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Afternoon. I am a retired federal Dept of Army civilian since 2014. As I approach age 65, I will need to switch to Medicare as my primary insurance and then use one of our retirement plans as secondary insurance. I received a Medicare Card in the mail, it said to start 1 March 2023. My...

Morning. We would like to set up contributions to our favorite charities to continue after we pass on. We have most of our investments (IRAs, investments) at Vanguard. Has anyone set up a continuing charity contribution fund with Vanguard and if so, how best to do it. Thanks

Morning All - We are in the process of updating our wills. Basically we are pretty simple couple - 401ks, traditional and Roth IRAs, own home, no debt (maybe a car loan in the future). To save money looking to use Legalzoom.com. From what I can see for basic wills it is ok. One question I...

I'm all for simplifying our finances. If I could I would put all credit cards and Verizon and Medicare on auto payments. DW does all the bill paying and is leery, loss of control she says. From what I see you have control by way of email notification of upcoming debits or charges. Was wondering...

Morning We would like to help our children get into a house of their own. They both have good jobs and are saving up. We are retired with what I believe is available 401k funds that could be used to help them get into a home. Right now this 401k money is about 30/70 so I know that Bonds/Cash...

Afternoon. Like to give advise to my two kids who while making a good income, their job positions do not offer 401k plans. Are there alternatives for tax deferred saving for retirement? I'm starting to investigate annuities but fearful of high fees. Any other strategies? Thanks.

Good Morning All. With this lockdown I have been enjoying grilling on a Craigslist procured 3 burner Weber (great deal, elbow grease and a few parts). Been enjoying the grill but lacks for doing a long slow smoke. Looking for an electric smoker, something that can fit on my patio, work all...

Morning All. We have a CD coming due in a few days at Ally's. Usually they have very good rates but looked around in BankRate and found some alternatives. Came across UFB Direct, 1.61% for MMA. A MMA is ok for us cause with want to have some more liquidity if needed, vice locking up in a 1...

Was hoping to find someone on here who has made a withdrawal from their TSP. I am planning to do a Roth conversion from my TSP. From what I read and downloaded required forms, you have to withdraw from TSP, then send to your traditional IRA (at Vanguard for us) and then do a Roth Conversion...

Afternoon. Question geared to the older folks on here. We have been having trouble with Bank of America online pay for Medicare premiums. We have learned that, for whatever reason, BoA does not do an electronic transaction anymore with CMS but rather goes to a third party to snail mail a...

Bank of America will STEAL your money. BEWARE!! Due to errors in checking the identify of a customer, BoA gave thousands of dollars from our checking account to a person in a state 800 miles away. They have yet to credit our account and after 3 months still have not approved our claim. It is...

Morning - appreciate your ideas as this past few days have been "interested" Background. All started got a text msg alert from BoA on low cash reserve. Alerts set up before. Didn't understand why. Seems that someone walked into a BoA South Carolina bank and withdrew $5200 from our checking...

As I am getting more into retirement activities, golf seems to be a possibility. Looking for a sport that can do for a number of years, like the idea of doing lots of walking, getting sunshine, good socialization. So as a beginner I am hoping there are golf clubs that help a newbie. Clubs...

Afternoon. I would like to place some wireless outdoor intruder sensors around parts of our house. I would like the sensor to be able to detect intruders and then connect to my iPhone. My iphone can then alert me and also turn on lights via an Alexa controlled light. I have not been able to...

Running an i5 lenovo, SSD, 4 GB. Overall pleased but for the third time I am losing a laptop cause of display hinge and case fracturing. I lost two HPs same way and swore no more HPs. An older Lenovo worked well and is still working (about 8 yrs old) but my everyday Lenovo about 3 yrs old...

Morning All - Got an email that said it's time to renew our electricity supplier. Ok - well I am trying to be more environmentally conscious. Surprisingly, when I looked at our current supplier cost of Constellation vs AEP (potential supplier) the AEP cost for 100% renewable was better...

Hello All Attended mtg and topic was Roth Conversion. The argument that taxes will have to go up cause of the ever increasing deficit makes sense to me. If that's true, doing Roth conversion for our TSP and regular IRAs seems to make sense. A little painful but makes sense Am I missing...

Morning. The new bill that has bipartisan support and raises RMD to age 72 also has language to end the stretch IRA above $400k. I was hoping to use this to move Roth IRA money to the next generation. The change to now it would be a lump sum with significant tax implication and no longer tax...

Morning. Was wondering if there are any TSP'ers out there. Wondering what they are doing with their assets. I would like to not touch till RMD. Can I take out just my RMD for that year? Know withdrawal options are changing. Will you be rolling over TSP to an IRA so you can ensure a stretch...

Morning. I am starting to fine tune our financial strategy. We have been blessed with good pensions/health insurance so with that and SS, we are covered. :) Our next focus is how best to help our children - i.e., best strategy for inheriting wealth. All kids have maxed out their Roth IRAs...

Evening All - Our Nutribullet died today. It served us pretty well although never fully happy with quality (i.e., smoothness) of smoothies. Looking for quality blender - makes smooth smoothies, durable, easy to clean. Like green smoothies and has worked well with spinach, but like to try...

Morning. I am just beginning my career in Information Systems. Right now I need to figure out where I want to go over the next 30 years and how to do it. On the job training, certifications,advance degree, programming languages,... Would appreciate those in the Information Systems field, what...

Morning All - It's looking like our son will be starting a new job as a contractor. Without the health benefits and retirement benefits, his salary is substantially greater than his previous employment. He is ok with the health benefit part due to being on his spouse's health plan. But I...

Hello - we are starting to kick in our travel plans in retirement, dreaming of 2 or 3 week cruises and car trips around the US. Problem that's limiting us is our doggy. Really wasn't an issue a decade ago when inlaws took her in but now that is not an option. I really don't want to board...

I thought I knew how interest was taxed. Well almost .... Thirty plus years ago my FIL bought Savings Bonds for his newborn grandkids. The bonds are in the grandkid name and my wife as co-owner. We cashed them last year. The 1099 Interest went to us, the funds went to the grandkids. We are...