Personal Investments • Secure 2.0 and Simple IRA 2025 Contribution Limits
I’m having a difficult time locating a clear source describing the new rules for Simple IRA contribution limits that incorporate Secure 2.0 changes. Does anyone know if the below site is accurate?...
View ArticlePersonal Finance (Not Investing) • Debt Payoff Priority
Hello all, I find myself in a position where I'm not entirely sure how I want to proceed.I have 2 loans I'm urgently trying to pay off. I'm working multiple jobs to pay off ASAP. 1- Car Loan - $25,000...
View ArticlePersonal Consumer Issues • Qest Shut off valves (Polybutylene)
Hi: Looking for some Plumberly advice. Have been told by a plumber to pre-emptively change all Qest (polybutylene) shut off valves and attached supply lines in the home (about dozen valves and dozen...
View ArticlePersonal Investments • Reliable family vehicle
I (32M) need a reliable family vehicle that’s larger than a regular sedan. I’ve been sharing a vehicle (Kia forte) with my serious gf (22F) and I have 3 pre-teens (ages 10, 11, and 12) that are...
View ArticlePersonal Finance (Not Investing) • Long term care
[Topic is now in Personal Finance (Not Investing) - mod mkc]I have LTC insurance but my wife does not. I am 69 and recently retired. She is 67. I have deposited 50K in SCHG (Schwab Large Cap Growth)...
View ArticlePersonal Investments • Portfolio for near retirement
Need some help on figuring out how to allocate a porfolio for a 60 year who is nearing retirement and has been holding $600,000 in 95% BND, 5% VXUS. What is the best way to reshuffle the portfolio?...
View ArticlePersonal Finance (Not Investing) • Designated as HCE [highly compensated...
My employer is a big S&P 500 company, which I joined late last year.During 2024 open enrollment (in Nov of 2023) I chose the maximum amount of DCFSA contribution, $5,000 per family (my wife is...
View ArticlePersonal Finance (Not Investing) • Error in MoneyGuide w/ 529s?
I've been using MoneyGuide almost exclusively for a few years, but am starting to explore some other products for comparison. Today as I was digging deep into the Combined Details in MG and I noticed...
View ArticlePersonal Finance (Not Investing) • Caltech retirees - 2025 Aetna cost increases
I am a Caltech retiree and recently received the 2025 Caltech Retiree Enrollment Guide showing:- 3% increase in the DDC- 25% increase in my Aetna Medicare PPO plan. PPO because my doctor is with Optum...
View ArticlePersonal Finance (Not Investing) • tax treatment of payment for temporary...
I am in a situation similar to the one in a previous thread City wants "Temporary Limited Easement" from me, except in our case eminent domain is definitely threatened if we don't come to an agreement...
View ArticlePersonal Consumer Issues • iMac M3 or M4
I love my "Late 2015" 27" iMac (3.3 GHz Quad-Core Intel Core i5), which is the best computer I've ever owned. TurboTax has let it be known, however, that its 2024 won't run on the newest operating...
View ArticlePersonal Consumer Issues • 5 Day Trip To London
Planning a 5 day trip to London early in the New Year. It’s not a lot of time, so we’d like to really make it count. What do you folks recommend visiting? Is it worth taking a visit to the Stonehenge...
View ArticlePersonal Finance (Not Investing) • Chase Bank Hold Time on big Checks - up to...
I Deposited 3 checks (about 350K total) from a house closing into our Chase checking Account today. Two of the three checks were from key bank and the other was from M&T Bank. The teller and the...
View ArticlePersonal Consumer Issues • US Cell Phones in New Zealand
My 21 year old daughter is going to New Zealand on a working holiday visa next year. We live in the USA and have PureTalk cell service, which uses the AT&T network. I checked into the PureTalk...
View ArticlePersonal Investments • Which assets should I hold in my HSA (California).
The plan is to view the HSA as part of my overall retirement portfolio. That is: allow the HSA to grow tax deferred until age 65; then post 65 withdraw from the HSA tax free for retirement medical...
View ArticlePersonal Consumer Issues • Pre-built Gaming PC - Current Gen Intel or AMD?
We are looking at a new pre-built gaming PC. Debating between getting a really good deal on current gen gear or waiting until next year. There are or will be very good deals in the coming weeks on...
View ArticleNon-US Investing • FIRE advice for Australian (potentially retiring in Europe)
Hi guys!We are a couple, no children, 43 year old. We live in Perth. We are close to achieving the following financial position (over the next 4-5 yrs), in todays dollars:- PPOR fully paid off (3/2/3...
View ArticlePersonal Finance (Not Investing) • Is my child living beyond her means?
I had a conversation with my daughter, she said she's making over $200k a year (we live in a MCOL area). I exclaimed that's more than I ever made!She said, yeah, it's different now and I'm not sure...
View ArticlePersonal Investments • Individual or Joint Vanguard Account
I have an individual account at Vanguard with my wife as a beneficiary. I intend to open another brokerage account (to keep the monies separate because of different investing objectives and timelines)...
View ArticlePersonal Investments • Solo 401k Multiple Plans Issue (#001, #002)
Hello!I have had a solo 401k setup for my business for many years now. I have been filing the necessary Forms 5500EZ as required once the balance hit $250k. However I recently discovered this site and...
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