Personal Consumer Issues • Free or Low Cost Resources at Library
I was thinking of maybe taking up reading books from the library.Interested in mysteries (fiction and non-fiction) and maybe some biographies.Do you use the library ? if so, what free or low cost...
View ArticlePersonal Investments • VAnguard: Transition from Mutual Fund to Brokerage...
Hello All. Have a few questions on the upcoming transition by Vanguard as they are retiring their Mutual Fund Platform and transitioning everyone to a Brokerage Account Platform. I have been one of...
View ArticlePersonal Finance (Not Investing) • Understanding closing price of some mutual...
I was looking at Nuveen High Yield R6 (TIHYX) on Yahoo Finance https://finance.yahoo.com/quote/TIHYX/history/ The Aug 2 closing price at the top ($8.72) does not match the one in the table ($8.75). I...
View ArticlePersonal Consumer Issues • Oil change inflation etc.
I moved to rural Alaska in 2018, the land of not having to maintain a car. Left 2016 Hyundai Accent with adult son who has taken good care of since. Bought a 2022 Hyundai Kona in summer 2021. Pandemic...
View ArticlePersonal Finance (Not Investing) • Spinoff from 2fA discussion: cyber insurance?
I’m curious… a few years ago, I added cyber insurance for our small business. (Good lord, so many different insurance policies I literally couldn’t tell you how many! And I hate insurance). It’s not...
View ArticlePersonal Investments • Small cap value tilt with passive investing, vs....
I'm a 3-fund investor with Small cap value tilt (I do this with VSIAX in Vanguard, and FISVX in Fidelity in 401k brokeragelink). I have always been one, this is not about recent surge of SCV (followed...
View ArticlePersonal Finance (Not Investing) • Advice on Stretching Finances to Purchase...
Hello All!I live in a HCOL area and my primary residence is rough - very uncomfortable: 1 bathroom for family of 5, no central heating / air, no dishwasher, etc. But, a valuable lot. We're the poor...
View ArticlePersonal Finance (Not Investing) • Preparing to pay down principal at ARM...
I currently have a $1.7M mortgage on my California home. It was last refinanced in 2021 into a 5/1 ARM with a very low interest rate. However, in about two years in 2026 the rate would be reset and I...
View ArticlePersonal Finance (Not Investing) • FIRE - What is it really about?
What is FIRE really about? Is it about having enough money to walk away from work forever (RE), and never working again? Is it really about a number? Is it about having control over our financial...
View ArticlePersonal Investments • Should I adjust bond ETFs based on interest rate changes?
I'm currently following a 60/40 stock/bond portfolio strategy and have been considering whether I should adjust my bond ETF holdings based on changes in market interest rates.I'm very new to bond...
View ArticlePersonal Finance (Not Investing) • Need urgent attorney recommendations to...
As the name suggests, I need urgent recommendations for any attorneys in California that can help spouse & I set up a living recovable trust to put the title of our house into. I'm aware that...
View ArticleClik here to view.
Personal Finance (Not Investing) • Missed Filing Form 8606 for 2 Years; What...
Hello all! Recently I reviewed my taxes in prep for potentially maxing out an IRA for this year. But, in 2019 and 2020, I received a Form 5498 for contributions I made to my tIRA while I was in...
View ArticlePersonal Investments • Out of State 529 advice (CA/UT/NY)?
Hi — I am going to start rolling over annual contributions in my higher cost state 529 (DC) to a lower cost one. I am focusing on California, Utah, and NY as options, though I haven't ruled out NH. My...
View ArticlePersonal Consumer Issues • Lithium Ion battery health
Following battery technology, it's recommended to charge Li-ion EVs when they are around 20% and not to exceed 80%, for the life of the battery. This significantly impacts range. But if it extends...
View ArticlePersonal Investments • Retiree one year from RMD help needed
Hello,I have a taxable account, an IRA and a Roth IRA with Vanguard. Next year I will have to do RMD for my IRA. I am not sure if I would know what to sell, how to plan for taxes (the RMD would be...
View ArticlePersonal Consumer Issues • Intel Core i7 vs i5
I need to replace my desktop, which is still running but having starting issues. It has the i5 chip, since I dont do gaming, is there any reason to get the i7 chip? Second question: I want to change...
View ArticlePersonal Investments • Custodian Question: Schwab v Fidelity v Vanguard
New here.... I'm planning to make a shift from an AUM Advisor to doing it myself, following a much simpler portfolio structure (70/30, 60/40 3- or 4- funds instead of 15+).The accounts (inherited IRA,...
View ArticlePersonal Finance (Not Investing) • best use of large medical expense tax...
Thank you all for reading this question and trying to help me out. My husband has entered a Continuing Care Retirement Community this year. Its costs (initial buy in and monthly costs) are...
View ArticlePersonal Finance (Not Investing) • How much house can i afford?
I (40m) have 223k in VTI in taxable and 125k VTI in roth basis i can pull out penalty free for a home. My fiance (33F) has about 250k in cash that can be used for a home. We both make about 120k...
View ArticlePersonal Finance (Not Investing) • IRA Recharacterization & Conversion
Tax Planning:Q: Is it permissible to convert a traditional IRA to a ROTH IRA in 2024, even though sole funding for the traditional IRA was from a recharacterization of 2023 ROTH contribution that...
View Article