Personal Finance (Not Investing) • Requesting a credit limit increase
I've opened many credit cards over the years and they have never once asked me for any proof of my income. This applies to multiple different banks. I do have an 800+ credit score though.You can...
View ArticleInvesting - Theory, News & General • Still trying to understand TIPS
I am still trying to understand why so many trust TIPS to protect them against future consumption. The CPIU does not even reflect current individual personal consumption in so many critical...
View ArticlePersonal Consumer Issues • Flea Remedies That Have Worked for You?
Here's a low tech flea trap that is effective if you are patient. Thorough vacuuming is step one. This means getting to all the cracks between the baseboard and the floor, as well as any crevices...
View ArticlePersonal Consumer Issues • Electric mower for mulching
I've been very happy with my Black and Decker corded electric mower, which was still going strong after about 15 years of intensive use (at which point we moved and I no longer need the mower). If all...
View ArticlePersonal Investments • Help with TSP allocations
In terms of the conservative age-in-bonds metric, he is just about right. Many also recommend a higher dose of G over F, which he has. Missing is any international diversification, which he doesn’t...
View ArticleInvesting - Theory, News & General • CD statements and 1099's at banks
I opened up some CD's from Prime Alliance Bank, and First National Bank of America last month. With PL I enabled e-statements which is every 6 months and they have online 1099's, but they still sent...
View ArticlePersonal Investments • I want to pay off car using money from Roth IRA
Piling onto the live with less bandwagon. In your original post you said you would put the money back into the account. I assume you mean over time, but in any case if you can do that then the only...
View ArticlePersonal Investments • From stunned, to appalled and terrorized. [Looking for...
Hello and thank you so much. This has been a really interesting and positive experience for us! It has been very helpful. I (daughter/courtney) have printed all of these replies for my mom. A few...
View ArticlePersonal Finance (Not Investing) • Does your tax preparer provide you with a...
Yes, we receive a summary annually. The first year there was a summary that did not show a comparison between that year and the prior year. But it did show our tax rates and the other typical info you...
View ArticlePersonal Finance (Not Investing) • Timing & type of loan for renovation
If I’m understanding, you have 186k (cash saved plus taxable). I’d convert the taxable to cash now so you can use without risk of loss. With your added rent, it looks like you won’t have much...
View ArticlePersonal Finance (Not Investing) • Not understanding taxes and why I owe money
Do you mean that withholding from your paycheck wasn’t enough to cover your tax liability, so you have an amount due with your tax return; or that your total tax liability is $1100?Statistics: Posted...
View ArticlePersonal Finance (Not Investing) • TRICARE/Medicare
Yes, I agree Medicare A&B and TFL are the ultimate. Only pay Medicare premiums. Express Scripts you get 90 day supply for $13 (in 2024). You should also sign up with the VA. You will get rated on...
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Personal Investments • Starting to get a little queasy with my AA
So, here's my question ... If you add all the above up, my AA is 82% stock / 14% Bonds / 4% Other (mostly cash). According to T. Rowe Price, you are just about in the 15%-35% in bonds for your age...
View ArticlePersonal Investments • Selling underperforming funds for tax loss harvesting
TAN expense ratio of 0.67. Down 55 % ARKK expense ratio of 0.75%. Down 59%ARKG expense ratio of 0.75% . Down 66%QCLN expense ratio of 0.58% . Down 49%PBW expense ratio of 0.66% Down 76%VWIGX expense...
View ArticleInvesting - Theory, News & General • TIAA Traditional rates (historical...
I shredded all my old paper when I retired. So, can't confirm. But, I'm pretty sure there was a time when TIAA Traditional crediting rates were near, or over, 10%! Of course, that was a time when...
View ArticlePersonal Finance (Not Investing) • Free Online Tax Software - If it's free,...
My father just told me he has used OLT, a free online tax preparing site. I had not heard of it before, and when I googled it, I saw the plethora of similar sites and services now available. I have...
View ArticlePersonal Finance (Not Investing) • Over-contribution to Roth IRA in 2021 and...
Hi,I realized (a bit late) that I made an excess contribution of $1450 to my Roth IRA in 2021. I called Vanguard. They said to remove the excess, amend my 2021 taxes with Form 5329 to pay the 6%...
View ArticlePersonal Consumer Issues • car shipping service
I had to ship a car last year for my wife's birthday; it was a surprise gift, a Honda Civic, going from New York to Tennessee. Like you, I was overwhelmed by the options and wary of the mixed reviews...
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Investing - Theory, News & General • What are you up YTD? [Year To Date]
Oh, YTD I'm up 2.67%, no contributions or withdrawals, ~62-64% equity.But what's more significant to me, psychologically, is finally matching and beating my previous weekend balance high of November...
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Personal Investments • Understanding Backdoor Roth IRA
1. Open a traditional IRA and contribute $6,500 for 2023 and $7,000 for 2024 and then immediately convert $13,500 to a Roth IRA? This is the right procedure, but documenting it on your taxes is...
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