Personal Finance (Not Investing) • Re: [Split from "Fidelity as a one...
Seems that a way to avoid the three main issues would be:1. No paper check deposits directly to Fidelity.2. No paper checks drawn on the Fidelity account.3. No ACH pull transactions originated at...
View ArticlePersonal Consumer Issues • Re: Heat Pump for 1838 Farm House?
Also the life expectancy of new heat pumps is only 7-10 years. Unless you really don't want to be burning propane I doubt switching to HP would make financial sense.I wonder why Mitsubishi has a...
View ArticlePersonal Finance (Not Investing) • Re: FedNow Send
I’m able to find a list of banks and credit unions that are participating in Fednow at https://www.frbservices.org/financial-s ... anizationsDoes anyone know how to find a list of those who offer...
View ArticlePersonal Finance (Not Investing) • Re: Joint credit card with DW a neccesity?
Wow. Talk about a blind spot.So we've been married 25+ years and every credit card has always been in my issued to me with her as an authorized user, except our present card which is joint, as I just...
View ArticlePersonal Consumer Issues • Re: Wikipedia... or what? How to look things up?
I'll assume OP refers to general queries, not related to professional needs or when a specialty-focused source is needed. If getting a wrong answer to a question isn't consequential (What country has...
View ArticleInvesting - Theory, News & General • Re: US Treasury Taxation Question
Depending on whether this list in the wiki is up to date (https://www.bogleheads.org/wiki/State_income_taxes) capital gains on Treasury bonds might not be taxable in: Maryland, Michigan, New Jersey,...
View ArticlePersonal Investments • Re: 1099-Q for roth conversion
I have a question on a twist of this scenario. I did the 529 to Roth rollover for the beneficiary of the 529 in 2024. A 1099-Q was issued for 2024. However, I had to mail a paper form, and it arrived...
View ArticlePersonal Finance (Not Investing) • Re: Advice needed on getting reimbursed...
Very helpful feedback on the replies, keep them coming!I have boat insurance that includes trailer, apparently boat/trailer damage would fall under my auto since it was connected to truck at impact....
View ArticlePersonal Finance (Not Investing) • Re: H&R BLOCK IRA Tax Penalty
Does the software know the amount of your RMD?Yes - it asks what your RMD was; it asks how much was withdrawn. And yet, even if everything checks out, it still goes down the path of asking additional...
View ArticlePersonal Investments • Re: $10 MM Net worth..need advise on growing to $20 MM
Seeking advise on how to grow this to $ 20 MM (in todays dollars) in 20-25 year timeframe..desire to leave this as legacy for progeny. Hold~ $7 MM in invested/investable assets and ~$ 3 MM in fixed...
View ArticlePersonal Consumer Issues • Re: New 2025 Tesla Model Y
I have a 24 Model Y and my only very minor complaint is the ride can be a bit rough. Otherwise the car has been great. Is your 24 Model Y the performance model? I've heard the performance can be rough...
View ArticlePersonal Finance (Not Investing) • Re: What would you do if this were your...
Somewhat similar situation. Not my highest earning year but in very well paying job which will be impossible to replace once the gig ends. Early 50s as well. I just bought yesterday a very nice car....
View ArticleInvesting - Theory, News & General • Re: Rate of change in AI [DeepSeek...
There are two DeepSeeks: the source code published on GitHub and the publicly accessible interface. The first you can study and get comfortable with. The second is essentially as secure as any posting...
View ArticlePersonal Investments • Re: managing a treasury direct account
Old thread. Just posting some info in case anyone is having trouble getting their OTP. I was having trouble with that, multiple attempts with no OTP received. Then I spotted a message on the Treasury...
View ArticlePersonal Investments • Re: Taxable brokerage better than Roth and Traditional?
I am very pleased that we have saved in taxable for 30 years. The flexibility it will provide in our early (ish) retirement years is going to be awesome. The $2,000 IRA limit when I started wasn’t...
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Personal Finance (Not Investing) • Re: Move VG Roth to Fidelity for ZERO fund?
Nope. https://stockanalysis.com/etf/vti/dividend/ , 1.23%https://stockanalysis.com/quote/mutf/VTSAX/dividend/ , 1.22%https://stockanalysis.com/quote/mutf/FZROX/dividend/ , 1.12%Not sure what your...
View ArticlePersonal Investments • Re: I'm thinking of self managing, but I have a lot of...
Thanks for re-posting with the form.Some initial comments / questions:Emergency Funds: How many months of expenses will 20K take you? I would not have any less than 3 mos. and preferably 6 mos. to...
View ArticleInvesting - Theory, News & General • Re: Total Portfolio Allocation and...
what about if I do Roth conversions? I'm hoping to not include the extra income taxes used to do Roth conversions in the annual spending level as recommended by TPAW. I look at the extra income taxes...
View ArticlePersonal Consumer Issues • Re: Samsung 43" QN90D mini LED as a computer...
I've been using 40 to 43 inch 4K TVs as a computer monitor for at least 10 years. Works perfect for me.Statistics: Posted by mjg — Sun Feb 02, 2025 8:22 pm
View ArticlePersonal Finance (Not Investing) • Re: House is getting pretty worn,...
We bought new in 2000 and extensively remodeled ourselves from 2018-2020.We tried to hire an integrated General, but they clearly were looking for spendthrifts who would not complain about shoddy work...
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