Personal Finance (Not Investing) • Which assets to withdraw from?
Howdy gang,Forgive the simpleton nature of this question, but I could use a reality check.Situation: I have three primary assets, besides my house which doesn't really figure into this.Asset 1 is a...
View ArticlePersonal Finance (Not Investing) • IMRA and form SS-44 for [IRMAA]
I'll be retiring at the end of 2024. For the past few years, my income (mostly salary) has been above the limit that would push me into needing to pay IRMA for Medicare based on tax returns from 2023....
View ArticlePersonal Investments • Portfolio review - thank you
I would love your thoughts on my portfolio and the associated questions below. I tried to keep this brief/simplified. As always, thank you.I did post before last year and appreciate all the comments....
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Personal Investments • Frozen-ish SIMPLE IRA with FSKAX questions
My work currently offers a SIMPLE IRA plan, managed through Northwestern Mutual, but the funds are with Fidelity.When they originally gave me the sign up papers, the word "Index" and "FSKAX" was...
View ArticlePersonal Consumer Issues • Suing Meta (Facebook) to get DW's hacked account...
Some background: My DW's Facebook account was hacked and the hacker managed to get her account banned. Facebook does not offer human support to recover banned accounts. This is a well covered news...
View ArticlePersonal Finance (Not Investing) • Has the American Dental industry priced...
It may be that I am an older gent and many times feel alarmed at what I perceive as to be a really high rate of inflation in some areas of the service economy. My # 30 molar crown fell out and I...
View ArticlePersonal Consumer Issues • SKYLIGHT FRAME for photos - Security?
We were just given a Skylight Frame for digital photos of family, loaded with some current photos and some special photos from the past. They can send us additional photos over the internetIs this...
View ArticlePersonal Investments • 457(b) roll over?
I’m retired with a governmental 457(b) at Empower. I want to roll it over to Vangaurd. However, I also have a non-deductible IRA at Vanguard. (Have been filing 8606 forms throughout so I know the...
View ArticlePersonal Investments • Does this make sense?
So I just started investing in Roth IRA at Schwab jumping in with a whopping $100, the portfolio builder and suggestions that I picked are SWPPX 45% SWSSX 15% SWISX 20% SWAGX 15% I also put $5 in...
View ArticlePersonal Consumer Issues • Braces price -can you negotiate ?
Not asking for medical advice But can you negotiate for price of braces or take another opinion for a different quote Parents whose kids have/had braces ( which probably is a high percentage ) : did...
View ArticlePersonal Finance (Not Investing) • College Scholarship and Kiddie Tax
My daughter received a full scholarship to college. $20k of this will be for room, board, travel and other expenses. So the IRS will consider this unearned income. According to the IRS, she is subject...
View ArticlePersonal Consumer Issues • Determining replacement cost for house (Insurance)
I'm shopping insurance right now and noticed a difference between my current insurance companies replacement cost ($1M) and what another company was proposing ($600K). Both of them supposedly use an...
View ArticlePersonal Investments • Qualified Tuition Plans
I'm thinking about opening a college savings account (529). I figure with investing, the earlier the better. I'm sort of struggling how to think about the approach here. I don't think a 529 requires...
View ArticlePersonal Finance (Not Investing) • Quitting job - advice needed
I've been pretty burnt out for a few years, and am considering quitting my job without a new one lined up. I don't feel like I have a particularly good sense of perspective on whether or not this...
View ArticlePersonal Finance (Not Investing) • HELOC impact on house sell
For those with prior experience, if you have a HELOC with Third Federal and no outstanding balance, how does this impact the sale of your home? The HELOC was opened three years ago, but a job...
View ArticlePersonal Finance (Not Investing) • HSA contributions for spouse or myself...
My spouse is starting a new job and will be able to contribute to an HSA. I currently contribute the max amount allowed ($8300) into my HSA.Either of us could contribute and reduce our social security...
View ArticlePersonal Investments • Can I gift a portion of a mutual fund to a child?
Fellow BHs, my wife and I are considering gifting our children (ages 19 and 21) money, as we're firm believers in helping our kids earlier rather than later (like many of us here). I have an...
View ArticlePersonal Investments • Bond Funds with finer duration increments?
Vanguard (and others) have funds that invest in short/intermediate/long term Bonds – either focusing on Treasuries, general bonds, or other types of bonds. Vanguard’s Treasury funds are short (2 years...
View ArticlePersonal Investments • Charitable giving from Inherited IRA Trusts
Hello all. My single mom recently passed after a 5-week bout of pancreatic cancer at age 75. Suffice to say i it all happened very quickly, however, she was able to do her estate planning a week...
View ArticlePersonal Investments • Portfolio Review in Mid Career
Emergency funds:4 monthsDebt: Mortgage: $619,160 Rate: 3.37500%Line of Credit: $143,844 Rate: Secured Overnight Financing Rate (Current ~5.33%) Tax Filing Status: SingleTax Rate: 35% Federal4.75%...
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