Personal Investments • TIAA "guaranteed" annuity is not all...
McQ, what's unfair? TIAA says, "As long as we are a viable business and you are alive, we will pay you 0.56*D dollars every year, and will probably also pay you 0.44*D dollars too." Other companies...
View ArticlePersonal Finance (Not Investing) • Side Hustle Payment Options
You really should have a separate bank account for business income and expenses, even if it's just a simple sole prop Schedule C.Statistics: Posted by tj — Wed May 15, 2024 10:51 pm — Replies 18 —...
View ArticlePersonal Consumer Issues • sound bar for TV
I like rtings.com for av reviews. Pick a price point and features you are comfortable with and see which is best. Do you want a subwoofer? Surrounds? Atmos?https://www.rtings.com/soundbarStatistics:...
View ArticlePersonal Finance (Not Investing) • How am I doing so far?
lawyerCAD, welcome to the forum. The track on which we run can vary from person to person, and how smooth or potholed it will be is unknowable at this time.If you do some forecasting of your own, how...
View ArticlePersonal Consumer Issues • KT tape - decent alternatives (brands) to consider?
The tape helped me over the years to recover from various injuries. I bought knock offs on Amazon and they worked fine. Try smaller rolls of other brands of tape and see for yourself. I also found...
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Personal Finance (Not Investing) • For Early Retirees: What Worked &...
My wife and I have learned so much from the knowledge and experiences of others on this site. As we embark on retirement (in part because of the endorsement that we can from this site ), not knowing...
View ArticlePersonal Finance (Not Investing) • IRS Form 1116 Foreign Tax Credit
VWIGX: Vanguard International GrowthVWICX: Vanguard International CoreIEFA: iShares Core MSCI EAFE ETFIEMG: iShares Core MSCI Emerging Markets ETFEMLC: VanEck J.P. Morgan EM Local Currency Bond ETFThe...
View ArticlePersonal Investments • Automatic RMD Problems in Inherited Spousal IRA?
As soon as the surviving spouse submits documentation to establish an inherited IRA, they have full control over distributions, investments, beneficiaries, etc. from the inherited IRA, and from their...
View ArticlePersonal Consumer Issues • Credit Freezing
I've heard of others putting a freeze on their credit, presumably to assist in preventing credit fraud and ensuring a double check before new credit is issued?I recently tried to do that with my...
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Personal Finance (Not Investing) • New VISA “flexible payments card”
I am not sure, but it really sounds like they are trying to compete with Apple Pay. Who knows if it will work. Apple Pay already has a lot of traction and works well.It doesn't work so great on...
View ArticlePersonal Finance (Not Investing) • Selling old home: pay down new mortgage,...
I would suggest paying down the new mortgage to $750K, as that eliminates non-deductible interest. This gives you a risk-free 5.5% return, which is very good for a taxable account. In your 32% tax...
View ArticleInvesting - Theory, News & General • Y'all may be missing the point of TIPS
Instead of a SPIA the 80 year old could just draw down the $498K at the rate of $55K a year and survive at least 9 years; I realize that's not a lifetime, but one keeps control of their cash.$55k per...
View ArticlePersonal Investments • Tax-Advantaged Accounts in 30-40s
If 55/45 allows you to SWAN, both from a short and long term perspective, and you are reasonably close to following the Prioritizing investments and Tax-efficient fund placement suggestions, then you...
View ArticleInvesting - Theory, News & General • suze orman says you need a min of...
Would any of these disasters that could wipe you out be any different if you were still working but not retired? If you are in an assisted living facility, you arent working (you were probably just...
View ArticlePersonal Consumer Issues • My Choices of Dentist: one (too?) young, one...
I started going to my last dentist in 1974. Continued to go to him for the next 46 years until he retired in 2020.I was extremely loyal going to him as after a few moves by me he ended up being about...
View ArticlePersonal Investments • Maxing out 401k is not always the best way, according...
No, I don't have money in Roth 401k. According to the author, it is worse than the brokerage account.I think I'd be tossing the author's book in the trash.I had similar thought. Why would people write...
View ArticlePersonal Finance (Not Investing) • Filing a delinquent 5500ez for 2004?
What happens if you do nothing? An old plan that closed in 2007, that missed a filing in 2004…I don’t think the IRS is going to come and track you down about it.Statistics: Posted by Sprucebark — Thu...
View ArticlePersonal Finance (Not Investing) • Money market questions for Fidelity CMA
1) For my banking purposes, is it more streamlined to open a money market within the CMA than to open up a money market in a Fidelity brokerage outside the CMA?I just opened my own Fidelity account,...
View ArticlePersonal Consumer Issues • Medicare Referral Needed?
Shouldn't need a referral to see a specialist with a medigap plan. Only thing I ran into was when I needed a kidney stone blasted on I had to go see my cardiologist first to get the ok, but that's a...
View ArticleInvesting - Theory, News & General • Selling low yielding bond early
Am I missing something?I have one specific item and then just carrying that over to overall fixed income portfolio going forward.I have a 50,000 AAA corp bond yielding 3.125 that matures 11/25 with...
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