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Personal Finance (Not Investing) • HSA while on Cobra from parents plan, then...
Scenario:In 2023 A is on their last months of Cobra thru their parent's HDHP family plan and can contribute the family limit to their HSA until September 30th.A marries B in June 2023 who is working...
View ArticlePersonal Finance (Not Investing) • How much term life insurance?
My wife and I are trying to determine how much term life insurance to buy. Some background info:We are 31/32 years old and have our first baby due in mid-2024. We plan on having 2 or 3 children total....
View ArticlePersonal Investments • Determining the "contributions" part of Roth...
Hi,For Roth IRA, contributions can be withdrawn at any time free of tax and penalty.How exactly is the "contribution" part determined though at the time of withdrawal ? Given that the money could have...
View ArticlePersonal Finance (Not Investing) • IRS IPPIN
I had an identity theft issue last summer so I opted in to the irs ip pin online and got my 6 digit # for 2023...although I had already filed for 2023 so I never used that number...just wanted to get...
View ArticlePersonal Consumer Issues • OneNote peeps - sync works but is slow
Big OneNote user here, both for noting never ending workplace details and also personal life. I love it and have had it syncing very well across 2 PCs and 2 iOS devices for years. I use 3 Notebooks -...
View ArticlePersonal Finance (Not Investing) • Underpayment Penalty?
I'm retired under 60, MFJ, have interest and dividend income throughout the year, capital gain income in Dec., also did a rIRA conversion in Dec., we had just a $30 FICA withholding from a small...
View ArticlePersonal Finance (Not Investing) • How much can I contribute to HSA? - slight...
Hello friends,My wife (employed) and 24yo (employed) are both on my insurance. I will be 58 and she will be 55 in April. I have been putting away max amount allowed by the insurance into my HSA...
View ArticleInvesting - Theory, News & General • Safe withdrawal rate and early...
Hi,I've been reading about safe withdrawal rates and most of the advices seems (reasonably) tailored to a retirement age of 65. I have retired early at 45. Moreover, my wife is 10 years younger than...
View ArticlePersonal Investments • Should I pay cash for our investment home?
We (Husband and Wife in 40s) are on full-time jobs and are thinking of the following strategy* Pay full cash for a Single Family Home (SFH) investment property now. The funds will come from Vanguard...
View ArticlePersonal Consumer Issues • Do you use BOTH gas AND electric (heat pumps) to...
I'm looking for input from anyone with experience with this situation: our old house had been heated by a natural gas-fired boiler and radiators until about two years ago when we had ductless...
View ArticleInvesting - Theory, News & General • Marcus Invest -- pulled the plug
Finally pulled the plug on Marcus invest closing acct, not a good return overall. I had been in since 02/2021. The final straw was a 01/24 purchase of SHM (SPDR SERIES TRUST SPDR NUVEEN BLOOMBERG...
View ArticlePersonal Consumer Issues • Lots of white exhaust smoke after oil change
I brought my 2001 Camry to a new but highly recommended mechanic for a routine oil change and tuneup. The next day LOTS of white exhaust smoke came out of my tailpipe, and it's been happening ever...
View ArticlePersonal Investments • When should I switch from tax-deferred to taxed...
Hello, Let's say I now have enough in my tax deferred account to have ~1.5 million at 65, which I expect to be enough for post-65 retirement. Should I then just exclusively be putting money into...
View ArticlePersonal Consumer Issues • Dark sky parks or similar? Eastern United...
Had a road trip planned that included a side trip to dark sky park in Pennsylvania. That trip got cancelled, but I recently came across a mention of another place that would be excellent, though not...
View ArticlePersonal Finance (Not Investing) • 401(k) RMDs and inherited IRA: how to...
I'll be hitting the age 73 milestone this year and will need to take RMDs from my 401(k) and IRA accounts. That's pretty straightforward. But I also have an inherited IRA, for which I've been taking...
View ArticlePersonal Consumer Issues • Water Boiler Question
It was in this forum that I learned of the Zojirushi (and Tiger) water boilers. I drink so much tea, I decided to buy one.I've been using my new boiler for a couple days and now the water level is...
View ArticlePersonal Finance (Not Investing) • Question: Best way to gift shares from...
My wife and I have a joint brokerage account and would like to gift some shares to my daughter's TWROS brokerage account with her husband.I wonder if I can just give 4 times * up to 18K, and record...
View ArticlePersonal Investments • Keeping income below IRMAA Cut Offs
I am searching for a DIY Software/Calculator to keep the Roth Conversions for 2024 below the IRMAA thresholds, it is easy to cross the line by a paltry sum & pay a lot in IRMAA penalties. We use...
View ArticleInvesting - Theory, News & General • Leaving Vanguard For Blocking Free...
I'm upset Vanguard prevents its customers from buying Bitcoin ETF's. I've been a Vanguard investor for decades but am moving funds to another broker that allows me to buy what I want with my hard...
View ArticlePersonal Consumer Issues • Any Philips Hue users?
As part of a remodel I’m looking at some lighting. While looking at exterior floodlights, I came across the Philips Hue options. We are most definitely not connected home people. However, the ability...
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