Personal Finance (Not Investing) • Letter From Social Security Cutting Social...
Could this refer to just the spousal component of her overall benefit?Ah ha! I think you are onto something #Cruncher. The OP has another thread where he reports he and his wife received an unexpected...
View ArticlePersonal Finance (Not Investing) • Quarterly Estimated Taxes for Taxable...
This is my first year in retirement and a good part of my income comes from my Vanguard taxable account. How do others figure out their estimated quarterly taxes to pay for federal and state taxes?In...
View ArticlePersonal Investments • Mortgage Payoff vs Taxable Account - What else should...
Op I have really enjoyed the updates. I love seeing a plan in action. Any temptation to cash out a bit of the investments and pay down the mortgage considering the market has been on such a tear over...
View ArticlePersonal Consumer Issues • Tile Roof Question
Our house has a concrete shingle roof that's 28 years old. We're getting bids to replace the "underlayment" under the tiles.We don't have any leaks, but since the underlayment has an expected lifespan...
View ArticlePersonal Investments • Portfolio and house buy questions
1) Yes, immediately change your 401(k) selection to Roth 401(k) for the remainder of the year. I suspect that change won't be effective until Oct 31st paycheck, so you will have 5 paychecks left. You...
View ArticlePersonal Investments • Invest in dual health coverage to get HSA access?
Do you mean dual coverage by two policies? Or that you and spouse will be separately covered by two different policies with no overlap?If you individually have coverage by two different policies you...
View ArticleInvesting - Theory, News & General • Fidelity Data Breach
In another data breach notice filed with New Hampshire’s attorney general, Fidelity revealed that the third party “accessed and retrieved certain documents related to Fidelity customers and other...
View ArticlePersonal Finance (Not Investing) • IRA after the death of the owner
You should be able to split the IRA into two separate inherited IRAs for each child. They will have 5 years to distribute.Discussion of this topic here: https://irahelp.com/forum-post/62016-in ......
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
There isn't suppose to be any fees for Citi PWM. You could transfer the majority of the account after the holding requirement. If you want to avoid the full ACATS transfer fee later. I would leave...
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Personal Consumer Issues • Refund approved but taking forever
This is a tangent and risks derailing my thread. Could you please post your question in a new standalone thread?Given that your post generated questions about deadlines for filing disputes, I'm not...
View ArticlePersonal Finance (Not Investing) • CA resident - FRSXX vs FTCXX
Just wondering how can I calculate which one offers better net return for a CA resident? Marginal Tax rates:Federal: 35%State: 10.3%FRSXX - Fidelity Investments Money Market Treasury Only - 7 Day...
View ArticlePersonal Investments • Early Retirement: $1.6m Advice on Portfolio...
I don’t think 1.6 million is enough to retire at 36. If you must try, I wouldn’t lock in low returns with a tips ladder, particularly since your social security amount will be low. You’d have better...
View ArticlePersonal Investments • Portfolio reallocation question: excess cash, bond,...
If you want advice, we will need more information and ask that you please use the following template. Asking Portfolio Questionshttps://www.bogleheads.org/wiki/Asking_ ... _questionsAs far as...
View ArticlePersonal Consumer Issues • Tesla robots for homes - are we there?
Of course, "in 2019, Musk claimed that the Cybertruck would be available in late 2021, starting at $39,900" (Source). No matter what it is, Musk always says it will be in volume production in two...
View ArticleInvesting - Theory, News & General • Do you stay the course AFTER you've...
I have won the game but that doesn't determine how to manage or spend what I have. To me "won the game" simply means I've got large accumulated investment and savings accounts. I don't need more. But...
View ArticlePersonal Consumer Issues • Yosemite with four kids in mid-November
We love Yosemite in November when the crowds are down! Chains - probably won't need but definitely should have on board. Weather - who knows?! -But you will need the winter clothing even if you get...
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Personal Consumer Issues • Hose bib (hydrant) at sidewalk water meter?
OP Update. Today I noticed a garden hose snaking out of a neighbor's water meter box next to the sidewalk, so I peeked inside to find a hose bib.I opened my own meter/valve box and found a capped...
View ArticlePersonal Consumer Issues • Engineer camp for teens?
Probably? I'm unsure of this answer. He is a freshman, in advanced math, the school year just started but currently all his grades in math are 100.I was just thinking about this the other day. For me...
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Personal Consumer Issues • $2000 water bill - yikes!
While $2000 would be more than an entire year for us, it could be that your old meter was defective and your $160 / quarter bills were wrong. I write that because my old meter broke and registered...
View ArticlePersonal Finance (Not Investing) • Hit by car . Insurance advise
So I’m in no fault insurance state. My vehicle was hit by an other vehicle as I stopped at a red light. The other driver admitted fault.My insurance is saying that I’m responsible for my share of...
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