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Personal Investments • Transfer Funds

If there’s any holdup, I would guess it would come from Merrill. Although if you hold something odd in the IRA, that could cause issues too.Looks like the holdup came from vanguard which doesn't...

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Personal Finance (Not Investing) • Any MD pursued a CFA? Thoughts?

Currently working on level three test passed level one and two. I did it because I enjoy finance and I like portfolio management. The test was awkward when I took first few levels couple years ago, I...

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Personal Finance (Not Investing) • US Treasury "gains"

Maryland taxes capital gains as regular income. Wow, that sucks!Most states do.I left CA for WA 6 years ago, so I sometimes forget.WA has no state income tax, and the capital gains tax only applies to...

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Personal Finance (Not Investing) • Relatively new medigap provider...

Never heard of them. Are you in a state where it requires underwriting and you could be stuck with this decision ? If not, take the cheap plan. If so, maybe go for a known good player in the Medigap...

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Personal Consumer Issues • Plan my retirement travel for me!

Generalized advice from people who only vacation in Europe.Less famous places. Bologna, not Firenze. Lyon, not Paris. Valencia, not Barcelona. Den Haag, not Amsterdam.Avoid tourist season. This means...

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Personal Investments • Retirement / Portfolio review/feedback

Retirement budget: FLEX <--- $36k/yr (lower limit) --- $40,000/yr (desired) --- $45k/yr (upper limit) --->In the US people do live of that but that is a pretty frugal budget especially if you do...

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Personal Investments • Saved 300k, No debt, No house. How should i best...

Warren Buffett has advocated this portfolio, 90% S&P500 index (which is what VOO is) and 10% short term treasuries (which is basically cash, and VMFXX is a cash equivalent).The cash serves as a...

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Personal Finance (Not Investing) • Delaying Social Security is getting less...

How were you able to make that calculation with what is posted here so far?By knowing the amount involved in anyone's social security income, in the context of the amounts we talk about here -...

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Personal Finance (Not Investing) • Fidelity free Turbotax 2023

I have never been offered free Turbo Tax. It's humiliating. I have to buy it like the rest of the common folks. Years of therapy have lessened the hard feelings, but it just ain't right. I'm a...

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Personal Finance (Not Investing) • What income threshold do you keep yourself...

I will definitely stay under the lowest IRMAA level, and almost every year stay within the 12% tax bracket (15% after 2025).I wouldn't worry about IRMAA at age 55.Statistics: Posted by tibbitts — Sat...

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Personal Consumer Issues • Good decisions that paid off for you 60, 70, 80, 90+

Reading, a lot.About everything.Statistics: Posted by PottedPlant — Sat Dec 09, 2023 10:39 pm — Replies 26 — Views 3000

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Personal Finance (Not Investing) • Why is the insurance rising within a few...

As an aside, ~$1500 for liability insurance for 6 months for a base 2019 Corolla is insane.Statistics: Posted by sk.dolcevita — Sat Dec 09, 2023 10:40 pm — Replies 2 — Views 471

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Personal Consumer Issues • Migrating files to a new computer by cable

Connect them both to your WiFi, share a folder, copy across networkStatistics: Posted by the_wiki — Sat Dec 09, 2023 10:40 pm — Replies 13 — Views 1250

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Personal Consumer Issues • Wine - Alcohol-free suggestions?

Welch’s grape juice? Comes in both white and red. $4 a jug. Second Welch’s; but unfermented you will need to cap and refer it. And even without the alchohol it can cause you to crash your car. I...

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Personal Investments • No Total Market Fund in 401K, How do I construct one ?

+1. You 401k: Use Vanguard's S&P500 index fund option.Wife's 401k: Tell her to use Fidelity's S&P500 index fund option.Why? For reasons stated above. Also, Warren Buffett used S&P500 index...

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Personal Finance (Not Investing) • So now you're dead -- how does your...

Here's what I remind my wife yearly....if I am not around there are only 2 things to remember....mint.com and lastpass.I use mint.com extensively …Isn’t Intuit shutting down Mint as of 1/1/24?The...

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Personal Investments • How to convince parents of the dangers of financial...

My dad and I have been in a bit of a frustrating situation. One of their IRA accounts with about 500K of value in it currently has been under active management with a 1% management fee and average...

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Personal Consumer Issues • New TV QLED vs. OLED

Which ones do you have? Will not be using TV internal speakers. But good eARC on TV is important. It's really between the QN90C, S90C and G3. The C3 looked dim to me compared to the others, and S95C...

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Personal Investments • If I sell VIIIX and VTI before dividends are...

There is no gaming the dividend payments. The only difference is due to taxation.But you could game the capital gains distributions, no?Specifically, it appears that Vanguard’s municipal money market...

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Personal Finance (Not Investing) • health insurance for child aging out of...

For some context, I'm wondering what is the cost of simply purchasing basic health insurance for a 27 year old in what I presume is good health. Say, a BC/BS plan. And also for a high deductible, say,...

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