Personal Finance (Not Investing) • Poor Bank of America customer service -...
I have Platinum Honors status and I've had a few issues with the card where transactions were declined and then my travel credits didn't post. When I have called the number on the card, I have to go...
View ArticlePersonal Consumer Issues • Best way to obtain cash from Vanguard for home...
We have contracted for a home, cash purchase. We will withdraw from Vanguard accounts. We can obtain funds from cash in MM or our 2025 RMD's, and funds can be wired to our local bank for eventual...
View ArticlePersonal Investments • LT Bond fund vs Intermed. for income purposes
As I hit retirement, I'm wanting to consolidate several accounts into Vanguard. I've got a long term California tax free fund at another brokerageAs I already have the Calif Intermediate fund at VG, I...
View ArticlePersonal Finance (Not Investing) • To Mortgage or Not To Mortgage
Hello Forum,Wife and I are planning to finally move out of our Condo and into a proper house. We own the Condo, est value ~$250k. Looking at houses in the range of $350-450k. Mortgage rates in our...
View ArticlePersonal Consumer Issues • LifePo4 battery power stations
I've been on the fence on whether I should invest $500-$1,000 on a LifePo4 battery. We have some medical devices in the house that need charging, a Resmed CPAP being primary. We already have the...
View ArticleInvesting - Theory, News & General • Rebalancing Daily or Annually?
Is there a preferred way to rebalance? I believe many BH’s rebalance, quarterly, annually, or based on a percentage change, though target date funds might rebalance daily. Assuming funds are in a tax...
View ArticlePersonal Consumer Issues • VA assistance for vets who are spousal caregivers?
Distant relatives, both elderly, both very sick. Husband, a veteran, takes care of wife who is extremely frail.Now husband has been hospitalized - prospects not good. But even if he makes it, it's...
View ArticlePersonal Investments • roth conversion question
My married niece and her husband would benefit financially by filing income tax this year as "married filing separately". Question 1: If they file taxes in this category, are they still each allowed...
View ArticlePersonal Investments • Spouse inherited 401k, confusion on...
My dad and grandmother passed away earlier this year and I'm in the process of helping my mom sort through and consolidate a mess of inherited accounts. We've made a lot of progress, but still have a...
View ArticlePersonal Investments • Liquidating trust distribution
I owned a closed end fund (old ticker: NID) that liquidated in 2023 and received most of money back and also received an interest in a liquidating trust. The liquidating trust is receiving a big...
View ArticlePersonal Investments • Replace VTEB with what?
I have funds set aside for a house down payment—when we will use that is really uncertain as we live in a VHCOL market and housing prices are extraordinary. Maybe this year, maybe five years from now,...
View ArticleInvesting - Theory, News & General • 70/30 vs 60/40, and rebalancing
My allocation is currently 55% US stock, 15% international stock, 30% bond. I am contemplating shifting to 50/10/40 as retirement is about 6 years away and we (wife and I) are getting pretty close to...
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Personal Investments • I think I have too much cash?
I spent 2024 focusing on T-Bills and VUSXX, and now I’m afraid I may be sitting on too much cash equivalents. Single, 54, LCOL, no debt or mortgage, probably 10 years from retirement. Annual income...
View ArticlePersonal Finance (Not Investing) • ACA Subsidy Payback
Thanks in advance to your responses. To keep this as short as possible. I do not have regular income. My income is a mix of LTCG selling stock, dividends, interest. My question is can the child tax...
View ArticlePersonal Finance (Not Investing) • RMD withholding question when transferring...
If I want to transfer shares from an IRA to a taxable account for my RMD but still want to withhold an amount for taxes, if I have cash sitting in the taxable account will it use that for withholding?...
View ArticlePersonal Investments • Account Consolidation Pro/Con
I'm considering consolidating my and my spouses accounts and could use some input. I have a Voya account with a 401k and small Roth 401K balance from a former job. I also have a TSP account which I am...
View ArticlePersonal Consumer Issues • Health Insurance Drug Copay
Hello everyone. I have a Bronze ACA plan with Blue Cross. My insurance card says “Rx Generic Copay 150/175, Rx Brand Copay $300/350, Rx Specialty Copay $500/$700. I went to pick up a steroid cream,...
View ArticlePersonal Finance (Not Investing) • Limit on ACH Pulls from Marcus
I know Marcus has $125,000 daily limit on online ACH pushes, but what about pulls. I have a large tax bill coming up and I'm wondering whether an EFTPS pull for over $125,000 will work.I will check...
View ArticlePersonal Investments • Selling shares to generate specified capital gain
I would like to sell X number (or X dollar amount) of fund shares in my brokerage to generate no more that $1000 in capital gains for 2024. I’m at Schwab, I’ll refrain from lamenting over what I...
View ArticlePersonal Finance (Not Investing) • When did you stop claiming kids on taxes?
As we go into a new year, I have a son finishing grad school in May and starting his career then (signed job offer). We were discussing that the 2024 taxes would be the last year I’d claim him as a...
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