Personal Finance (Not Investing) • Revocable trust or Will, in California?
I finally signed up for my work's group legal plan (ARAG), in order to get end-of-life estate planning done - I'm in my 40s, so nothing imminent hopefully, but I thought it would be a good idea to...
View ArticlePersonal Finance (Not Investing) • Mother gave all personal info to scammer...
My mother is a potential identity theft victim. She's in her early 80's, and has a net worth of ~$10M, primarily in liquid assets, and lives independently. I've taken some first steps (detailed...
View ArticlePersonal Finance (Not Investing) • AirPods Pro - HSA Eligible Expense?
I've read that hearing aids are an HSA eligible expense. Since the FDA has approved the hearing aid function of the AirPods Pro, would these now be considered eligible for reimbursement?Statistics:...
View ArticlePersonal Investments • TIAA "advisor"
DW and I both have Tiaa accounts.We are assigned a kind of team...an advisor, a secretary type, and a hands on person who really gets things done. The upshot is that the get-things-done person was...
View ArticlePersonal Investments • SEP IRA or Solo Roth 401(k)
Looking for a reasonable strategy to build my Roth beyond considering IRA to Roth conversions. I have $3.3 million in my traditional IRAs 61 years old. My current balance in my Roth is $27,000. My...
View ArticlePersonal Consumer Issues • Phone number changed without my consent
Hello community,I am a customer of Hello Mobile. I recently received a message from the provider saying they updated their network and they want to change the sim for the upgraded network. But they...
View ArticlePersonal Investments • Fidelity HSA Balance question
does a certain amount of one's balance need to be in a settlement fund to fund debit card purchases? Or can it ALL be invested in a fund/etf and Fidelity will sell fractional shares to cover...
View ArticlePersonal Consumer Issues • Recommendations for long sleeve merino base layers...
As I get older (though still not yet 40), I have gotten drastically less tolerant of cooler indoor temperature. I used to do just fine in 63 F with trousers/jeans on the bottom and tshirt + dress...
View ArticlePersonal Finance (Not Investing) • Advice on car repair
I have a 20 year old Toyota Camry that has a catalytic converter that is going bad. A reasonably priced mechanic that I trust quoted $2000 to replace it. The car has 150k miles on it and is in...
View ArticlePersonal Finance (Not Investing) • Best way to receive inheritance?
My wife will soon receive around 300k from her mothers estate. I am not sure how these funds get dispersed (paper check, ACH or whatever) but my main question is: Can I just add these funds to our...
View ArticlePersonal Finance (Not Investing) • 1M Umbrella Insurance Renewal Sticker...
Hello,I recently recieved a renewal quote for a 1M Umbrella Insurance policy after adding a child driver. Let me say my eye/ear drums bulged after hearing that the price had gone up from 373 (2...
View ArticlePersonal Finance (Not Investing) • Simple IRMAA Calculator/Estimator for MFJ...
I've created a simple IRMAA calculator/estimator for the married filing jointly first threshold (Google Sheets). I thought I would share. Let me know if you find it useful, or if you see any glaring...
View ArticleClik here to view.
Investing - Theory, News & General • Should our allocation be changed to...
With the run up in the market, and seeing all the posts about this and that ratio at or near all time highs, I have been thinking about changing our allocation to a more conservative one. We are...
View ArticlePersonal Finance (Not Investing) • Preparation for solo aging at home
The tread aging-at-home vs nursing home for the kinless that had 10557 views is locked due to Death with Dignity and related discussions. Respectfully, hopefully, someday such discussions will be...
View ArticleInvesting - Theory, News & General • DFA: Mostly TIPS at retirement
This is an interesting contrast to Vanguard.5 years from retirement, DFA target date funds are:38% Global Equities5% Global Bonds56% inflation-Protected BondsRetirement Year to 10 Year Post...
View ArticlePersonal Finance (Not Investing) • Credit card to maximize the value from big...
I have a big purchase coming up in next month and am trying to see which credit cards should I consider applying for - to maximize the cash back. The CC amount is going to be north of...
View ArticlePersonal Investments • Making the decision to retire
I’m 61 (wife 53 and already retired). No debt, no dependents.MoneyGuide pro gives us a score of 86 with us living to nearly 100 (comfort zone is supposedly a score of 75-90).Our initial pre-Medicare...
View ArticleClik here to view.
Investing - Theory, News & General • Can index funds ‘dry up’?
I was pondering a question about index funds.So:Presumably companies that issue stock (e.g Apple) have a finite number of shares they can issue. If that’s true, as investors keep on buying index funds...
View ArticlePersonal Finance (Not Investing) • Mom with alzheimers, purging, stuck on...
My mother has mid-late stage alzheimers.Initially, I moved her in with my ex-wife and I. After living with her for about a year she would constantly tell us how much she hated it, hated us, etc (this...
View ArticlePersonal Consumer Issues • Best (and simplest) way to buy a used car?
I'm not in a rush but started looking into buying a used car. I don't mind one that has a bunch of miles, but would like a well kept, clean title, no accidents, 1 or 2 owners, etc. I don't want to...
View Article