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Personal Consumer Issues • WARNING: I just found a fraudulent Medicare claim...
By default, both my Medicare and BCBS Medicare Supplement accounts display claims sorted by service date, most recent to oldest. I think the fraudsters count on it. They submitted a single claim, with...
View ArticlePersonal Finance (Not Investing) • First Roth contribution for 2023 in 2024...
For a friend: A Roth contribution for 2023 can made before April 15, 2024 .Since the 5 year rule is based on tax years, a first Roth contribution on Dec 31 would count as on Jan 1. What about the...
View ArticlePersonal Consumer Issues • Recommended Apple Watch Bands?
I've had a Braided Solo Loop since I got this watch three years ago. I love it... except it has stretched out. Now, the sensors often lose contact with the skin, and the watch itself can get...
View ArticlePersonal Investments • Recharacterizing tIRA to rIRA
I contributed $6,500 to my tIRA for 2023. Due to some happy but unforeseen bonuses, our MFJ MAGI is much higher than expected at ~$122,000. Since the tIRA deduction begins at $116,000 (both covered by...
View ArticlePersonal Finance (Not Investing) • Planning for Social Security and Non-COLA...
I have tried searching through some older threads but not finding exactly what I need. Basically, I am using FIREcalc to try to project a feasible retirement date based on current spending as well as...
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Non-US Investing • Help on DE/PT (EU) Investment Strategy
Hi everyone. I entered a more financially stable part of my life, and I need to decide on my portfolio for both the short term and the long term.My profile is as follows:Age: 30Tax residence: EU...
View ArticlePersonal Investments • Help this 56 yr old lady rebalance
Hi, I’m hoping you folks can give me some advice. I recently turned 56, & I currently have a portfolio that’s about 78% stocks. It’s been a nice ride, & retirement is still a ways off, but it...
View ArticlePersonal Finance (Not Investing) • Annuity exit strategy
I have a Variable Annuity with Transamerica work $2.7 million with $ 625K in basis. It was with Vanguard before Vanguard exited the Annuity business. Can I 1035 exchange a variable annuity for a life...
View ArticlePersonal Investments • Employer 401k - What to do in the new year....
I have an employer 401k with $233k - stopped contributing to it for financial reasons. Also stopped having it managed ..... Most likely will never see retirement in a traditional sense but for what...
View ArticleInvesting - Theory, News & General • To those of you who slice and dice...
We know a great strategy is just to buy VTI, VXUS, and BND. We also know it can be great to sprinkle in other equity indices like VUG, VEA, VWO, VIG, VYM, etc.Given the higher interest rates, I'm...
View ArticlePersonal Finance (Not Investing) • highly compensated employee question
I received the following note from my company: 2024 SSP Contribution Limits – Highly Compensated Employees Based on our recent analysis using IRS guidelines, your 2024 contributions to the SSP will be...
View ArticlePersonal Finance (Not Investing) • Federal employee: LWOP or take vacation?
I'm a federal employee who is thinking of taking an extensive summer trip with my family. I am lucky to get 5 weeks of leave a year, but the trip as planned would require an extra three weeks beyond...
View ArticlePersonal Investments • Mutal fund EOD purchase
I added $6,000 to my Roth IRA mutual fund yesterday and it posted today. However, the fund was only "up" $5,610.92. I thought mutual fund purchases were made after the close of the market, so I was...
View ArticlePersonal Finance (Not Investing) • Early retirement - evaluating ACA plan...
Hi all - hopefully, this post belongs in the "personal investments" area.Considering taking the early retirement plunge (me = 57, DW= 58) in a couple of months. I'm evaluating the ACA options and want...
View ArticlePersonal Investments • Backdoor Roth conversion Question
Hi,So I have a question. I contributed $6500 to my traditional IRA and indicated it for 2023, however my Roth conversion from the Trad IRA to Roth IRA didn't happen until 1st Jan 2024 and I know we...
View ArticlePersonal Consumer Issues • The "Hot Upstairs" Topic
This topic is scattered throughout the internet and these forums. I have personally dealt with it for the last 20 years in different forms and homes. I'm going to make some decisions in my current...
View ArticlePersonal Investments • Portfolio Review - Hoping to Retire Early
Hi all,Long time observer. Our goal is to have the option to retire at 50. The longest we'd be willing work is 55. Our retirement number is $3mil. DW will have a $5k per month pension at retirement....
View ArticlePersonal Investments • Investment Options
My employer plan includes a non qualified option. I am trying to decide where to invest new $$. I expect that I will need to liquidate the non qualified option in about 2 years upon separation from...
View ArticlePersonal Investments • Am I saving too much for retirement, or not enough?
Hi all--assessing my portfolio and trying to see where to direct my excess savings, especially once I'm done paying my student loans this year. I'm wondering if I should be increasing my TSP...
View ArticlePersonal Investments • Fixed Income options in taxable
I'm helping re-configure a family member's portfolio, and their stated goal is to reduce equity exposure from 85% to about 50%-60%. The bulk of their assets are in a taxable account, which will...
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