Personal Finance (Not Investing) • This is my plan for the next 1-10 years....
HI,Been going over in my head and I think this makes sense.... We are married living in NYC area, own home, no debt, retirement savings about 2.5million about 60/40 allocation, 2 kids in their...
View ArticlePersonal Consumer Issues • Auto Maintenance before a long road trip
I mostly travel long distance by air or rail, but now getting a request to spend a couple weeks with family in Atlanta for the Xmas holidays. I am in New York. I am considering driving to Georgia and...
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Investing - Theory, News & General • Great Expectations? Anticipated and...
There have been a number of threads about bonds on these boards recently, at least some prompted by recent increases in yields and a concern that a ‘bond bear market’ is underway. I was curious to see...
View ArticlePersonal Investments • Concentrated stock: act now or wait?
I'm 62, close to retirement. I have a concentrated AAPL position with basically zero cost base. I'm concerned about the long term stock price and I want to diversify. Unfortunately, there's a large...
View ArticlePersonal Consumer Issues • For those who used to shovel then bought a snow...
Today I ordered my first snow blower (EGO Power+ SNT2122), I paid $750 for it. I live in Indiana where we get the following snow on average:1 to 2 Days per Year (3-8 Inches or Major Storms).2 to 3...
View ArticleInvesting - Theory, News & General • MYGA followed by SPIA, versus a DIA
Suppose there was money I wanted to protect from market risk, and that I intended to annuitize for spending money eventually, on X date. Is it generally better to 1) put it into a MYGA lasting until X...
View ArticlePersonal Investments • Best retirement account move for 52 year old!
Hi, I am one-week-old to the BH community. I am soaking in everything I can from reading and very grateful for how much I have learned over the last 7 days. I am 52 years old and quite naive in...
View ArticlePersonal Consumer Issues • Bank websites/apps without ads? Any way to turn...
First Vanguard had their pop up for Personal Advisor. Then American Express started constantly showing a pop up for a line of credit or some card offer. Now Chase is doing it. When you log into the...
View ArticlePersonal Consumer Issues • Yubikey: In case of death
Are Yubikey's programmed for a single user's biometrics?I'm trying to wrap my head around how DS would access our accounts if they are Yubikey-enabled and I drop dead.Statistics: Posted by...
View ArticlePersonal Investments • Lump sum or pension given my specific options?
I am trying to decide whether to take the lump sum offered by my former employer, which can be rolled over into an IRA, or take one of the many options offered by my former employer for the pension. I...
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Personal Finance (Not Investing) • Healthcare Enhancement for Local Public...
I searched through the site and did not see any information on this topic. I am a soon to be retired police officer looking for advice on how to optimize the $3,000 HELPS Act tax exclusion while...
View ArticlePersonal Consumer Issues • Old Coffee Beans
We no longer drink coffee nor have an occasion to serve it. We have an unopened bag of nice whole coffee beans that has been sitting around for a few years (we don't know exactly how long). We can...
View ArticlePersonal Investments • tax loss harvesting muni ETF
Can you confirm the below allows me to take full advantage of the loss harvesting without any wash sales or "6 month muni ETF rule" effects? Thank you.I have municipal bond ETF "MUB" with $30k losses....
View ArticlePersonal Investments • Opinions on next steps [unhappy with new Vanguard PAS...
My Vanguard PAS Advisor has retired. I don't like the background, experience and past employment of the replacement Advisor. In fact I rejected the first one, and I don't like the secound one either....
View ArticlePersonal Investments • AA change to mitigate Sequence or Return Risk @...
This has probably been discussed before, I just can't find an old thread that helps.I've been happy with my current AA of "X", but having recently retired, I've been considering if I should increase...
View ArticlePersonal Consumer Issues • What constitutes "electonic payment"...
As many companies, my long time home / auto insurer "offering" electronic communication.Recently mailed me my bill. On it, said:"We're moving to paperless billing.""If you pay this bill electronically...
View ArticlePersonal Finance (Not Investing) • Estate attorney sent new invoice months...
We had a referral to an estate attorney. There was some back and forth over email before we signed to change some details, and they had to fix one or two things during the signing session that they...
View ArticlePersonal Investments • What % TIPS to cover SORR?
[For member reference, OP discussed considering this approach in an earlier thread, Jan 2026, viewtopic.php?t=467345. Moderator Pops1860]I created a TIPS ladder through my traditional IRA to fund our...
View ArticlePersonal Consumer Issues • Car wax - can you wax shiny, black plastic trim?
I know you shouldn't get wax on the unpainted, matte black plastic bits around the wheel arches, etc. as it's very difficult to get off. But what about if the trim pieces are all glossy black...
View ArticlePersonal Investments • Beginner Education [Suggestions for investing resources]
Mid 40’s looking to learn about how to get started. Any advice on good books, videos?Thank you[Title edited for clarity. Moderator Pops1860]Statistics: Posted by BizzyEric2003 — Sat Sep 26, 2026 9:35...
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