Personal Finance (Not Investing) • Bank of America private bank (mortgages,...
Anyone have direct experience with BOA's private bank, good or bad?I believe the minimum is $3m, but my understanding is that you can have that in a self-directed account. A friend was telling me that...
View ArticleInvesting - Theory, News & General • SCHD/VTV for Less Tech in Equitys
I am looking to cut the amount of tech companies that are in VOO/VTI. Would adding SCHD or VTV or both be good choices for my equity side along with VOO/VTI? I am in retirement and am more interested...
View ArticlePersonal Investments • Roth IRA or leave it in Taxable? A Wonky Thought...
I'm trying to decide a simple (not really) question. Whether or not to invest in a Roth IRA. The devil is in the details, so let me set it up. It's more than an academic question for me, but I'm going...
View ArticlePersonal Investments • Help me consolidate some accounts
I have several retirement accounts that I'd like to consolidate, including the following:Current 401k: at employer through T. Rowe Price. This account has a mix of pretax contributions and Roth 401k...
View ArticlePersonal Finance (Not Investing) • Custodial bank account for kids
I am trying to deposit a check made to my child. It's a reimbursement of medical expense. The medical expense was paid in full by me and now is being reimbursed. But they made the check to the...
View ArticlePersonal Finance (Not Investing) • How to get Umbrella insurance without a...
Let's say I would like to get umbrella insurance coverage for $3 million as a resident of Florida. I do not own a car. I do not own a property in FL, but I housesit there. I rarely drive, and rarely...
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Personal Investments • Rebalance threshold
Hey All,I use the spreadsheet that Rob Berger references in this article:https://robberger.com/investment-tracking-spreadsheet/I'm wondering what a reasonable rebalance threshold would be for each...
View ArticlePersonal Finance (Not Investing) • E verify SSN lock
https://www.e-verify.gov/employees/empl ... /self-lockHas anybody done this? Is it worth doing? It locks your SSN so e verify doesn’t work keeps someone else from working under your SSN. Is this a...
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Personal Consumer Issues • Guided Hiking Tours--Looking for Website/Ideas
Hello BH Nation--Getting into hiking after doing Mount Washington (retired 55 year old male) and wanted to get recommendations of blogs/places to look to find guided trip (my sense of direction is...
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Personal Investments • Best money market fund strategy in high state tax...
I've been reading up (years overdue, it seems ) on reasonable places to park cash.I decided to move my cash out of HYSAs into money market funds. I stumbled across this very useful...
View ArticlePersonal Finance (Not Investing) • Moving an ETF between brokerage accounts
My wife and I have a revocable trust. We also have two brokerage accounts at Fidelity. Both accounts are identically registered in the name of the trust. I use one account for the assets I manage; my...
View ArticlePersonal Consumer Issues • naming beneficiariy at Vanguard
Hi folks..my wife and I were co-owners of several mutual funds at Vanguard...they would not allow the naming of contingent beneficiaries on a jointly held account...this was concerning in the unlikely...
View ArticlePersonal Investments • ACA health insurance coverage - gap
If employment ends June 2025 and income is too high to qualify for ACA Premium Tax Credits for remainder of 2025, do you just wait and enroll in ACA in November to start coverage Jan 1, 2026? How does...
View ArticlePersonal Investments • my proposed asset allocation - advice?
I'm 65.8 retired on permanent disability of US$55K/year. (After I get some inheritance, and after setting aside funds to allow me to freeze Social Security for 3.4 years from my Full Retirement Age...
View ArticlePersonal Finance (Not Investing) • Banks/brokerages "selling"...
We have BoA for preferred rewards and the joint checking account that comes along with it. The other day a rep from a local BoA branch called my spouse out of the blue. Obviously a sales call. I know...
View ArticlePersonal Finance (Not Investing) • my son became 18 (Roth IRA for Minor and...
My son became finally 18 years old and moved out (yeah!!!!!!) He is working as a student intern job. So far he has two accounts 1. UTMA (Custodian account) - 6K 2. Roth IRA for Minor - 18K (thanks for...
View ArticlePersonal Finance (Not Investing) • Medigap and Medicare Advantage in Minnesota
Hey all. Minnesota has their own versions of the various standard medigap plans. I've read about them online and have some understanding of their costs and benefits and all that but am curious about...
View ArticlePersonal Finance (Not Investing) • 5 years of trad IRA earnings to backdoor...
Thank you for considering - I know this is a well worn topic but would really appreciate input. I stopped doing a backdoor roth a few years ago and have done a traditional IRA though I'm now...
View ArticlePersonal Investments • Should all growth funds be in Roth?
I love this forum.My wife and myself currently have only 2 funds each: 58% growth (FSKAX) and 42% income (FXNAX), both funds in both ROTHs and traditional IRAs. Question: Should I transfer to have all...
View ArticlePersonal Consumer Issues • Google Chrome Problem
My Google Chrome "locks up" for short periods of time then continues. I thought it was a computer and/or WiFi problem, but I switched to Microsoft Edge and that works fine. Comcast verified that my...
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