Personal Consumer Issues • Organically giving money to nice people -...
I used to, for fun, hand out flowers and hugs in common public areas to random people. Most of the time it was all well received, and as long as everyone was respectful it was fine. Some people would...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
If a business cannot maintain Trillions of dollars under management, Vanguard is leaving it. Actually they have already left most of them: 403b, Annuities, now solo 401k, etc.If it is not a large...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
I've been using my Fidelity brokerage account as my checking account for around two months now. It is working well and I'm going to shutdown my Chase account at the end of the month. The best feature...
View ArticlePersonal Finance (Not Investing) • Retiring Next Year; How Much to Roth Convert?
Why not delay your spouse SocSec and use that time to do more Roth conversion?KlangFoolOpenSocialSecurity confirmed it as the best strategy for us.That is true in isolation, and it makes average...
View ArticleNon-US Investing • Managing Tax Liability under Canadian Departure Tax
Questions around Departure tax for IRS side:I record the value for the CRA to pay Canadian 2024 departure tax.What happens in the US when I actually sell?Do I show my Canadian 2024 tax return and...
View ArticlePersonal Consumer Issues • Gurgling sink, what to do??
Just to repeat what was already said - if you have a septic tank and you hear gurgling somewhere it's a good idea to check to make sure you don't have a clog/debris at the the outlet that comes into...
View ArticlePersonal Consumer Issues • From BWI
You might have a tough time getting an Uber at that time. A cab is a safe bet.bccStatistics: Posted by bcc1234 — Tue Apr 23, 2024 6:51 am — Replies 5 — Views 765
View ArticlePersonal Finance (Not Investing) • Studying for CFP exam just because?
This is my retirement plan to study and get CFPGiven that the CFP requires a considerable period of work experience in the field, how is that "retirement", unless your current employment meets the...
View ArticlePersonal Consumer Issues • Tesla door panel gap: worry about it or non issue?
They may say it's "within spec". They may make the issue worse (seen this in Tesla forums).One of my headlight units is very slightly off and not fully flush. No one but me would probably notice it. I...
View ArticlePersonal Investments • Navy Federal cd vs vanguard money market
How volatile is the interest rate on the money market? Like, the "fed" makes an announcement and the next day rates go back to <1 percent? Or does it usually happen gradually?If the FED lowers...
View ArticlePersonal Finance (Not Investing) • Help me optimize: banking, savings and...
For travel, I use a Chase Sapphire Preferred. The fee is not too high and it provides decent travel insurance.That may be my best bet. And then add a chase business checking and maybe personal...
View ArticlePersonal Finance (Not Investing) • Question about Genworth Haney Settlement
Regarding future rate increases....I am not 100% confident that they will not continue to raise rates in future years...so long as they are hemorrhaging on LTC losses they will file rate increases...
View ArticlePersonal Consumer Issues • Paris 3 full days - Help plan please
Thank you everyone for all your reply.I just noticed that Eiffel tower summit access tickets are sold out "online" for my date June 10. So I think we have to stand in the line to get the tickets, Do...
View ArticleClik here to view.
Personal Consumer Issues • Banking apps on your phone?
If I have the Applebees app are they going to check for a rewards balance and now I have to take them to dinner? Brings new meaning to “I’d kill for some boneless buffalo wings right now.”The other...
View ArticlePersonal Investments • Today I gave up on factor investing
AVGV has outperformed VT since inceptionChecking from inception is a terrible way to determine if a fund is good...The ones that trail off the bat get closed.The ones that do well in the beginning may...
View ArticlePersonal Investments • Help evaluate our plan?
Just curious, how did you come up with the 120k number? Was this an average of the last few years? When you were working, were you actually able to save the difference between your salary and the...
View ArticlePersonal Finance (Not Investing) • Grandparent-Owned 529's a bad idea?
Grandparents' owned 529s are accessible by Medicaid should they ever need it, may get drained quickly by Long Term Care.But, isn't it true that the 529 plan is treated like any other gift, with just a...
View ArticlePersonal Investments • 6 Year Check-in / Critique My Portfolio
....Roth IRA @ Vanguard: $65k (all in VTSAX Admiral shares). I do a Back-door Roth every January. Brokerage @ Vanguard: $54k (all in VTSAX Admiral Shares). ....I would switch the Roth IRA to VFIAX...
View ArticleInvesting - Theory, News & General • Reporter doing story on bad...
I hope Ms Sanders addresses the unwarranted fears of "pro-rating" heaped upon us by math phobics. Also the common query about "I have 2 cents (well now it's 2 dollars) of interest earned since I...
View ArticlePersonal Investments • Please evaluate 2026 retirement plan/current portfolio
Allow me to help, feel free to copy and paste in an email to your boss this morning:Dear [Recipient's Name],I am writing to formally resign from my position as [Your Position] at [Company Name],...
View Article