Personal Finance (Not Investing) • Help me make an important decision [Job...
[Moved to Personal Finance subforum - moderator Kendall]Long story short I’m 100% burnt out with my current job. I’ve been there close to 20 years. At this point I’m doing it for the money only. I...
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Personal Investments • Ditch International Holdings?
Years ago, I diversified my 401(k) contributions with a mix of domestic and international stocks. Unfortunately, my international stocks have consistently and substantially underperformed compared to...
View ArticlePersonal Finance (Not Investing) • Is it ever worth paying more to have an HSA?
I’m changing employers and am comparing health insurance options. They offer an HSA eligible plan but all in it is net about $1k more expensive per year after considering the more expensive premium...
View ArticlePersonal Investments • ETFs vs Direct Indexing
I have been a fan of ETF index (VTI, VOO, etc.) investing for years. I've been reading up on direct indexing and am curious as to whether folks on this board are in favor of it. I see the main...
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Personal Investments • Mid-30s professional check in
Hi all,Looking to check in after 12 years of employment and one year of unemployment. I don't expect to get another job before 2024 is over (or make more than $10,000) so that may influence how I...
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Investing - Theory, News & General • A skeptical take on the SPIA
*targeted at a younger crowd, early 70s like me.Imagine a friend has asked you to look at sales material for a “Single Premium Life Annuity.” There you read:“This product guarantees to pay out less...
View ArticlePersonal Consumer Issues • HSN Tracfone Bundles
For a light talk/text and data user, what are your opinions of the Samsung A13 and A14 phones and Moto G Play and Stylus phones offered for sale on the HSN.com website that include 1 Year of Service...
View ArticlePersonal Finance (Not Investing) • Serving as executor for a friend
Coincidentally, two friends have each recently expressed an intention to name me as the executor of their respective wills. One lives in NYC, where he owns a coop apartment, and the other lives in...
View ArticlePersonal Investments • Which Virginia 529 "account" to withdraw...
I'm using the Virginia Invest529 plan, which uses separate "accounts" for different funds (like total stock market or total bond market).So I have the asset allocation set up across three accounts:...
View ArticlePersonal Consumer Issues • Cost for a new driveway
Have been thinking about getting a new driveway and from what I am seeing online, the current going rate for asphalt is about $10 per square foot. Does that sound about right? FWIW, we are in a...
View ArticlePersonal Consumer Issues • Best source for general consumer news/info- Clark...
I like visiting Clark Howard's website and often listen to his podcast to keep abreast of general consumer-related issues. What resources do you use for this purpose (not researching a particular...
View ArticlePersonal Finance (Not Investing) • Where to transfer an old retirement account?
Hi, my wife had a retirement account at a former employer who closed up shop and the existing retirement account switched over to a fixed Rollover Traditional IRA at Voya. This account is just sitting...
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Personal Investments • Inheritance + Portfolio Questions
Hello everyone and thank you for clicking on my post. I am a long time reader, first time poster. I am looking for some guidance regarding an inheritance I recently received from my father totaling...
View ArticlePersonal Consumer Issues • CA meaning of "in the property" vs....
Some of the questions in the California real estate standard Seller Property Questionnaire ask about issues "in the property" and others ask about "on or in the property". Is an exterior wall...
View ArticlePersonal Finance (Not Investing) • Car Loan Interest vs. Investment Interest?
We're currently hunting for a car and debating taking a loan or paying cash. We have a punch list of pros/cons of both options, but my dense brain is having issues comprehending interest on a loan...
View ArticlePersonal Finance (Not Investing) • authorization process for...
Hi All,I know that all 3 credit bureaus allow for the ability to 'freeze' credit. My question is, how is the ability of the credit to be 'unfrozen' authorized? Is there a password-controlled account,...
View ArticlePersonal Finance (Not Investing) • Receiving 2 Form 5498s for the same rollover
I did a direct rollover from a Roth 401 to a Roth IRA with ETrade. They issued two Form 5498s. The main transfer took place in August, and then in October, a small amount of the dividends that came...
View ArticlePersonal Finance (Not Investing) • Fidelity Retirement Planner Social...
I noticed that the Fidelity Retirement Planner report is showing the same social security benefit every year. The planner requires that I enter a projected age to begin claiming social security and an...
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Investing - Theory, News & General • What's up (or down) with TIPS?
The purpose of this thread is to discuss any and all topics related to TIPS (Treasury Inflation Protected Securities). There are lots of other threads focused on various aspects of TIPS, and of course...
View ArticlePersonal Investments • CD's vs Stock & bond mutual funds now
I have an adequate income stream in retirement from pension and RMDs from 401k. I also invest in Vanguard mutual funds stock:bond 60:40. For the past 2 years I have been putting extra cash in CD's and...
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