Personal Finance (Not Investing) • Self-employed medical expense deduction
Medigap premiums are specifically not allowed to be deducted.Not true. HSA funds cannot be used to pay for Medigap premiums. However medigap premiums like Medicare premiums including Part D plans can...
View ArticlePersonal Investments • A few newbie questions for Fidelity (taxable) users.
I'm not concerned about 4 transactions per year on any holding, but I do have dividends land in the sweep account, and use the proceeds to make strategic purchases; i.e., rebalancing. In my case I...
View ArticlePersonal Finance (Not Investing) • Thinking about transferring IRA from...
That was a smart move, because when VG moved the non-covered shares, they changed them from specific lot basis to average cost basis. Vanguard has always listed noncovered shares as average cost...
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Investing - Theory, News & General • Filling the TIPS gap years with...
Is it somehow wrong to say that if you buy an certain amount of excess 2054 holdings, and then find that you have 100K left over after the swap, that maybe you bought too much to begin with? Maybe we...
View ArticlePersonal Finance (Not Investing) • Fidelity CMA - direct experience?
You can hold other money market funds tooStatistics: Posted by muffins14 — Sat Jun 22, 2024 11:36 pm — Replies 3 — Views 197
View ArticlePersonal Finance (Not Investing) • Social Security Retirement Calculator. Is...
Before or at FRA it doesn't matter, since there's no DRCs to lose. After FRA, either January or at age 70 avoids losing any DRCs.I'd say that's not the best way to think about it. The "missing" DRC...
View ArticlePersonal Finance (Not Investing) • Nightmarish Special Needs Trust Update -...
This sounds like a Power Of Attorney situation where you need trust and somone who knows the situation. Many business’s have regulations and process for managing money for individuals but somone needs...
View ArticlePersonal Finance (Not Investing) • How Many Bank Accounts Do You Have?
My setup is:Fidelity Primary CMAdirect depositcheck depositbill paydebit card for ATM withdrawals only if Secondary CMA debit card is compromised and cannot be usedt-bills (no auto roll) for expenses...
View ArticlePersonal Finance (Not Investing) • 20 acres and a custom home- can we...
These days a custom home of a decent size and quality is basically a 7 figure proposition if you hire everything done. Don't be fooled by people bidding less or seeming to cost less on a sq foot...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
The Voyeurs with Sydney Sweeney. Excellent flick, really enjoyed it! Lots of suspense, intrigue, twists and turns.Statistics: Posted by WhitePuma — Sat Jun 22, 2024 11:46 pm — Replies 11453 — Views...
View ArticlePersonal Investments • Whole Life Insurance Policy
Google “Vatical life settlement” if cash is needed a third part would buy the policy for less then the death benefit. You get cash now and they get the policy proceedsStatistics: Posted by Dpmbball —...
View ArticlePersonal Finance (Not Investing) • can i just give most of my money to daughter?
i am 70 and currently living well within my social-security financial boundaries and hence have no need for my wee pile of savings. my biggest fear is that general old age and/or an illness will chew...
View ArticlePersonal Investments • Bond Funds
It would be helpful if you listed the Vanguard mutual fund names because I don’t think many people have memorized the 250-275 Vanguard mutual fund ticker symbols & probably a lot of people, like...
View ArticlePersonal Finance (Not Investing) • Monitor investment without checking it...
I am working with a family member on investing for retirement. One of the question I have is how often they want to monitor their investment. Their response is that they rather not check it. They feel...
View ArticleInvesting - Theory, News & General • A Framework for Risk Management
Add sequence of returns risk, which has to do with the timing of returns, specifically loses in early retirement.Statistics: Posted by chance — Sun Jun 23, 2024 11:40 pm — Replies 5 — Views 506
View ArticleInvesting - Theory, News & General • Is Primecap open to new investors?
Primecap came to my attention in the mid 1990s when a colleague at a think tank I worked at asked if I had an explanation for the over-performance of this fund among the choices we had. The 401K plan...
View ArticleNon-US Investing • AUS investor seeking guidance on portfolio and FIRE
That's impressive, considering you consider yourself a 'financial amateur' and have a household income of 140k.I don't think you are overly risky. Your assets will need to last a good 40 or more...
View ArticlePersonal Consumer Issues • I went to Costco for tire rotation and they told...
I just uploaded a picture https://ibb.co/rf3ptqtit seems not rusted but car's age is indeed their excuseIf it is the age of your car my 1998 Mazda pickup truck is in serious trouble.Someone...
View ArticlePersonal Finance (Not Investing) • Pledged Asset Loan for Home down payment
I'm planning to close on a home in WA state in two months and am working on finding ways to pay a 20% down payment which is 250K. I currently have 100k in cash, but I also have index funds worth 250k...
View ArticlePersonal Finance (Not Investing) • 50/30/20 Rule Discussion on Wants vs. Needs
First, 50/30/20 is meant to be applied after income taxes. As for the 50% needs, it's meant to represent expense that you must spend. For example, you need to pay that mortgage to keep the house, but...
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