Personal Finance (Not Investing) • Fidelity as a one stop shop
You can just ask Fidelity to send you a box of checks, they will. Or you can order checks from a 3rd party if you want to pay for them to get a cute logo or something.For some reason I thought they...
View ArticleInvesting - Theory, News & General • Do cap-weighted funds strictly align...
Okay. It's picked for you. That doesn't answer my question. Or. . . in fact, it does.There is no picking at all. For the total stock market you own all the shares. You haven't picked any of them. You...
View ArticlePersonal Finance (Not Investing) • What got you out of poverty?
I'm not sure if I was considered living in poverty, but my parents made around $50k combined with 6 kids in the 90s. My parents definitely had EBT and we got reduced or free lunch prices. We drank...
View ArticlePersonal Consumer Issues • Suggestions for best recordng device for college...
Thank you for the suggestions. We are in a one party state, but I agree he should ask his professor's permission to record the lectures. I just wish more professors recorded and posted their lectures...
View ArticlePersonal Finance (Not Investing) • TIAA 2/3 option versus 50%/75% survivor
TIAA CREF has the typical joint survivor option whereby I can assign 50% or 75% of my payment to me survivor (spouse). TIAA also has another option whereby upon the death or me OR my wife, the payment...
View ArticlePersonal Finance (Not Investing) • NY State tax treatment of Accrued Market...
In the North Carolina case that artsdoctor shared, Fidelity argues that AMD is tax-exempt because it is "interest" under federal law. North Carolina court didn't agree and case turned on their own...
View ArticleInvesting - Theory, News & General • AlphaArchitect launches BOXX: 1-3...
I got curious with all the talk about box spread yield vs t-bills that I've added it to boxtrades.com. You should be able to see a 1-day old view of actual box spread trades vs secondary t-bill trades...
View ArticlePersonal Investments • Are In-State Tax Exempt Money Markets worth it?
I know that is a real possibility in PA as local income taxes are often almost as high on a marginal basis as the State Income Tax.I believe this is incorrect and you are confusing local WAGE taxes...
View ArticlePersonal Consumer Issues • Anyone former RV'ers happy with Tesla Camping?
We have a class B RV we semi-fulltimed in for a few years. We bought a new home and it's staying parked a lot more. We are thinking of selling it and putting the money towards a new car. We have heard...
View ArticlePersonal Finance (Not Investing) • Closing Individual 401k - file two 5500 EZ...
I'm planning to close my Fidelity individual 401k this week. Do I need to file two 5500 EZ forms this year? I'm thinking I need one for Jan. 1 - Dec. 31, 2023 and another for Jan. 1 - this week's...
View ArticlePersonal Finance (Not Investing) • Medicare: 64 Year Old Eyeing 2025 Medicare
Traditional Medicare with supplemental plan g hi deductible. In our county, it’s impossible to pay more using the hi deductible plan. As others have said, by law, all providers of plan g hi deductible...
View ArticlePersonal Finance (Not Investing) • Does Vanguard Have a Money Market Account...
Vanguard has deficiencies in this space and seems unable or uninterested. You'd be better off elsewhere if you wish to simplify. Look at Fidelity's offering. It checks a lot of boxes, and there's...
View ArticlePersonal Consumer Issues • Want to leave timeshare.
All of this is why I never feel bad attending the 90-minute presentations, saying no (repeatedly), and taking their gifts.Statistics: Posted by MDfan — Thu Feb 29, 2024 4:54 pm — Replies 64 — Views 4665
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
4.5% seems crazy! So since it requires a referral you can sign up for self-directed IRA & brokerage account, refer spouse/friend/etc, ACAT in from other IRA, have spouse/friend/etc ACAT in, and...
View ArticlePersonal Investments • portfolio review, ~5 years from retirement
Following up five years later on my previous portfolio review when I was ~10 years out from retirement:viewtopic.php?t=286123My main questions have to do with how to increase my bond allocation given...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
I cancelled Sling TV that was costing $42/month and ordered a refurbished cable modem/wifi router for $50 so I won't have to rent one from Xfinity at $15/month. I'll still be streaming with...
View ArticlePersonal Investments • Do dividend reinsvestments mess up TLH?
You can't buy/sell the same or a substantially identical fund +/-31 days if you sold in taxable for a loss.This statement is not quite true as has been discussed and shown to be false at...
View ArticlePersonal Consumer Issues • Energy efficient skylights for bathroom that...
There are both skylight tax credits and solar equipment tax credits. The solar hardware credits arent limited like skylights are. If you are interested in a power shade, if you get a solar powered...
View ArticleInvesting - Theory, News & General • Retirees: at what age...?
Having lived frugally my whole life, first out of necessity then out of habit, I now find it difficult to spend money on anything I don't need, even though I easily could and probably should.Everybody...
View ArticlePersonal Finance (Not Investing) • Roth conversion during retirement question
Where in the 22% tax rate do your parents fall right now? 22% covers taxable income $94,300 to $201,050 for 2024. Roth conversions up to the top of the 22% bracket are a "no-brainer" decision.I'll...
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