Personal Finance (Not Investing) • Wise Debit Card
On 3d secure, if you google wise debit card 3d secure, a wise help center article comes up and says (underlining mine)You can use your Wise card to make online payments. For some online payments,...
View ArticlePersonal Finance (Not Investing) • Should we pull the plug and go OMY? (When...
I think you are close… but my first suggestion would be to go on a relaxing vacation first! The biggest concern for early retirement, is having access to affordable healthcare. Ensure you understand...
View ArticlePersonal Investments • It seems the market knows to punish me when I deviate...
I know this is blasphemous but I wanted to confess my mistakes. Each time the market seems to be watching, ready to punish me. Here are my confessions:I got into the ARK craze in mid-Jan 2021, put in...
View ArticlePersonal Finance (Not Investing) • Retiring abroad
My wife and I retired in 2022 and now travel abroad full-time. Prior to retirement we lived in Washington so that is what we use as our state of residency. We did sell everything we own, including our...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields have...
I plan to retire in ~10 years (2034) and I will collect SS in 2050 when I am 70. From 70 and on, me and SO's spending will be below the total of my and her SS (after-tax).You're in your mid-40s now....
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Non-US Investing • An Australian expat living in Hong Kong - Asset...
I bought the AUD ages ago when the AUD/USD exchange rate was around 0.8, currently its sitting at 0.64, I'd rather not commit the loss. Beside since there is a possbility that I might return to...
View ArticlePersonal Investments • Backdoor Roth IRA - Dividends and Form 8606
5498 is for contributions which the earnings are not.Statistics: Posted by placeholder — Wed Apr 17, 2024 1:54 am — Replies 7 — Views 586
View ArticlePersonal Consumer Issues • Best tours for China?
It was great! Very intense and we are still recovering from jet lag and just being burned out in general. There was A LOT to process... it may take me a while before I can summarize it.I’m glad to...
View ArticlePersonal Finance (Not Investing) • IRS hasn’t debited tax $ yet
I filed the return via freeTaxUSA on 04/14 and it was accepted in 3 hrs and waiting for the money to be debited (by default the earliest selected date was 04/15 as 04/14 was the weekend at the time of...
View ArticleInvesting - Theory, News & General • Effective interest rate of a 401k loan
I'm not sure I agree with this perspective. It is double taxation when compared to a normal contribution, and But it isn't a contribution but rather earnings on the loan amount and the earnings...
View ArticlePersonal Consumer Issues • How to deal with airlines/travel agency?
You would like better be served posting this question on flyertslk.com in the respective forum for each airline. At least for your flights that touch US soil DOT is clear you are owed a refund:...
View ArticlePersonal Investments • Brokered CDs and Delayed Settlement Dates
T-Bills or SWVXX. There is no way you can come out ahead on short-term CDs. You are earning little to nothing while you wait for settlement, and they are hard to sell if you need to liquidate them...
View ArticlePersonal Finance (Not Investing) • Moving from Vanguard to Schwab or Fidelity
I chased a Fidelity bonus years ago and I didn't finish the process. The software and bureaucracy was just too much hassle. Perhaps they have improved over time, perhaps the bonus was devised to be...
View ArticlePersonal Investments • Where to invest after maxing out 401k and roth?
Debt: - 216,500 – student loan debtIf this matters, don’t like big risk. Paying off debt is risk free.I'd work on that.Regards,I am paying 2600/mo and planning to pay additional 30k per year. This...
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Personal Finance (Not Investing) • Auto finance rates - my word
If you’re a buying a dime a dozen car every 10 years sure. If you want a hard to get 911 ordered at MSRP when they’re selling for $25-50k over sticker used then you’re going to have to build that...
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Personal Investments • Money Market Funds vs US equities right now?
Plenty of markets have not only not gone up, they've either closed forever or fallen and failed to ever recover to previous highs. Markets going up, even over long time horizons, is absolutely not a...
View ArticlePersonal Investments • Which Account for Treasury or CD Ladder?
I have a two year Treasury Note ladder in my after tax account. I am out of room in my tIRA, plus tIRA withdrawals are both federal and state taxed for me while the after tax account at least avoids...
View ArticleInvesting - Theory, News & General • Etrade and Morgan Stanley
Hello All, I am trying to find if Morgan Stanley brokerage accounts have fees and does one need to always have financial consultant tied to them. For etrade, I know that it is mostly self-directed but...
View ArticlePersonal Investments • How would you handle a D.R.O.P. account in your asset...
Your DROP account, depending on the state, is retained by the pension system with that guaranteed rate of return. Once your separate it is rolled over into a 401a. Once separation occurs you take on...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
For those with experience using firms other than Vanguard for i401k plans, how helpful are they with filing 5500?Statistics: Posted by CalPoppy — Thu Apr 18, 2024 12:25 am — Replies 37 — Views 3463
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