Personal Finance (Not Investing) • Buy with cash vs. rent
Thanks for all the advice here.I ended up renting for a few reasons:My California home took longer to sell than I thought it would which imposed some limits on my financial flexibility (and I didn't...
View ArticlePersonal Finance (Not Investing) • CA Sent me Tax Bill on House Sold 2 Years...
Based on the numbers it sounds like the property taxes you were paying were based on a value around a million dollars less than the amount you bought the property for (around 10-12 thousand at a rate...
View ArticlePersonal Finance (Not Investing) • Another landlord or sell question
Update: I ended up selling, though it was far more difficult than I thought it would be. Weird market. Lots of "interest" but needed to lower the price twice until I got an offer, which I...
View ArticlePersonal Investments • Breaking up with my financial advisor pep talk
But there are really good advisors out there. And they can be very beneficial for people who want that "objective" party, or need that sanity check and/or sounding board. However, to truly be...
View ArticlePersonal Investments • Retirement Planning: DIY or Professional Services
I'm helping my father with his retirement planning now. We are speaking with a CFP financial planner at a firm that is charging us a one-time fee to create a plan. It's not cheap, but much less than...
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Investing - Theory, News & General • Preaching to Choir, But Why I Love HSAs
Just to add some balance To be fair; I only had 1 year of a HSA at a single employer.One of my kids needs long term medications that are stupidly expensive at full sticker. My health plan was terrible...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth IRA + possible Inherited...
Inherited IRAs do not affected traditional IRA conversions and doesn't factor into the prorata calculation. If you use a CPA, make sure that you double check the 8608 form next year to make sure it...
View ArticleInvesting - Theory, News & General • Not understanding this FIRE platitude
… and will also receive support from the other party as and when it is needed. These things will naturally change over timeThis part is what I’m seeing as a disconnect - it seems like the comments are...
View ArticlePersonal Consumer Issues • Justifying Tesla Purchase
Most of the time there are comparable, alternative, gas/diesel/hybrid vehicles that will cost less and give a reasonably similar experience.If cost is the primary deciding factor, then don't buy...
View ArticlePersonal Investments • Is moving money within my ROTH a taxable event?
Hi. In my ROTH IRA which I've had for years, is the Total Stock Market Index fund. I'd like to take 6% of that and still keeping it within the ROTH, possibly move it to a 3-7 year Treasury Fund. I am...
View ArticlePersonal Finance (Not Investing) • 2025 Aetna Part D Premium - Massive Increase
This Part D cap seems to work oddly in my opinion. In the instance of those 3 expensive meds, Repatha, Ozempic, and Eliquis as an example, my area shows a premium for the cheapest plan at $1.80, and...
View ArticleInvesting - Theory, News & General • Vanguard statements dropped...
It appears that on Vanguard brokerage account statements, apparently starting with 9/30/2024, the estimated annual income and estimated yield have been dropped. The 7-days SEC yield still shows on the...
View ArticlePersonal Finance (Not Investing) • Holding annuities in a trust
Why does she have a revocable trust? They're not commonly used in Pennsylvania. Probating a Will in Pennsylvania is not difficult, expensive or burdensome.Assuming the annuities have beneficiaries,...
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Personal Investments • Need Help Deciding Whether to Convert 401k to Roth
Hi Everyone,I am working with my wife to roll over her 401K from her previous employer whom she had left almost 6 years ago. She had elected Roth 401K so we initially assumed she would simply open a...
View ArticlePersonal Investments • Managed HSA at .35%??
Why not just deal with the 24 hour approval?You can buy 1 time annually on Jan 1 and be done with it for 364 more daysStatistics: Posted by muffins14 — Thu Oct 03, 2024 9:51 pm — Replies 2 — Views 136
View ArticlePersonal Investments • convert mutual fund to ETF equivalent only at issuing...
Thank you very much mkc!Statistics: Posted by coyote2 — Fri Oct 04, 2024 9:00 pm — Replies 2 — Views 106
View ArticlePersonal Investments • mortgage [Can I take a loan from my retirement accounts?]
thanks all 3 responders. sorry for my late answer(I was out of country, with post-stroke 99 y/o mother)Statistics: Posted by dashrink — Fri Oct 04, 2024 9:00 pm — Replies 4 — Views 593
View ArticlePersonal Finance (Not Investing) • “55 Rule” - what if company is bought out...
[Topic is now in Personal Finance (Not Investing) - mod mkc]I’m planning on pulling the plug at 55.Everything’s great, financials are all in check, zero debt, mortgage is paid off and we have 2X what...
View ArticlePersonal Consumer Issues • Fidelity Login Problem [Not receiving 2-Factor...
Is the 2fa to Google voice sometimes there are problems to voip numbers.There may be problems at the other end. Over the weekend, we tried to logged into TIAA but wouldn’t send out a 2fa to an app or...
View ArticlePersonal Finance (Not Investing) • Bank balance Vs. Brokerage balance -...
Do the FAFSA and the other form which asks for more information.On college applications/common app do check off that you are requesting aid, no matter what. Something over 25% of applicants don't do...
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