Personal Finance (Not Investing) • Life with Term Certain Annuity -...
Regarding a life annuity with a 10-year term certain payout option:1) can I name multiple beneficiaries to receive the balance of the 10-year payout if I die, or only a single beneficiary?2) will the...
View ArticlePersonal Investments • Short Term Investment
I have some money sitting in my Fidelity account that I plan to use to buy stocks soon. Not sure when it will be used, could be a couple of days, 1 week, 2 weeks form now, or even longer, depending on...
View ArticlePersonal Finance (Not Investing) • Estimated taxes following year after...
We sold our house in 2023 for a substantial gain. We paid estimated taxes on the capital gains in the same year and the IRS owed us a refund. Do we need to pay estimated taxes for 2024 based on the...
View ArticlePersonal Consumer Issues • What Advice Do You Have For A Climate Controlled...
I’m going to be putting my household possessions (including furniture, home decor, accessories, washer/dryer, art, sports memorabilia, electronics, clothing and etc.) into storage for a couple months....
View ArticlePersonal Finance (Not Investing) • 2022 Form 8606 Correction Head scratcher
This question is an extension of my backdoor Roth IRA tax discussion. My 2022 tax return form 8606 was completed incorrectly. Part 1 is blank and I was taxed on the 6000 I contributed to my Trad IRA...
View ArticleInvesting - Theory, News & General • Historical Data for metals
Kitco.com was a great resource if you wanted historical spot gold/silver/platinum/palladium pricing. They had daily values back for tens of years, calculated monthly and yearly averages, etc. You...
View ArticleInvesting - Theory, News & General • How is the Schwab experience?
After 30+ years as a customer, I'm contemplating moving away from Vanguard. I had an issue with them several years ago that took many months to resolve (their error) and the recent communication...
View ArticlePersonal Investments • 401k Fund Selection
I'm currently invested 100% in FXAIX in my 401ks. I've recently discovered the Bogleheads community and due to my age (55) feel like I may want to diversify into a Boglehead style simple three fund...
View ArticlePersonal Investments • investment conundrum - French citizen, current US...
Hi everyone,This isn't a question I am asking myself but one of my friends is struggling with how to invest his money. He is French and moved to the US 5 years ago for work. He is now planning to move...
View ArticlePersonal Finance (Not Investing) • Rear ended while on a trip in Portugal...
Was rear ended today while on a trip in Portugal. The car was rented from Hertz in Spain. The rental was booked with Chase Sapphire Reserve using their travel portal.Since the accident happened at a...
View ArticlePersonal Finance (Not Investing) • TTTXX vs SPAXX for state tax savings?
It’s my understanding that SPAXX distributions are not entirely exempt from state tax but TTTXX generally is. What would one look for in a MMF prospectus to determine how much of the funds holdings...
View ArticlePersonal Investments • Asset couple location
There's often talk about asset location, where you for example deploy your bonds in your tax deferred to avoid paying taxes. If you are a couple with an age difference, is there any advantage to...
View ArticlePersonal Finance (Not Investing) • Negotiating Raise or Rate Change as...
Hello,I have a quick question about negotiating a rate increase (raise) as a W-2 contractor (IT/engineering). I have mostly been a FTE during my career but I took a contract about 6 months ago. The...
View ArticleInvesting - Theory, News & General • Federal Reserve - Survey of Consumer...
Pretty interesting data if you are interested. Many different views/sorting.https://www.federalreserve.gov/econres/ ... units:meanStatistics: Posted by tinkertoyz — Mon May 20, 2024 2:57 pm — Replies...
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Personal Consumer Issues • Retirement and thank you trip for in-laws
Hi everyone,We're planning to send my wife's parents on a retirement/thank you trip to show our appreciation for all their support over the years. They know it's coming and are excited to take this...
View ArticlePersonal Finance (Not Investing) • Solicitation from Fisher Investments
Today, I received a solicitation from Fisher Investments. It says:"It takes skill, perseverance and savvy to be counted among the wealthiest Americans. To have out-saved and out-invested your peers...
View ArticleInvesting - Theory, News & General • How to Use [Fixed Income] Ladders
[Title edited for clarity - moderator oldcomputerguy]I'm a bit confused about the appropriate use of ladders and would appreciate some basic guidance please.I retired in Feb at age 62 with a pension...
View ArticleInvesting - Theory, News & General • How Do You Calculate Average Returns...
So I was looking at SP500 historical data today, particularly the last ten years since I will have been a professional for 10 years by this October.The thought in my mind was that the returns in the...
View ArticlePersonal Finance (Not Investing) • College Savings Hacks?
I'm trying to minimize the cost of my son's college. Outside of the normal ideas like scholarships, FAFSA aid, work, work study, etc. What are other creative ideas that people have?So far, I'm going...
View ArticlePersonal Investments • MLP sold to stock company
[edited title to remove all caps - moderator prudent]I previously owned shares of Magellan Midstream Partners an MLP which was purchased by OKE, a stock company, on 9/26/23.I know if a stock company I...
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