Personal Finance (Not Investing) • Re: How To Buy a Home in Retirement
Does it differ that much from pre-retirement?Well... I'm not a banker. But many (most) people make more money while working than they collect from social security on an annual basis. So, for that...
View ArticlePersonal Finance (Not Investing) • Re: Which banks offer true joint credit...
Can confirm Fidelity (Elan) will change individual cards to joint cards. Both my wife and I had Fidelity credit cards in our names only. We converted both to joint, so now we have two joint cards. It...
View ArticlePersonal Investments • Re: TIAA Traditional
Do you have an account on tiaa.org? It has a "retirement income planner" or "estimator" (forgot their exact term). I tried it about a week ago and it said about 9.9% per year from my RA Traditional if...
View ArticlePersonal Investments • Re: Investment Advice for my 77 y/o Father
Your dad is 77 with two million dollars. Unless this is the first time he's ever invested doesn't he already have an opinion on what he wants? Why is he asking for your help?In 2008 when the market...
View ArticlePersonal Consumer Issues • Re: Have any of you had a hair transplant? If so,...
Just to give my own opinion. I have frontal balding hair. Friends deal with it better than I. They cut it short, about an inch or so. BIL uses hair product to make it stand up, not quite spiky. I’ve...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
I'm really sorry you're experiencing the mess that is Ascensus. Getting my last residuals transferred took weeks of calling and checking and re-checking. In my experience, basically you just have to...
View ArticleInvesting - Theory, News & General • Re: Is tax loss harvesting even...
I can understand why it would not appeal to someone who is in the 22% bracket.that's $660 savings in taxes on a $3000 reduction of ordinary income. $660 covers:6 months of my car insurance and leaves...
View ArticlePersonal Investments • Re: Can I afford a 1,150,000 house?
230k current mortgage. Plan to rent this house out or sell it. Rent will pay for mortgage plus a few extra hundred/month.A few hundred a month over mortgage is NOT enough to make renting it worth it....
View ArticlePersonal Finance (Not Investing) • Re: Would you get a higher umbrella policy?
Is the overarching thought to insure your net worth?Statistics: Posted by sec_vol — Fri Jan 24, 2025 4:26 pm
View ArticlePersonal Finance (Not Investing) • Re: Tax on inherited I-bonds
From IRS Publication 550 ("Investment Income and Expenses") p. 25:U.S. savings bond interest previously reported. If youreceived a Form 1099-INT for U.S. savings bond interest,the form may show...
View ArticlePersonal Consumer Issues • Re: Is a 5-Ton HVAC System Properly Sized for My...
In most of the country, heat pumps no longer need a backup heat source. Search "hyper heat".That would only apply if the OP actually had a low ambient heat pump installed, which is relatively rare in...
View ArticlePersonal Finance (Not Investing) • Re: DIY taxes?
I use Freefile Fillable Forms for federal.I use my free state filing system.I, too, have the time to do this.Statistics: Posted by lws — Sat Jan 25, 2025 4:27 pm
View ArticlePersonal Investments • Re: Can a brokerage account be treated like an...
Can a brokerage account be treated like an emergency fund if the earlier contributions have seen large gains?People worry about paying capital gains taxes too much. Paying taxes is never fun but if...
View ArticlePersonal Consumer Issues • Re: Weighted Vests
I would be very careful about going down this road, especially considering your prior back injury. My 54 year old very active heavlthy brother really messed up his back doing this, and was in physical...
View ArticleInvesting - Theory, News & General • Re: Calculating the increase in...
They pay interest in a completely different way. The OP was about “TIPS”. They do not pay real interest in a completely different way. TIPS pay a coupon every 6 months. Savings bonds do not pay...
View ArticleInvesting - Theory, News & General • Re: Vanguard fined > $100 million...
Ineptitude is more alarming than mens rea…guess if you are going to cut fees for your clients, the best thing to do is to cut those fees in a way that doesn’t end up hurting your other clients....
View ArticlePersonal Investments • Re: Dropping the Advisor.
I might talk to PAS and let them know that you want to move towards their boring index funds portfolio. You could then take it over after the portfolio is at or closer to the three fund portfolio that...
View ArticlePersonal Consumer Issues • Re: Slim wallet recommendation that can fit cash
I've been carrying this minimalist front pocket wallet for almost two years, and it is starting to show some wear, but for $10, I wasn't expecting an heirloom piece. My DW uses the same one.Travelambo...
View ArticlePersonal Investments • Re: What percentage of your fixed allocation in...
About 20% of my fixed is in a TIPS bond index fundStatistics: Posted by mike@jb — Sun Jan 26, 2025 4:32 pm
View ArticlePersonal Consumer Issues • Re: Car question
A 2010 Corolla with only 47k miles does sound appealing for its reliability and low mileage, but the dealer's asking price of $9k does seem a bit steep, especially for a basic model without many...
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