Personal Finance (Not Investing) • problems with "post-dated" checks?
To be useful, a bank’s OCR needs to be 99.9%+ accurate. They can reach that with printed numbers and much higher with the preprinted account and routing numbers.Not really. If numeral and text amount...
View ArticlePersonal Consumer Issues • T5 engineering school or in-state T35 with full-ride?
One other thought - I hate looking at these choices solely from a ROI standpoint. Which school is a better fit for DD? My son who went into Computer Science was not a great student in high school. I...
View ArticlePersonal Finance (Not Investing) • Can you give stock to younger kid who has...
Watch out for the Kiddie Taxhttps://www.irs.gov/taxtopics/tc553They may owe more taxes than you expect when they sell.Say she has $450 in earned income from my company.Then I open a trading account in...
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Personal Finance (Not Investing) • TurboTax 2023 offer
I bought H+R Block Deluxe tax software yesterday for $20 Federal, $25 state included, free Federal e-file (on Amazon).I am amused every year by all the millionaires on this site trying so hard to save...
View ArticlePersonal Investments • Bond Fund and Fed Interest Rate
Here are 2 charts of US Bond fund FXNAX and Fed interest rates from Dec 2018 to Dec 2023https://imgur.com/a/zuR9d3Zfrom the charts you can see 1 - The bond fund peaked when Fed rate dropped near 02 -...
View ArticlePersonal Finance (Not Investing) • How to predict if my MAGI will be too high...
You're only missing out on whatever tax treatment your contributions would eventually end up getting, but absolutely not the growth itself, unless you're saving future contribution money in a...
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Personal Investments • Uninterested Spouse
when i first read this title I thought, "ooh man, we can't give marital advice" now that I see she's only "uninterested" in the finances consider yourself lucky. Know what I mean? nudge nudge. wink...
View ArticleInvesting - Theory, News & General • Roth conversions in early retirement
I would have done what DebiT did because I wouldn't have expected to get support for a question like "another app gives a different answer than yours; why?" - at least not unless I already knew which...
View ArticlePersonal Investments • Roth 403B
Regardless if your 403b plan does or doesn’t allow Roth contributions you still may be able to contribute to a Roth IRA (based on income). And if your income is such that you can’t, you could consider...
View ArticlePersonal Consumer Issues • Car Prices Flat Since 1996?
I have a 1987 Chrysler K-car New Yorker, like the one in the link below. No squeaks or rattles. It keeps up with today's traffic, too. I have driven many modern cars, and I have to say that none of...
View ArticleInvesting - Theory, News & General • Has your portfolio recovered since...
About 90% equities : 10% bonds. Just about the same (all time max) but during these 2 years have contributed about 6% of the current total.Statistics: Posted by Xrayman69 — Sun Dec 03, 2023 9:32 pm —...
View ArticlePersonal Investments • Please help with Bond Fund Question
The biggest reason to value duration is it is the easiest way to measure the risk of losing a portion of your principle. A duration of 5 means a 1% rise in the interest rate will result in a 5% loss...
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Personal Finance (Not Investing) • H&R Block 2023 software offer
NewEgg currently has a H&R Block Deluxe + State + $20 egift card for $37.99. If any of the retailers below have value to you, then that nets $17.99 for Deluxe + State. That is an excellent deal,...
View ArticlePersonal Investments • Investment priority for new grad
Writing this for my sister in law. She recently finished grad school and has her first real job. She’s making 65k. She’s balancing a moderately high cost of living plus mandatory pension contributions...
View ArticlePersonal Consumer Issues • We want a new hot tub / spa — in ground?
We've had our outdoor electric, stand-alone hot tub for nearly 15 years. We live in Nashville, and typically only use it Oct-March. I drain it each year and fill it back up when it the seasons change;...
View ArticlePersonal Finance (Not Investing) • 2024 Income Planning & 2026 IRMAA...
A little bit of topic but, if this is my last year of working it doesn't matter if I go slightly above an IRMAA cliff because I can tell SSA that I quit working and my current income is lower. Is that...
View ArticlePersonal Finance (Not Investing) • Anxious for retirement
I negotiated with my employer to work 2/5 time for 2/5 pay. Then I went back to school MWF for four years and got a degree in a field I was really interested in, and worked hard at school, and did my...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
Spent more than an hour searching for the cheapest flight by juggling 4 different frequent flyer miles programs. In the end, none worked out and ended up booking without miles.Statistics: Posted by...
View ArticlePersonal Consumer Issues • How to fix a scratch on a car door
A local auto store might have a color match if it is a popular brand/color., if not they can order it. Or go to the dealership. You can find the correct color match number inside your drivers car...
View ArticlePersonal Consumer Issues • House with three HVAC Systems
Thanks all. That confirms my hunch of not trying to do tuneups except changing filters and cleaning around. For those on one system, I can vouch for the increase in comfort level. No hot cold...
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