Personal Finance (Not Investing) • Qualifying for Medicaid -any repurcussions
My husband and I had a tragedy and had to take care of a family member who passed. We missed 3 months of work and had very little income for that year and qualified for Medicaid only on our income. We...
View ArticlePersonal Investments • Portfolio review from Texas
I would like to get a portfolio review.I would like to maximize my capital as I will leave it to my Alma Mater.I am 74 years old, single, no dependents.I live in Texas. I think I have a pretty good...
View ArticlePersonal Investments • brokered CD with incorrect maturity date
about 2 weeks ago I selected a non-callable brokered CD that closed July 1. I had gone through my brokerage firms CD selector and found one that matured at the end of 2025 I liked. Today I found out...
View ArticlePersonal Investments • 403b Options
I have two 403b accounts, one from my current employer and one from a former employer. Both roughly 200k now. They are in the same insurance company and were invested in the same securities. Basically...
View ArticlePersonal Investments • Bonds in Roths
I have a handful of retirement accounts (none are taxable) and an overall 60/40 split. At first I just planned to keep each individual account at that ratio, but have also read recommendations to not...
View ArticleClik here to view.
Personal Consumer Issues • Where to find a gigantic goose down duvet?
DH and I need a bigger duvet so we’re no longer playing tug of war in our sleep We have a king size bed and would like to keep the cost in the $500 range if possible. We are partial to goose down, not...
View ArticlePersonal Investments • Treasury Ladder Execution
A question about executing the tip ladder tool. The tool is quite helpful, but have issues to execute the recommendations, Let me explainI accessed the site yesterday and received the output. One...
View ArticleInvesting - Theory, News & General • Early Semi Retirement
Just starting to think about this. I am 38 and have about a 730 k net worth. 642k of that in index funds. I would love to go to part time work by 45 or 50. But I need health benefits. I am aware of...
View ArticlePersonal Investments • Leaving an AUM Financial Advisor
Hello all,I am hoping to learn from those who have done this before so I will be prepared when I leave my current AUM advisor. I currently have around half my investments with this advisor - one...
View ArticlePersonal Finance (Not Investing) • Merchants and card surcharges - are they...
I'm noticing more and more places instituting credit card surcharges of 3%+ for any type of card, credit or debit. I thought this was against the Visa/MC/Amex merchant terms, or did that change? It...
View ArticlePersonal Investments • active funds that beat index over last decade
Following information was presented in recent Jason Zweig column in the WSJ:Over the past decade, an annual average of only 27.1% of actively managed funds benchmarked to the S&P 500 beat it....
View ArticlePersonal Consumer Issues • programmable in-wall timer with sunset/rise not GE?
We've used GE SunSmart in-wall timers for three of our outside lights for years.https://www.amazon.com/GE-SunSmart-Auto ... r=8-1&th=1I'm looking for a replacement because every few years a timer...
View ArticlePersonal Investments • Ideas on simple portfolio?
I am 73 years old with $1.0 MM, 1/2 VTI, 1/2 various Vanguard bond funds (short and intermediate). Is there a simplier less volatile way to invest this money so I don't have to think about...
View ArticleClik here to view.
Personal Finance (Not Investing) • Buying my first house. Should I put down...
Hello everyone.I am buying my first house.I’m 36 years oldPurchase price is 560kZillow says the house is worth 710kI am still waiting on appraisal. I have lived here for 10 years renting, it is a off...
View ArticlePersonal Finance (Not Investing) • Please scrutinize my FIRE plan - work a...
Married couple in mid 30s with a toddler. Currently in HCOL and plan to relocate back to home country in Asia for early retirement.Net worth:- about 3m in after tax accounts invested in VTI (us total...
View ArticleInvesting - Theory, News & General • Individual Bond vs Bond fund and the...
In your fixed income, you can do individual bond or bond funds (I supposed you can do both). When you use bond fund, you can reinvest the dividend. When you use individual bonds though, the interest...
View ArticleInvesting - Theory, News & General • FYI: not all Fidelity rollover IRAs...
Just an FYI regarding something I recently encountered. I wanted to buy some TIPS in a rollover IRA and figured that would be easy since you can buy a pretty broad spectrum of investment products in...
View ArticlePersonal Finance (Not Investing) • Credit Card Feature That Enables Fraud
After suffering credit card fraud, you contact the issuer to obtain a new card and shutdown the old number. Then you receive more fraud, sometimes before the new card arrives. Why? The issuer...
View ArticlePersonal Consumer Issues • Tropical Storm Damage - Repair Process?
I'm located in Houston metro area and we are about to be barreled by Tropical Storm or Hurricane Beryl.While I hope we are limited to power outages, I want to be prepared ahead of time what to do in...
View ArticlePersonal Investments • Help a Lost Sheep! Portfolio Review Needed...
Greetings,For the past several years, I've been proudly adopting the Boogleheads mentality in managing my investments. However, even the keenest eyes can miss a beat or two. I would greatly appreciate...
View Article