Personal Consumer Issues • Cord cutting for Internet service - recent...
I would appreciate information about recent experiences with cord cutting for Internet service.a) One way to cut the cord would be to get a top of the line cellular plan and use the cell phone as a...
View ArticlePersonal Finance (Not Investing) • When is this surviving spouse required to...
This is a follow up from some questions I had earlier in the year and I wish to make sure I have made the correct assumption before the end of the year 2024.Here is the link to the original...
View ArticlePersonal Investments • Do I need a financial planner?
Hi,I'm new here. I came across this forum while researching an "investment" product recommended by a financial planner--Brighthouse Shield Annuity (either 3 or 6 year). When the financial planner...
View ArticlePersonal Investments • Critique Our 2025 Investment Plan
Wife and I are trying to simplify our investment plan to promote efficiency and optimization and maximize contribution dollars. Our estimated combined gross income will be 150-155k. Our current...
View ArticlePersonal Investments • Fidelity Issues [how to get money out of closed account]
Hi, Fidelity closed my account on October 25th with active positions. Told me that they reserve the right and to call 16 business days later to withdraw funds. Now they’re asking for a signature of...
View ArticlePersonal Consumer Issues • Bargaining potential repairs from Private...
My GF is looking for a replacement van for hers that got totaled by a deer as I discussed in a previous thread.She found a 2011;Sienna LE with 139k miles. The seller has it listed for over a month and...
View ArticlePersonal Consumer Issues • Suggestions for a Mini Vacation Near Daytona Beach...
My spouse and I will be visiting family in the Daytona Beach area during the last two weeks of December. We’re planning a mini getaway from December 26 to December 30, while our child stays with the...
View ArticlePersonal Finance (Not Investing) • IBond co owner question
My wife has 3 IBonds from 2001 that are payable to her or her son.My step son does not have a TD account.When those bonds mature will TD send the proceeds to him if my wife requests that?If my wife...
View ArticleNon-US Investing • The best accumulating global equity ETF in 2024
Note that this is specifically for non US investors. For me there are three obvious candidates, and they are listed below in order of my preference. 1 . SPDR MSCI ACWI UCITS (SPYY)TER 0.12%. NAV 3.4...
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Non-US Investing • Roth Conversion as a UK resident
I moved back to UK after 38 years of living in the US. My two grown sons still live in the US and I’d incorrectly assumed that my IRA would only be taxable by the US if my sons inherited my IRA. This...
View ArticleNon-US Investing • 70yr old retirement portfolio composition
Hi all,I've created my own portfolio now (mid 40s) that I'm happy with, with advice from here and elsewhere. I'm now trying to advise my parents on theirs. They are 70yrs old, with no income except...
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Personal Investments • Pre-retirement planning
Hi there,I’m 52/M, married with 2 grown children. I’ve confused myself by reading too much about taxes and planning and so, I’m hoping someone can guide me here. Portfolio1.8M in 401k, I contribute...
View ArticleInvesting - Theory, News & General • Life expectancy & inflation risk
Don't know why I've never contemplated this but I've recently realized that inflation becomes much less of an issue for someone who only has a short time to live. Let's take two individuals, both with...
View ArticlePersonal Finance (Not Investing) • CD rate matching - how prevalent?
Wanted to share a recent experience about CD rate matching at credit unions and ask how commonly available this is at credit unions and banks. I was getting some CDs for my very elderly relative who...
View ArticlePersonal Finance (Not Investing) • Helping FIL with finances
Posting for advice....I'm going to attempt to help my FIL, with his consent and cooperation. He lives in Pennsylvania, aged mid-70s. He is single (longtime divorced), has filed for bankruptcy several...
View ArticlePersonal Consumer Issues • Refrigerator : ice dispenser
HelloOur old Samsung refrigerator is not working after 12 years, instead of replacing , we just plan to buy a new one I went through the old threads . It seems like people don’t recommend Samsung ,...
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Personal Finance (Not Investing) • How to determine amount of ROTH conversions
I am retired at 56 (for one year so far), and the next few years are going to be paid for out of my taxable ($800k) brokerage. I can adjust my capital gains because I have some assets that have done...
View ArticlePersonal Investments • Portfolio review - planning for 2nd citizenship
I'm an immigrant from the 3rd world working in tech. Been in the US over a decade with no pathway to get a green card & citizenship. I am forever grateful for the life changing opportunity that...
View ArticleInvesting - Theory, News & General • Basiccapital.com ? Margin in an IRA
Just saw a Facebook ad for www.basiccapital.comFees don’t look good ($25/month ?and 0.5% AUM) but I was wondering how they are offering margin in an IRA account? The premise seems to be you invest $7k...
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Personal Investments • Effect of income growth in retirement on decision to...
Despite having been a forum member for a while now, I'm looking for some guidance regarding income growth in retirement and how that affects the often-stated advice to delay SS until age 70.I'm in my...
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