Personal Finance (Not Investing) • Which FEHB Plan Did You Choose And Why?
For the last few years before I retired (in 2018), my wife and I were enrolled in the GEHA HDHP. We invested the maximum amounts into our respective HSAs and haven't yet touched them. At present, our...
View ArticlePersonal Consumer Issues • Need Help Unclogging a Drain
Interesting comments. The AC condensate line is rubber hose from drain pan to tie in just above bathroom sink P-trap. That is clear, water in that is flowing just fine. The AC condensate is the...
View ArticlePersonal Investments • Impact on Social Security and Annuities on Asset...
I am looking to provide some assistance to a relative who is trying to leave a high fee investment advisor. They are currently in approximately 20 mutual funds and etfs with an average expense ratio...
View ArticlePersonal Finance (Not Investing) • Helpful Reminders for New Jobs (Fresh in...
One thing to add is if you have a charitable giving match, use it early in the year. We get $30k matched to charities we support anyway and it’s absolutely my favorite benefit the company...
View ArticlePersonal Investments • Has anyone besides me had a Vanguard inbound transfer...
Ok, I called Vanguard to ask what happened. They said instead of the transfer of 16700 shares of VWSUX as I requested, for some reason the transfer was $0.36 in cash. They had no idea why that...
View ArticlePersonal Finance (Not Investing) • Cutting Expenses
I'm going to disagree with trying to save a few dollars here and there.It's a lot of effort for a low payoff.It is more important to get the big decisions right, e.g. don't buy too much house, don't...
View ArticlePersonal Investments • Anyone else NOT getting reliable time streaming quotes...
I noticed a few changes in their website tonight. Plus they had some message when I logged in about some things. So perhaps they were doing a big software up grade.Statistics: Posted by B88 — Wed Jun...
View ArticlePersonal Finance (Not Investing) • As a percent of your career, how much time...
A couple of weeks if you don't count severance. 0% if you count severance -- strangely, while still working a job for several months after getting a layoff notice (part of the retention team), I...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
AU gets same bonus but if DW is PH can get own cards and increase total quarterly limits on CCRs for example (can get more cards faster with two individuals applying).Exactly. This was the reason for...
View ArticlePersonal Investments • Portfolio Review Request and Recommendation
OP, why do you have SO MANY funds and stocks in such LOW percentages?I count 34 funds and stocks with < 1.0% allocation and another 9 with < 2% allocation.Do you think you need that kind of...
View ArticleNon-US Investing • Australia to USA permanent move - retirement investment...
Welcome to the forum.I am trying to find out if there are specific things I need to know about managing retirement accounts across two countries and if there are any decisions I should consider so...
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Personal Finance (Not Investing) • Proposed new wiki page: Retirement...
The complexity isn't any more than things already on the wiki like this or this or this. ...I took a look at existing tools and found MDM's Roth conversion spreadsheet does consider heirs' tax...
View ArticlePersonal Finance (Not Investing) • Thinking about Bankruptcy
… those debts were combined debts between my ex and I. I was able to pay off all those before and during the divorce which is one of the main reasons I gave her the ownership of the house and also the...
View ArticleInvesting - Theory, News & General • Are you a closet market-timer?
Update, I did some rebalancing as follows:1. Sold some large cap stock and purchasedA. Bonds ~75%B. Midcaps ~25% (large caps are top heavy)Statistics: Posted by Financologist — Wed Jun 12, 2024 3:02...
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Investing - Theory, News & General • Expectancy of selling options
Also, how can the empirical positive returns from volatility exposure with vertical credit spread be explained, which are well protected on the downside? A vertical credit spread, delta hedged. For...
View ArticleNon-US Investing • Uk: are there any advantages with a high credit score...
I checked for fun my own credit score on Experian yesterday and I have 999. I don't plan to take out a mortgage nor ask for a loan or anything like that but I was wondering whether one could have any...
View ArticlePersonal Investments • Maintain W2 SEP IRA and 1099 Solo 401K in Same Tax Year?
I have a W2 job where the owner contributes 20% of pay into my SEP IRA. Because of this, it is my understanding that I can not do a Backdoor Roth IRA with a balance greater than 0 in the SEP IRA (or...
View ArticlePersonal Finance (Not Investing) • should I sell my taxable investments to...
..I'm 2 years into a 5/30 mortgage at 4.25%, balance is $494k on a $2m home. I have $500k in taxable investments in a Vanguard brokerage account. Savings is 100k in cash, $1.5m in retirement accounts,...
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US Chapters • Roll Call for the Retirement Class of 2024!
I retired 18 March 2024. I am 60 years old. I was worried that I wouldn’t have enough to do. I find by planning the day before what I want to get done the next day, I’m busier than when I was working....
View ArticleInvesting - Theory, News & General • Covered Call Strategy When You Know...
Yes this is one of (maybe the only?) times when it makes sense for regular investors to engage in options, is when utilizing them as limit orders. If you’re committed to placing a limit order to buy...
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