Personal Finance (Not Investing) • LTC Insurance vs. Buy into Independent...
What happens if you don't like the place, and want to move to a different one, or need/want to move to a different city to be near a family member?A person needs to check the contract for refunds and...
View ArticleInvesting - Theory, News & General • Vanguard Client Level at $25 million
I cannot see why one would move to follow an adviser. All the adviser does is represent the firm. Our Vanguard rep is perfectly nice but I would not consider switching firms if they were to leave.I...
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Personal Investments • Now is a right time to open Fidelity account? Or...
It seems the OP has made a couple of recent posts on this topic already. From those I gather they have already talked to Fidelity and since they are brining less than 1 mil over Fidelity told the...
View ArticlePersonal Investments • VOO equivalent of Fidelity ETF?
You can buy VOO at fidelity.+1Thanks. I know it's zero cost to buy VOO at fidelity. Two questions: 1. Any additional costs when have VOO at fidelity vs. Vanguard? 2. If I buy VOO at fidelity, any...
View ArticlePersonal Investments • 26 y.o. looking for advice
Interesting conversation for someone starting out on their journey. Personally, I wish I knew more when I was younger. All I was told was max out your tax deferred 401K and get the company match. I am...
View ArticlePersonal Consumer Issues • Medigap Plan F question
In another thread it was pointed out that the surviving pool for F is getting older faster than the pool for G, so F prices might climb faster as a result of that.There were many threads discussing...
View ArticlePersonal Investments • Back Door Roth with Rollover / After Tax $ in 401K
So in evaluating my 401k, I do have another chunk of funds that are "After-Tax" where all but $500 are truly after-tax, whereas the other $500 is considered earnings and not yet taxed. I can do an...
View ArticlePersonal Finance (Not Investing) • Advice for choosing second career
I read your other thread that said you had only been working in your current job of IT security x 4 years and were bored with work.There are worse things in life than a boring, easy job with a stable...
View ArticlePersonal Consumer Issues • Best Ways to extend Life of Car
hello folks,I recently had my 2016 Sonata Plug-In Hybrid Limited's engine replaced at 97K mileage due to an engine oil consumption issue. I am planning to keep the car until it dies and keep it...
View ArticlePersonal Finance (Not Investing) • How does TIAA annuity work?
Harmanic, just to note for other readers: There is a footnote assuming that both of the two-annuitant illustration are assumed to be 67 years old. That directly affects the cost of a 10-year...
View ArticlePersonal Finance (Not Investing) • Mom diagnosed with PD, wondering about...
Consult with an elder care and Medicaid attorney in their state of residence. Follow advice carefully unless family is able to fund her care through private pay. Medicaid is a state run program and...
View ArticlePersonal Finance (Not Investing) • Living Trust: Fund Exclusion
We intend to place our Vanguard taxable brokerage account in our living trust. The account, containing several mutual funds, has a number but individual mutual funds do not. We would like to exclude...
View ArticlePersonal Investments • 1.75% Checking vs. 3% Money Market at regional bank
Neither. Vanguard Federal Money Market is paying 5.28%. These rates are not that great. The only account I keep with rate paying less than Vanguard going rates is a chequing account with Wells, and...
View ArticlePersonal Investments • Planning for the next two years
Today I’d use a MMF. A few years ago I went with short term bonds, and it did not work out so well.Statistics: Posted by angelescrest — Fri Jul 19, 2024 12:19 pm — Replies 15 — Views 2417
View ArticlePersonal Investments • Pay off mortgage to free up room for a Roth conversion?
Inherited (taxable) IRA 600K which must be depleted by 2034This is a massive factor. Had the deceased reached RMD age before passing? The IRS just in the past day or so released the finalized rules...
View ArticlePersonal Investments • Cash at Fidelity
btw fsixx is available at Merrill Edge, but I read here a while ago that they'll block the transfer. Might be worth trying again for those with an account there in case something has changed. fsixx is...
View ArticlePersonal Investments • Quick check of my retirement funds
I'm hitting the big five-oh soon and doing a sanity check of our retirement funds. We're heavily weighted to stocks especially S&P 500. It's served us well thus far but possibly now we should...
View ArticlePersonal Investments • Investment options for a 1099 taxed as S Corp using a...
For someone in a SSTB, do capital gains "count" for the household income threshold? If it does, and you have a large amount of investments, wondering if it would make sense to have a bias to...
View ArticlePersonal Finance (Not Investing) • simple plan for living off investments in...
The details of a simple investment portfolio/plan shouldn’t make a persons head swim.Is it possible that the potential problem you’re describing isn’t your wife, but rather the complexity of your...
View ArticleInvesting - Theory, News & General • Variable Percentage Withdrawal (VPW)
Thank you for the detailed response! That was very helpful, particularly the reminder that Social Security and 401(k) deductions, since going to future payments, can/should be ignored for this...
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