's offered as one time special enrollment....
View ArticlePersonal Consumer Issues • Help me choose a new heating and air system? (HVAC)
You wrote "Trane or Lennox Furnace + Heat Pump." The indoor unit is an air handler, and the outdoor unit is the compressor. With a furnace, the indoor unit typically has a gas fired furnace + fan....
View ArticlePersonal Consumer Issues • Reasonable sized smartphone: does such a thing...
Posting just to say I agree with your preference for a smaller phone.Very discouraging that the phones are just getting larger and there does not seem to be any manufacturer focusing on a reasonable...
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