Personal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Just to add another data point to the Rewards Status timeline:12/4 : Created a new Merrill card12/5: Initiated the transfer of ~$100k from Vanguard12/11: Money transferred from Vanguard12/14: Received...
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Personal Consumer Issues • What video games are you currently playing?
I bought a new Nintendo Switch to replace a Wii U which I will give to one of my sons. They want to have a console and games so they have something for their nieces and nephews to do when they visit.I...
View ArticlePersonal Investments • Can vanguard force transition to brokerage platform?
I would like to transition, but many of us who work in the industry are prohibited by our employers (e.g. bank that owns its own brokerage) from having brokerage accounts at other firms. (my employer...
View ArticleInvesting - Theory, News & General • Anyone Make a Major Career Change in...
Came to US at age of 36, penniless, no English, no suitable profession for US, had to start life from scratch. Can we consider this career change?Statistics: Posted by Tommy — Thu Dec 14, 2023 2:23 pm...
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US Chapters • Post your Financial Milestone Announcements Here
I’m sure that a number of folks have hit or will be hitting milestones this month! Proud to have hit our goal of $1M in retirement assets this week. In Feb. 2019 our retirement assets totaled $499K...
View ArticleInvesting - Theory, News & General • Taxation of Treasury bills, notes...
My question is, is it proper to put the -$100 adjustment on ty2024 because that's the first year that this tnote will pay me interest, or in ty2023 because I'll still have other Treasury interest to...
View ArticlePersonal Finance (Not Investing) • When Did You Feel Financially Secure and...
Friends and I talk about this. At some point in my life, daily spending decisions that I had paid attention to since childhood stopped mattering. I was just able to live the way I wanted to and swings...
View ArticleInvesting - Theory, News & General • “Fed” up with Bonds? the markets...
Is this post actionable?Statistics: Posted by Cosmo — Thu Dec 14, 2023 2:25 pm — Replies 46 — Views 2705
View ArticlePersonal Consumer Issues • Target gift cards: 10% off on December 2-3, 2023
In for $1000 for $900 as usual, it will get used over the next few months.You can get $500 for $450 per circle account in your family.Not extending to the kids and cats yet..$1000 is good enough. But...
View ArticlePersonal Investments • Rental house what would you do
If you hate being a landlord, there is your answer. Personally I'd sell, even if you could make a case that it gets a slightly higher return versus other more passive forms of income.My guess is the...
View ArticlePersonal Investments • Need advice on $400k inheritance
<cut>Inheritance of approx $400k will enable us to open a taxable account for the first time. No plans for this money in the near future. Using it to boost our retirement savings of which it...
View ArticlePersonal Finance (Not Investing) • What are the best credit cards to use in...
Also do you have any recommendation re: currency exchange and in general how much should we get for use in Spain, Portugal, and Denmark for a couple of weeks? Do most places there take credit cards or...
View ArticlePersonal Investments • Close friend receiving large sum of money
Background : Our best friends own a business. He worked for this small business for 20 years before buying it. The reason he believes it was sold is because they have a 5 year contract that was up...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields are 60 bp...
That 12 month CD at 5.5 is starting to look pretty attractive….Not to me--at least not in taxable. The 12/15/2024 Treasury note yield was 4.86% when I pulled quotes from Fidelity earlier today, which...
View ArticleInvesting - Theory, News & General • Examples of Warning Signs for...
My question is whether or not the increase in the proportion of single family home sales to investors in 2021-2023 is significant enough to have a noticeable impact on the housing market as a whole,...
View ArticlePersonal Consumer Issues • Best tires for Subaru Outback
Just out of curiosity who is driving all those cars all those miles? I admit that for one short period of time I owned 7 cars but adding 70k miles to any one car, let alone a set of tires, hasn't been...
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Personal Consumer Issues • Cheapest phone service in US. Pre-paid?
I have been using Tello for years. I get 1 gb data, 100 minutes talk, unlimited text. It's $6 every 30 days, $7.60 total including taxes. If you renew the plan manually, the data and minutes...
View ArticlePersonal Investments • Checkup & Help with Roth vs Traditional Analysis
I'm trying to determine our Roth vs Traditional strategy for the long term and for 2024-25 before the current tax rates expire. I've been thinking myself in circles and would appreciate some input. We...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
(b) also seems to say gift bonds count twice, both when purchased and delivered. I believe there are 2 different places in the TD faqs that state one or the other.However, there are plenty of reports...
View ArticlePersonal Investments • IRMAA & Roth Conversion
By default, unless filing LCE form SSA-44, the lookback for IRMAA is 2 years ago. The last actual joint fed filing year is 2023; thereafter fed filing is single, so IRMAA in 2025 based on 2023 MAGI...
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