Personal Consumer Issues • Help with washer, dryer, dishwasher that are 25...
I won't go into the inconsequential reason, but my parents have a washer, dryer, and dishwasher that came brand new along with the home they moved into about 25 years ago. They never used any of them,...
View ArticlePersonal Investments • I bond redemption that are gifts to grandchildren
I had purchased I bonds for my 7 grandchildren last October and wanted to redeem them and place the funds in a 529 account for each grandchild. Do I redeem them and transfer the funds to my personal...
View ArticlePersonal Consumer Issues • Punctured tire on Model 3 - WWYD
Situation: 2019 Model 3 AWD Michelin Pilot Sport A/S 4 tires, ~3 yrs / 25k mi 3/32 inside, 4/32 outside tread left all the way around Bay Area, very occasional weekend trips to Tahoe/Yosemite etc.,...
View ArticlePersonal Finance (Not Investing) • Social Security Benefits payment confusion
So my wife started SS in January. She also enrolled in Medicare starting in March when she turns 65. Yesterday, she received her first SSI deposit in her account.Here is what SSA has sent via...
View ArticlePersonal Finance (Not Investing) • Best Health Care Provider in Austin, TX?
I'm considering retiring in Austin. I know the property taxes are going to be higher than what I currently pay in California. For health insurance, I'm not interested in the lowest cost, but rather...
View ArticlePersonal Investments • Changing up 403B fund selection
I am considering changing up my 403B fund allocation. Right now I am 100% in VFFVX (Vanguard Target Retirement 2055 Fund) which has an ER of 0.08. I initially chose it several years ago, out of...
View ArticlePersonal Investments • What’s going on at Vanguard ?
In the past month I have had a bad time dealing with Vanguard phone reps. It has made me wonder if there are not internal problems going on.1. My father in law passed away 9 weeks ago and we started...
View ArticlePersonal Finance (Not Investing) • Income allocation for part-year resident...
I am in the process of preparing my individual tax return, and am facing a situation that I haven't been able to find a consistent answer on. I moved from WA to MT this year and must file a MT return...
View ArticlePersonal Finance (Not Investing) • HR Block 2023: return of PDF printing...
Last year I unexpectedly experienced no drama in printing-to-PDF my 2022 tax return with HRB 2022 (download, federal+state) software on Windows 11, which was a pleasant surprise compared to many other...
View ArticleInvesting - Theory, News & General • Portfolio Visualizer Monte Carlo...
I much prefer the predictive value offered by Portfolio Visualizer Mont Carlo Simulation over FI Calc and other sites, not that I am convinced that you can predict the future by analyzing past trends....
View ArticlePersonal Investments • Help me understand/untangle my parent's variable annuity
I'm going through my parent's finances which were with an advisor who is retiring. Instead of getting handed off to some other advisor I've convinced them to transfer all their accounts (traditional...
View ArticlePersonal Investments • Unemployed most of 2023 - can I still contribute to a...
Hi BHs - I was wondering if I could still max out my Roth IRA for last year even though I didn't have much income last year. I really don't understand what is considered "earned income" from an IRS...
View ArticleInvesting - Theory, News & General • Factor investing (Nisiprius and...
Thought people might enjoy seeing this: UK financial planner James Shack has a video on Factor Investing. In it he quotes...11:29 Nisiprius 11:53 Investorguy1...
View ArticlePersonal Investments • My 403b deposits never posted. What do I do?
I have deposits that were never posted into my 403b account. The missing deposits go back to September 2023. There is a total of 5 missing deposits from September, October, and November. I work for a...
View ArticlePersonal Consumer Issues • vanguard 2 factor authentication problems
not sure if anyone else is experiencing these issues- 2nd time in 3 days the verification code is not being sent to my phone per normal logon procedure, so I have to keep asking for another code.this...
View ArticlePersonal Finance (Not Investing) • another CP214 reminder notice for 5500-EZ
helping DW out- an individual plan with Vanguard opened 2012- no real activity since 2014 so in early 2022 all assets were transferred out- participant (self) notified in writing that close is...
View ArticlePersonal Investments • Help me understand adjusted cost basis of muni-bonds
My 1099 for a munibond fund shows a realized loss of $1700 for two bonds that were called. However, under the values for realized gain or loss is the word "adjusted", and the adjusted values show no...
View ArticlePersonal Finance (Not Investing) • Can a employer-covered 401(k) charge be...
Earlier this year, I saw a small - but mysterious and unexplained - fee taken from my 401(k) account. The 401(k) provider proved to be a dead-end in explaining to me what the charge was for (they...
View ArticlePersonal Investments • Roth to traditional IRA recharacterization - is it not...
So I put in $6500 into my Roth IRA for the 2023 tax year, but I realized that since I moved to Japan, eventually when I retire and distribute the Roth money, Japan will tax it, so I will be getting...
View ArticlePersonal Consumer Issues • Advice/ideas on how to navigate...
This was going to be kinda brief but it evolved! And I know that the subject line is a loaded one, but here's the background:- 54 y.o., married, retired with 21m in total assets (zero debt, the assets...
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