Personal Investments • Is keeping a five year cash reserve in retiremnet a...
You could live in retirement while taking whatever you need from your investments each month. Or you could put five years of reserves in cash (assuming you can afford it) and then take from it each...
View ArticlePersonal Consumer Issues • Rear ended, insurance doing the dance.
My son was rear ended by a lawn service company truck. (About $1500 damage) Their insurance latest trick is that this particular truck was not on the company's vehicles insured list. The repair/quote...
View ArticlePersonal Consumer Issues • MLB.com Blackout Policy
Anyone familiar with the "Blackout Policy" on MLB.com's streaming service? I was excited to watch the Detroit Tigers tonight as they continue a late season surge to make the post-season. When I tuned...
View ArticlePersonal Consumer Issues • Venice Italy hotels
I'm planning a trip to Italy in 2025 and particularly a few days in Venice. There are, of course, a myriad of hotels in Venice to choose from. If anyone could offer recommendations in the $300 range,...
View ArticlePersonal Finance (Not Investing) • Social Security withdrawal strategy: My...
I was out in the garage fixing something and my wife came out and showed me a video she watched on SS withdrawal strategy. Guy was touting why you should take SS @ age 62. I listened to it and then...
View ArticlePersonal Finance (Not Investing) • HELOC vs Home Equity Loan... what's the...
I refinanced my $90K 2nd mortgage as a 20-yr term Home Equity Loan with US Bank @ 9% interest fixed rate, earlier this year in March/April of 2024. Now with lower interest rates 6 months later, I'm...
View ArticlePersonal Consumer Issues • Magazine Subscription Cancelled by Magazine Broker
In the past, I have redeemed points on a survey website for a magazine subscription to a single magazine. Since I hadn't received the magazine in a while, I contacted the magazine's customer service...
View ArticlePersonal Consumer Issues • 529 fund for college savings.
I have a five year old son and want to start saving up for his college education. I can already tell he is very smart and college material. I'm looking into the 529 fund and want to hear what you...
View ArticlePersonal Finance (Not Investing) • Legit or Scam: Buy New Car, Sign Lease for...
We talked to our local Toyota dealership today about buying a new 2024 Rav4 Prime ... with trade ins, they started out with a price of $28,000. We started walking out, and they came back at a lower...
View ArticlePersonal Finance (Not Investing) • Can a FIRE person receive social security...
If a person retired prior to social security eligibility due to financial independence but not due to disability, and then becomes disabled per social security definition, can this retiree receive...
View ArticlePersonal Consumer Issues • Waterproof slim gloves
I need black/dark grey waterproof gloves at least lightly insulated and somewhat formal for wearing with say a pea coat. Touch screen friendly would be good too.I have only been able to find bulky and...
View ArticleInvesting - Theory, News & General • Distribution intended to be RMD but...
My wife's RMDs started this year and she wanted to do it herself. She got the correct amount from her IRA into her settlement fund ( next step is exchanging it into her taxable account) but I'm not...
View ArticlePersonal Finance (Not Investing) • FIRE at 42?
Seeking advice on my FIRE plan. I think I’ve made it but would like people’s opinions on anything I’ve missed.Age: 42, 42 (married)Assets:$1M Zillow estimate on forever home$260k mortgage @ 1.99%...
View ArticlePersonal Finance (Not Investing) • The Saga of Incorrect Tax Software
Hang on for a bit of a story…In 2022, I sold a bit of stock – approximately $4 Million worth - in a seemingly simple transaction, well aware of the tax implications. These were all LTCG. I have always...
View ArticlePersonal Finance (Not Investing) • Estate planning documents/steps
Married (48M, 43F) with two kids (8 and 6). Live in South Carolina. Shortly after we had our second girl we sat down with an estate attorney to draft:-- Wills-- Durable POAs-- Declaration for desire...
View ArticlePersonal Investments • Federal MM Fund vs. Treasury MM Fund
Hi, folks. Looking for some help understanding the major differences between these two popular money market funds. (Also, just to get this out of the way, I have searched through previous threads on...
View ArticlePersonal Finance (Not Investing) • Question on an Umbrella Policy
My wife and I recently picked up an umbrella policy for us. We have a 22-year-old son who lives at home. He works full-time and has his own separate automobile insurance policy that he pays. The...
View ArticlePersonal Consumer Issues • Heritage wheat
Hi allI am thinking of switching to heritage wheat varieties for my flour and bread making. Maybe it is healthier, maybe it tastes better, maybe I have too much time. What is a good source to buy...
View ArticlePersonal Investments • Frustrated trying to transfer Annuity$ to Vanguard IRA
I have an (traditional IRA) annuity through Oxford Insurance that reached a maturity date September 20, starting a 30 day clock that I may cash out. My intention is to transfer the funds into my...
View ArticlePersonal Investments • Social Security Question
It is often said that for married couples, the higher earner should wait until 70 to claim SS while the spouse could claim earlier.My question is what happens if the higher earner dies before reaching...
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