Personal Finance (Not Investing) • Health Savings Account - Can contributions...
This may help the discussion. There is no such thing as an "employer" HSA. All HSAs are owned by the employee. Whether your employer sends a check to your Fidelity HSA (that you chose) or whether they...
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Personal Investments • My parents are retired
Why would you even ask about annuities when you have not addressed your parents monthly expenses and how much of that will be covered by SS and your moms pension?Well, username checks out. OP, welcome...
View ArticlePersonal Investments • Is there a sweet spot for Roth conversions?
Bottom line. Nobody knows if Roth conversions are a good idea.Edit: When in doubt do a bit of each.Perhaps there are some or many that do not know if they are a good idea.But there are some...
View ArticleInvesting - Theory, News & General • Blackstone is liquidating properties...
https://www.youtube.com/watch?v=Wa5r73qp_-UNick Gerli, the guy behind the "Reventure Consulting" YouTube channel is not a good source of information.Nick has been calling for a housing crash just...
View ArticlePersonal Investments • Back into bond funds - which one?
Your decision on what to buy should be based only on your ability to hold it forever. You want to buy something that you won't feel the need to sell when it is performing poorly, no matter what....
View ArticlePersonal Finance (Not Investing) • If a small company (LLC) buys another...
A company can terminate a 401(k) plan at any time for any reasons. Being bought out is almost guaranteed to trigger a termination. I personally had my 401k plan terminated 4 times in 10 years while...
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Personal Consumer Issues • How long in advance do you book vacations?
We just booked our trip to Oahu for December. I book this far out because we can get the seats up front I want (of course, not guaranteed), the room she wants (of course, not the Halekulani I want)...
View ArticlePersonal Consumer Issues • Suing Meta (Facebook) to get DW's hacked account...
Fix for OP's situation: small claims court or find a friend who works at Facebook who can be an advocate.Fix for society: Write Congressperson and regulators to advocate corporate accountability for...
View ArticleInvesting - Theory, News & General • Is there a sweet spot for Roth...
Then the bottom drops out. You might have paid taxes for no reason, and end up with less moneyYou have not paid taxes for no reason and you do not end up with less money. Let's say you're in a 30%...
View ArticlePersonal Investments • Portfolio Review - Investor with High Anxiety
1. My high anxiety comes from my fear of failure. I just don't think I am doing well financially, and is afraid that I am letting my family down. I am afraid that I will work until I am 70yo, and will...
View ArticlePersonal Finance (Not Investing) • How to move funds from Vanguard Brokerage...
Seems like I'm going to have to launder this through another bank's savings account, or something like that.Or just ACH between Vanguard->bank->Schwab, if you are already acquainted with that...
View ArticlePersonal Finance (Not Investing) • IMRA and form SS-44 for [IRMAA]
So today I took an actual look at the form (SSA-44) and I'm a little confused how to fill it out. In section 2, you fill in the tax year in which your income was reduced. So for me that will be 2025....
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Personal Finance (Not Investing) • Has the American Dental industry priced...
Two years ago we used a dentist who had just upped her fee for a routine visit from $95 to $125. Very reasonable. Degree from a top dental school. We moved, got a recommendation from an in-law, and,...
View ArticlePersonal Investments • Vanguard Solo 401k Rollover
Hi all,I recently did a rollover from a Solo 401k - I am the plan administrator - to an IRA. Will Vanguard issue a 1099-R for the 401k distribution, or do I need to issue it to myself and submit to...
View ArticlePersonal Investments • Fidelity Cash Manager Problems
I’ve never had trouble with it. I don’t really use checks though. Mostly wire transfer, ACH for bill payI've never had a problem either, using only ACH for about 20 transactions/month and a minimal...
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Personal Investments • How to treat "pre-tax" and "Roth...
Thank you all for the answers! I agree it's nearly impossible to manage and rebalance if the funds are commingled. Are you sure you can't direct the converted Roth funds to a different investment? My...
View ArticlePersonal Investments • Possibly Financially Independent and Feeling Miserable
I applaud the OP for brutal honesty and self-awareness. It is not easy to admit. The behavioral aspects of personal finance and psychology of money are integral to the journey. The goal of reaching...
View ArticlePersonal Consumer Issues • Braces price -can you negotiate ?
We met with several orthodontists. We ended up going to an orthodontist one city away (about a 15 to 20-minute drive) to save $1000 per mouth.Lots of young adults don't wear their retainers and end up...
View ArticlePersonal Finance (Not Investing) • SS Calculator - Stop work and claim SS...
Hello community.I have been trying to determine how much SS I will get if I stopped work x years in the future (before full retirement age), but claimed SS only at full retirement, or at 70 years....
View ArticlePersonal Investments • Is Automatic Investing good ?
From past 4 years I was randomly investing in VTSAX whenever I had funds available, wasn't timing the market.With mobile apps and biometric authentication the overhead to investing has become really...
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