Personal Finance (Not Investing) • Fidelity CC Rewards
Purely out of curiosity, for those with the Fidelity credit card earning 2% cash back, what type of account(s) do you have your rewards deposited into? Brokerage, savings, 529, etc. ?Statistics:...
View ArticlePersonal Finance (Not Investing) • Calcuating real return with contribution...
Requesting a bit of math help. Let's say I want to calculate the future value of an investment, In Excel, I could use the FV function and getCode: FV (rate, number of period, payment, present...
View ArticlePersonal Finance (Not Investing) • Benefits for a Widow with Young Kids?...
My college roommate's husband just died, leaving behind her and three young children. I'm going to visit her soon, and she's asked that I help with paperwork/practicalities. I want to make sure we at...
View ArticlePersonal Finance (Not Investing) • Trust Name Question for Beneficiaries on...
I have a question about what name to use for my Trust when setting it as a primary or contingent beneficiary for my retirement accounts such as a 401k and IRA's. I apologize if the answer is obvious,...
View ArticleClik here to view.
Personal Consumer Issues • College Costs
Hello,looking for some reality check / guidance on college fees. First kid got into a college this year; good science college. Fees are approximately 40k/year after minimal federal scholarship. I was...
View ArticlePersonal Investments • planning for Alzheimer's
Hi--I am 70 and my husband is 82. They think he has early Alzheimer's and I am trying to plan how to pay for his care. I have enough money but I don't know how to go about getting information...
View ArticlePersonal Finance (Not Investing) • Please help me how to designate...
I am single, no kids, no pets, 46M.I plan to evenly distribute between Mother (82F), Brother A (58M, Married, has 1 adult female child), Brother B (61M, Married, no child).I have a Fidelity account...
View ArticlePersonal Consumer Issues • Oil change inflation etc.
I moved to rural Alaska in 2018, the land of not having to maintain a car. Left 2016 Hyundai Accent with adult son who has taken good care of since. Bought a 2022 Hyundai Kona in summer 2021. Pandemic...
View ArticlePersonal Finance (Not Investing) • Spinoff from 2fA discussion: cyber insurance?
I’m curious… a few years ago, I added cyber insurance for our small business. (Good lord, so many different insurance policies I literally couldn’t tell you how many! And I hate insurance). It’s not...
View ArticlePersonal Investments • Small cap value tilt with passive investing, vs....
I'm a 3-fund investor with Small cap value tilt (I do this with VSIAX in Vanguard, and FISVX in Fidelity in 401k brokeragelink). I have always been one, this is not about recent surge of SCV (followed...
View ArticlePersonal Finance (Not Investing) • Advice on Stretching Finances to Purchase...
Hello All!I live in a HCOL area and my primary residence is rough - very uncomfortable: 1 bathroom for family of 5, no central heating / air, no dishwasher, etc. But, a valuable lot. We're the poor...
View ArticlePersonal Finance (Not Investing) • Preparing to pay down principal at ARM...
I currently have a $1.7M mortgage on my California home. It was last refinanced in 2021 into a 5/1 ARM with a very low interest rate. However, in about two years in 2026 the rate would be reset and I...
View ArticlePersonal Finance (Not Investing) • FIRE - What is it really about?
What is FIRE really about? Is it about having enough money to walk away from work forever (RE), and never working again? Is it really about a number? Is it about having control over our financial...
View ArticlePersonal Finance (Not Investing) • Need urgent attorney recommendations to...
As the name suggests, I need urgent recommendations for any attorneys in California that can help spouse & I set up a living recovable trust to put the title of our house into. I'm aware that...
View ArticlePersonal Finance (Not Investing) • Implications of "consulting"...
Posting for my septuagenarian dad, who recently retired from his full-employment position in early July, has received his first pension payment, and will soon receive his first social security...
View ArticlePersonal Investments • Option to annuitize a policy if you have taken...
I withdrew on a policy on a withdrawal contract not knowing that the last payment would be the surrender amount. If i notify them that I do not want the last payment for the surrender amount, should i...
View ArticlePersonal Investments • mortgage [Can I take a loan from my retirement accounts?]
75, retired. buying new home. thinking I will save money, on closing costs as well as monthly mortgage payments, if I pay cash. I will use large amount of cash I have in brokerage account, but it is...
View ArticlePersonal Investments • How to get back backdoor Roth?
My wife and I each have rollover IRAs from prior employer 401ks. It’s my understanding that due to the prorata rule, you cannot do backdoor Roth IRAs with traditional IRA money. Can we roll...
View ArticlePersonal Consumer Issues • Toyota vs Hyundai
My BMW is slowly having issues again and its really a time to get either one of thoseToyotaPros- Gold standard of reliability- Better brand recognition than hyundai by a slight marginCons- Horrible...
View ArticlePersonal Finance (Not Investing) • Pay Off Car or Mortgage
Hi all. This is my first post and look forward to contributing. I have $11,000 in cash and would like to use the money to pay towards car or mortgage debt. I do not have credit card, student loan, or...
View Article