Personal Consumer Issues • Should I add a 240v outlet for future kitchen...
Building a new house and it comes with a gas range. Should I have the builder put in a 240v outlet for flexibility in the future? I believe it will be $550, but need to confirm price.I’m in the PNW so...
View ArticlePersonal Investments • Reach a live person at Vanguard - ACH withdrawal...
viewtopic.php?t=331644Hi All, I read this post with much dismay. I was trying to obtain the written instructions from Vanguard re: conducting an ACH withdrawal or a bank wore transfer from a bank...
View ArticlePersonal Finance (Not Investing) • Experience with Tesla Auto Insurance in CA
For those of you who live in CA and happen to have Tesla auto insurance, I'm curious to know your experience wiith it and if it's good. I have Amica for all of my insurance (home, auto, umbrella) for...
View ArticlePersonal Investments • Bonds in taxable accounts - BND/VCRB
Hi,Does it ever make sense to own a bond fund or bond ETF in a taxable account? Also, are ETFs like BND that less efficient than building a ladder? I assume the tax inefficiency come mainly from the...
View ArticlePersonal Consumer Issues • Water heater flush?
Hey all,I have a tank water heater and am thinking maybe it's a good idea to flush it since I haven't done so since moving in (in 2021). The unit is a Bradford White Eco Defender with Hydrojet...
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Personal Consumer Issues • PRK Touch Up [PhotoRefractive Keratectomy]
In 2000, I had PRK surgery through the Navy. Loved it - have been 20/15 until a year of so ago. Now my vision has slipped to 20/30. Not looking for medical advice . Just wondering if anyone had had...
View ArticlePersonal Investments • Fidelity HSA - How to get back in the market
I previously had my HSA at Health Equity invested at 40% 500 Index, 20% Mid Cap Index, 20% International, and 20% Total Bond.While I hate market timing I was forced to liquidate everything to transfer...
View ArticlePersonal Finance (Not Investing) • Will and leaving stuff to kids
We have 3 kids, 45, 44,42 and want to split our estate pretty evenly. We also want to have our house go to the 42 year old.House is $750,000. Cash/Stocks/treasuries are $1,200,000. Other stuff ( cars,...
View ArticlePersonal Consumer Issues • Beneficary tax reporting of gifted mutual fund shares
Hello folks...first of all I appreciate this site and the collective wisdom and advice members provide..thank you!!...my wife and I are co-owners of a mutual fund that we started using to fund our...
View ArticlePersonal Finance (Not Investing) • Purchasing Excess UM/UIM Motorist Coverage...
We've always turned it down, but am wondering....Is it worth it?Does anyone have any idea how much it costs? Thanks,Statistics: Posted by OnTrack2020 — Mon Sep 16, 2024 4:26 pm — Replies 2 — Views 71
View ArticlePersonal Consumer Issues • Where to live-quality of life
We have some annoyance factors where we live now:Railroad station noisePaving plant noise and pollutionNo county firearms ordinance with bad neighbors.We value:Some outdoor activities such as hiking,...
View ArticlePersonal Consumer Issues • Voip.ms texts for 2FA
Does anybody use this as a replacement for 2FA via SMS? Are banks/financial institutions letting them go thru?I've got Voip.ms set up and the voice calls work fine but texts are not going thru (at...
View ArticlePersonal Investments • Leaving wealth manager->Tbills/CDs/MM?
I posted a few weeks ago about leaving Fidelity Wealth Management Services. My father has a rollover IRA and a taxable account each in the low seven figures. Since they are charging him a combined...
View ArticlePersonal Finance (Not Investing) • Retirement Planning Software that allows...
I am looking for retirement planning software that would allow me to specify not only the order of withdrawals but also let me input the $ amount I want to be used from a specific investment account...
View ArticlePersonal Investments • Pondering Third Child - Already Have Twins
My wife (35) and I (37) have year old twins. We currently find ourselves pondering whether to have a third baby (ETA would be May 2025). Before marriage, and before the twins, I preferred two, she...
View ArticlePersonal Consumer Issues • Cell phone plan reco
I've looked through some of the existing bg threads and my specific use case doesn't seem to quite fit (possible I missed something too):a) DW and I have unlocked Google Pixel 7 phonesb) Currently on...
View ArticleInvesting - Theory, News & General • Fidleity told me to up stock allocation
Hi I am 60 and my husband is 59. We have good pensions (about 120k/year starting in about 2 years) and around 2.5 million in retirement. Our fidelity advisor just told us to increase out portfolio...
View ArticlePersonal Finance (Not Investing) • Check my AI on selling rental paying taxes.
2 actual questions. 1. Does my AI generated process seem right. 2. If the sell date is 11 December 2024 when do I have to write the IRS a check?Background: MFJ pushing top of 22% tax bracket.Sell...
View ArticlePersonal Investments • Retirement income
Just had another meeting with my Fidelity rep last week. I'm getting ready to retire in about 6 months, so his focus in our meeting is to ensure that my portfolio will generate an income stream to...
View ArticlePersonal Finance (Not Investing) • 2nd home or investment home?
I’m toying with the idea of buying a house nearby for one or both young adult children. They aren’t in a position to really pay any rent now. Currently we are paying rent for adult daughter at various...
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