Personal Finance (Not Investing) • Testamentary Trusts and real estate
If it’s jointly owned it belongs to the surviving spouse by operation of law at the first death. There’s nothing that you need to do, nor is there anything you can do. The general rule is that there’s...
View ArticlePersonal Investments • Anyone NOT Roth Converting?
We haven't converted for the following reasons: 1) currently in the 12% bracket with an effective rate under 9% so I just fill out to top of 12% bracket and pay my taxes that way; 2) I've been hearing...
View ArticlePersonal Finance (Not Investing) • Buying land and building a house
Sounds great. Were you planning on being a farmer?We had considered wanting a farm, but didn't want to move out of our current school district. Didn't think we would find a farm that was affordable,...
View ArticlePersonal Finance (Not Investing) • How secure is MS OneDrive
For your sake, I hope none of those 14 characters contain any words or have more than a couple characters in common. FWIW, our PW manager has 480 passwords, most are 15-20 characters and completely...
View ArticlePersonal Finance (Not Investing) • Meta Muse — anyone using for financial needs?
Personally I would put more faith in the collective BH brain trust to answer financial questions than an AI app.Statistics: Posted by AlwaysLearningMore — Tue Sep 22, 2026 8:53 pm — Replies 4 — Views...
View ArticlePersonal Investments • Vanguard Brokerage Purchase of VTSAX with Upcoming...
I purchased $150K of VTSAX in my Taxable Brokerage account today as I forgot that a dividend was scheduled to be distributed next Monday 9/28/2026 with this Friday 9/24/2026 as the record date.After...
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Personal Investments • Roth 457b vs Traditional What Would YOU do and WHY?
I now have the option to contribute to a Roth 457b so I would like some opinions on whether or not I should. I can retire at age 54 with a pension estimated between 35-45k. The funds in the 457b can...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
AM Best announced a three step downgrade of the A-CAP companies, from B to C+, with the companies still on negative outlook. The rationale listed in the press release sounds pretty dire....
View ArticlePersonal Consumer Issues • Optimizing 2-Car Lease Strategy: Low-Mileage...
Why is this even a question?Do what you want / what makes you happy.But I pity your spouse.What are you going to do with your money?If you or your spouse want something, just get it.Don't be foolish...
View ArticlePersonal Finance (Not Investing) • Morgan Stanley CashPlus & Brokerage
Sorry to hear. I’d only consider their self directed brokerage options.Thanks - I was honestly stunned to see the damage they did in just 2 years to my parent's accounts (that were moved there from...
View ArticlePersonal Consumer Issues • Am I crazy to consider buying back this vehicle...
The irs mileage allowance is a whopping 72.5 cents per mile. Do the math. The mileage allowance takes in account wear and tear, maintenance and fuel.Just wanted to point out its 76 cents July-Dec...
View ArticlePersonal Finance (Not Investing) • Change in Fidelity QCD checks
Those that weren't delivered, of course, likely won't be noticed as missing.That's only true if the mailing is not expected. If you expect something and it doesn't arrive you would go looking for it....
View ArticlePersonal Finance (Not Investing) • Taking advantage of "Last Month...
Anyone can use open enrollment. Anyone can use special enrollment. See links above. If your income changes you might have the QLE you're seekingDo see the links as nalor511 suggests and look at the...
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Personal Consumer Issues • Which Paid AI Version Do You Use?
I pay $200/year for Claude. I’m treasurer of an HOA and have to deal with title companies, mortgage lenders and realtors when a property sells. I upload our governing documents and reserve study, then...
View ArticlePersonal Consumer Issues • Car problems. Next step?
Does this issue result in a loss of performance, or mean you can't renew the tags or something? If not, drive on.Statistics: Posted by whodidntante — Mon Sep 21, 2026 8:45 pm — Replies 40 — Views 2044
View ArticlePersonal Consumer Issues • Attorney Consultation - Disappointed, am I Being...
I hired an attorney once. In the free initial consult, I spoke with the attorney, she ballparked a number which was reasonable, and I engaged her firms servicesFast forward several months later, the...
View ArticlePersonal Investments • Sell taxable to "move" funds into Roth 403b...
My question: Is it a good move *for us* to sell taxable in order to help fund HSA, Roth IRA, and Roth 403b this year?Background:- ages 49, 45- MFJ with 1 child- 10% federal bracket for 2026, 12%...
View ArticlePersonal Investments • How can I switch from TSM to SP500 ETFs or MFs?
1) Turn off average cost basis and change it to specID if you haven't already. 2) You are welcome to exchange one fund for another when they are at a loss (tax loss harvesting). Otherwise you will...
View ArticleInvesting - Theory, News & General • TIPS vs Equities: long term...
returns adjusted for inflation for TSM vs US TIPS since 2002 according to Testfolio:https://testfol.io/?s=ae0jUVMKwcfHowever, you might be asking the wrong question. Will you only be withdrawing from...
View ArticlePersonal Finance (Not Investing) • When can wife apply for spousal SS benefits?
So I am curious, what sort of "proof/documentation" did you have to supply wrt your marriage in order for SS to process your spousal benefit? Is mere assertation on your behalf that you are married...
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