Personal Finance (Not Investing) • Paying cash for a house vs rent in retirement
Renting has the overwhelming disadvantage of unknown costs. My rent went up 25% one year and 10% the next. In retirement a couple such increases on a limited income would be devastating.Um, owning a...
View ArticlePersonal Investments • Pension vs Lump Sum: Implications of no-COLA
I don't think there is a general answer because pensions are all over the place. Monetarily, I would compare your pension amount to what an immediate annuity would pay using the lump sum offered in...
View ArticlePersonal Finance (Not Investing) • Complaining to the state contractor board
Perhaps you should review the written contract you signed. It no doubt contains requirements for when payments are due, and what constitutes completion of your project. A letter to the company which...
View ArticlePersonal Investments • We saved nothing for college...BUT...
We would like to get some feedback on different approaches to prepare for this financial challenge (paying for college for two kids). I think you already know the approaches:1. Apply for financial...
View ArticlePersonal Finance (Not Investing) • Medigap Policy Doesn't Show up in...
My Medigap didn't show up for quite some time at the Medicare site after my November 2023 signup. Now it is listed three times. No worries, you have coverage.Statistics: Posted by huskerblue — Fri May...
View ArticlePersonal Finance (Not Investing) • Part year resident income tax returns [How...
Are you sure the detail isn't in the brokerage statement? It is in mine (Vanguard). If not, use your regular statements. You should be able to reconcile the regular statements to the tax doc. There...
View ArticlePersonal Consumer Issues • Granular Activated Carbon (GAC) whole house water...
We installed a system using the Big Blue filter housings--the 10" size. I buy replacements on Amazon. The prices vary wildly, as do all things on Amazon. I've gotten GAC filters for as little as $30...
View ArticlePersonal Finance (Not Investing) • IRS Pulled money from my checking with no...
The lack of funds still in that checking account would not stop the IRS from pulling back the entire refunded amount if it was an error. If they send A's 100K refund erroneously into B's account (and...
View ArticlePersonal Consumer Issues • Assistance needed for owning email / domain
Zoho will also tell you exactly how to set up the SPF, DKIM and DMARC data. And yes, you used to be able to skip this, but now it is pretty much essentialStatistics: Posted by Hebell — Sat May 11,...
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Investing - Theory, News & General • Y'all may be missing the point of TIPS
If I-bonds were as easy to deal with as treasuries ... that'd be great. But I didn't want the hassle of Treasury Direct ... Before I first dealt with Treasury Direct a few years ago I dreaded even the...
View ArticlePersonal Investments • Those complimentary dinners for retirees by investment...
what are the chances that the meal you get is not the same level of quality as the one you would get as a regular patron? It used to be that the meals at virtually all of these presentations included...
View ArticlePersonal Finance (Not Investing) • Helping out parents
Rather not take away from the OP. But might try GAHere's hoping things work out for you dealing with that situation!And to bring it back to OP, they wrote:My wife's parents are getting older and have...
View ArticleInvesting - Theory, News & General • VTI article... Not as diversified as...
I think the website might be overdue for a name change. Perhaps:- Seeking, But Never Finding, Alpha- Desperately Seeking Alpha- Seeking Alpha, Finding BetaI think it was Gus Sauter, the former Chief...
View ArticlePersonal Investments • financial advisors
What do you want the financial advisor to do for you that you don't know how to do for yourself? What is it you think you're missing out on that they can help you with? Once I know that, I can...
View ArticlePersonal Finance (Not Investing) • Protecting assets for potential nursing...
… We do have an elder law attorney but uncertain of her competency. …Perhaps your trusts and estates lawyer could recommend one.What exactly should the non attorney client be looking for to...
View ArticlePersonal Investments • 64 YO, advisor recomends 70/30 AA
Sounds to me like a reasonable recommendation. As you noted, he said your portfolio was fine. However their planning software said you’re likely leaving money on the table and recommends 70/30. Makes...
View ArticlePersonal Finance (Not Investing) • First Home Purchase Sanity Check - $650k
OP, you can afford it mathematically for sure. You're getting some tough love on the forum because you're a bit dismissive of some of the thoughts others are offering. This forum is ultra conservative...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
. . .Or... do I have to add VCP as an external bank using the account and routing number? This seems like a strange way of doing it, but don't see why it wouldn't work.Not helpful in the current...
View ArticleInvesting - Theory, News & General • Book: The Case for Dividend Growth
To me, the very interesting thing about dividends (and long term capital gains) is that one may draw quite a bit from after tax brokerage accounts tax free. Hand-in-hand with some Roth income the wife...
View ArticlePersonal Finance (Not Investing) • "Open Social Security"...
Can you provide information about discount rates and also the expected COLA increases by SS. If I take social security early instead of withdrawing money from an S&P500 fund which discount rate...
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