Personal Investments • FDIC coverage within SIPC account
I have a question that I know has a simple answer; however, I can't find it. Are FDIC-insured CDs held within brokerage accounts (Vanguard & Fidelity) insured in addition to the 500K SIPC limit...
View ArticlePersonal Consumer Issues • Cilajet ceramic coating for new vehicles
Recently, I purchased a new vehicle. The dealer attempted to automatically add Cilajet ceramic coating to the invoice. I declined given the excessive price of $1,500.00. Anyone else have this...
View ArticlePersonal Investments • Optimal Method to move to three fund in IRA
I have an IRA, which represents a little under 1/3 of my total net worth spread across many ETFs. For simplicity's sake I will move into three funds as noted in Guide to Three Fund Portfolio.I have...
View ArticlePersonal Finance (Not Investing) • Home renovation - financial sourcing question
We are planning to stay in our home to grow our young family, anticipating to keep us here another 15+ years. We would like to build an addition off our back area creating a 200-250sq foot sunroom....
View ArticlePersonal Investments • Tax Efficiency of AVUV vs. Emerging Markets vs. Total...
Hi,Having some confusion about tax efficiency. Per Chat GPT, if one is in highest income tax bracket total international would be preferred in taxable account, followed by AVUV and then...
View ArticlePersonal Consumer Issues • Shokz Openrun Pro vs OpenFit Air
Hi everyone. I have Shokz Openrun Pro and love them and of course lost them. I'm looking for headphones 90% for exercise, mostly running and less hiking, and 10% for phone calls. I was very happy with...
View ArticlePersonal Consumer Issues • Exercise programs for longevity
The best investment is in one's health.I've been doing CrossFit for the past 20 years, but not sure if it's best for my health at 40+ years old.Can you recommend exercise programs for...
View ArticlePersonal Finance (Not Investing) • Can anyone explain what this guy was...
I went to a "financial pitch in exchange for a steak dinner" thing on Tuesday. Theme of the night was something about "security in retirement" and started off with a good thing or two about "sequence...
View ArticlePersonal Finance (Not Investing) • Pay off Credit Card Statement Balance or...
We recently put a large amount on our credit card for home repairs. If I just pay off the statement balance I can at least use the "float" with funds in TTTXX for another month for the next statement...
View ArticlePersonal Investments • Can I sell a bond to myself?
I have an inherited IRA (non-spousal) that has a thinly traded bond that matures in 2033. I am required to liquidate the inherited IRA before then. Therefore I will have to sell the bond or transfer...
View ArticlePersonal Finance (Not Investing) • Timing of Yearly FAFSA Update
As I understand it, you can fill out the FAFSA every year, not just the year before your student starts college. Are there any timing issues I should be aware of? My child is at an out-of-state...
View ArticlePersonal Finance (Not Investing) • SEP IRA contribution limits, negative...
Hello, I am helping my mother manage her SEP IRA. I unsure about contribution limits and am hoping someone here could offer me some guidance.She is a real estate agent in NY (I believe she is...
View ArticlePersonal Investments • Equitable rips off their customers
I am helping my mother managed her SEP IRA. She has an account with Equitable. After doing some digging, I found that they charge a 1.5% commission to buy ETFs or stocks, and the advisor had...
View ArticlePersonal Finance (Not Investing) • Elder abuse
What kind of attorney would be appropriate to hire if you think you have a relative who may be a victim of financial elder abuse?We will become financially responsible if this relative runs out of...
View ArticleInvesting - Theory, News & General • “If you can afford to lose it, then...
This is the advice proffered by a successful entrepreneur business owner. What does it mean exactly? I can understand the opposite -- if you can’t afford to lose something, then don’t invest it (in...
View ArticlePersonal Investments • Raspberry's adventures modeling Roth conversion in New...
I bought a subscription to New Retirement because of its much touted Roth conversion tool. I thought I'd share my tribulations as I work with it, both to get advice and feedback, but also to get...
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Personal Finance (Not Investing) • Bitcoin State (Missouri) Income Tax
While federal income tax on Bitcoin sale is straightforward, I can not find a definitive information on its taxation in Missouri.I pretended to amend my last year return and according to the tax...
View ArticlePersonal Investments • Emergency fund in retirement - yay or nay?
Read a few threads here on this and still not sure if I should or shouldn't have an emergency fund now that I am retired. The argument to have an emergency fund is that you have risk free capital...
View ArticlePersonal Investments • Re-Balancing when using Bonds (vs Bond Funds)
For folks who hold and re-roll individual bonds (let’s assume treasuries, either nominal or tips), do you sell those before maturity to rebalance if your AA re-balancing band is tripped by a plunge in...
View ArticlePersonal Consumer Issues • Capacity sensor for buried propane tank
Next month we're having a 500 gal LP tank buried in the yard to serve a new whole-house generator. The installer, who doesn't provide propane but rather only installs tanks, tells me the gauge will be...
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