Personal Investments • TIPS or not for a 5 year ladder?
We are newly retired, and in a separate thread (viewtopic.php?t=424119), I had floated the partially formed plan for the fixed income portion of our assets. It included having a ladder (CD, TIPS, or...
View ArticlePersonal Consumer Issues • middle school science books
Hi,I am looking for science workbook that have short answer type questions for middle school. e.g. a science book that may have 10 chapters and each chapter has at least 20 questions and the...
View ArticlePersonal Finance (Not Investing) • ACH pull vs paper check from online bill pay?
Our homeowners' association (HOA) changed the company that processes my monthly dues payments. With the previous agency, my bank's online bill pay would ACH directly to the HOA each month.With the new...
View ArticlePersonal Consumer Issues • HVAC Replacement - Connecticut - Trane + thermo...
Hey there, I have a XE1000 3.5 tons Central A/C with Rheem 140,000 BTUH input oil furnace.They are 27 years old and I am planning to change both (They are working fine but doing the ground work for...
View ArticlePersonal Finance (Not Investing) • Determining the size for a LTC Buffer?
I wanted to see what others think about how to we are planning for the potential need for LTC in retirement. We are both age 63 and healthy this year and plan on retiring in 3-years. We own a...
View ArticlePersonal Investments • Retirement investments
My father is a CPA/ businessman and has handled my investments in the past. It is all in individual stocks. Overall it has been a diverse portfolio (about 30 stocks) with overall decent return....
View ArticlePersonal Finance (Not Investing) • ACA subsidies vs. Roth IRA conversions-...
Is there an available tool that considers ACA subsidies in the context of making Roth IRA conversions (or not)? Looking for guidance around whether it makes sense to adjust/curtail Roth IRA...
View ArticlePersonal Finance (Not Investing) • Handling Potential Job Offer Negotiation
Hi everyone,This is my first real adult job hunt. Had 5 interviews with a tech company (non-FAANG) over the course of a three week period and the last two were held this week. Feedback seems overall...
View ArticlePersonal Investments • [Why keep track of mega backdoor Roth contributions?]
[Split from Subject: Is a mega backdoor worth it for young investor? - moderator ClaycordJCA]Forgive my ignorance- why does one need to keep track of their mega backdoor Roth contributions?Background...
View ArticlePersonal Finance (Not Investing) • Should I be happy paying msrp for a subaru...
Hi,I am in NorCal, considering of purchasing a new Subaru crosstrek sport 2024 (buying new because the price is very closed to the used ones!), pay in cash. First time purchasing a new car and haven't...
View ArticlePersonal Finance (Not Investing) • Twist on HSA Excess Contribution
I was overzealous with an HSA return of excess contributions and now I'm stuck in a pickle. I'm trying to do the correct thing here while avoiding headaches and still report everything on my tax...
View ArticlePersonal Investments • Help me roll my parent's IRAs to Vanguard
My elderly parents have a long-time financial advisor who is retiring and instead of being handed off to some other firm that he recommends my parents have finally asked me to help them roll over...
View ArticleNon-US Investing • 50% VWCE 50% VAGF
I am 65 years old, live in Denmark and have just retired.There is no perfect retirement portfolio, but I think this is very close.50% Vanguard FTSE All-World UCITS ETF - (USD) Accumulating...
View ArticleInvesting - Theory, News & General • Settlement time for stock trades...
I saw a link to this SEC announcement that settlement times for securities transactions are going from T+2 to T+1 by May 28, 2024. https://www.sec.gov/news/press-release/2023-29#This is probably a...
View ArticlePersonal Finance (Not Investing) • Inherited Tax Deferred Annuity
My mother will inherit a Tax Deferred Annuity from my recently deceased father. It was with Mutual of America.The total balance of the annuity is approximately $216K.My father was receiving an annual...
View ArticlePersonal Finance (Not Investing) • H&R Block Software 2023 Deluxe Error...
Filing a return for adult dependent daughter. It is calculating an Earned Income Tax credit incorrectly. She is not eligible for the EIC. I have used this software for decades.Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Traditional to Roth IRA recharacterization...
Hello,My husband and I are married, filing jointly. His employer does not offer a 401(k), so historically we've contributed to a Traditional IRA for him each year. This was the case in September 2022...
View ArticlePersonal Investments • Need retirement advise
HelloLong time lurker and now find myself in a situation that requires the wisdom of this group.I'm sixty-four (will be sixty-give) in August and have been working as a computer engineer for...
View ArticlePersonal Finance (Not Investing) • Warning - TurboTax Form 8283 Issue
For those of you who like to file early like me, make sure to double check your TurboTax Form 8283 before submitting! Some noncash donations are not transferring to the description lines, randomly,...
View ArticlePersonal Consumer Issues • Interested in seeing the best of Redwood country
For many years I've thought of visiting the redwood area of northern California and southern Oregon but didn't want to bore my children on a "tree" expedition. I'm an easterner now living in AZ. My...
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