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I created a TD account about 3 weeks ago so I could electronically register a bunch of old (2001-2003) paper I bonds I had electronically. After setting things up and figuring how to do things, I printed out a "Manifest" for two of the $5K bonds and sent them off to Minneapolis certified mail...

I have some questions/comments directly related to an approx. 18 month old thread. I was wondering if I should bump it, or just start a new one with link to the old thread. The specific thread I am referring to is...

I was wondering if I am the only one here that is something of a couch potato when it comes to yearly budgeting and expense tracking (i.e. no Quicken just a simple spreadsheet). Here’s what I have been doing on a spreadsheet that I update, usually quarterly since I quit w**k : 1. At the...

While doing my 2016 tax returns. I noticed 2 minor ($ wise anyway, details below) errors on my 2015 tax returns e-filed almost a year ago. :facepalm: I just finished generating the amended returns on 2015 TT that corrected these 2 errors. I haven’t printed them out or mailed them yet...

I’m divorced with 2 kids that are now in their 20’s, out of college, and are finally self supporting through their own contributions (employment). My oldest (DS) is getting married this Fall and I have no idea how much cash I should give the happy couple as a wedding gift. So I would...

I am currently planning on selling my house this summer and expect to net ~$380K. Based on my (and fiancée’s current plan (marriage date TBD based on when it makes sense to do so) we will not be buying another home for 3 to 5 years (renting). Ignoring all the tax ramifications of not...

My DD just graduated college (Dec) and started working for a large, reasonably financially stable county that has a 401(a) retirement plan. She has 2 options as shown below and 28 days left to make her decision. Once the decision is made it CAN NOT be changed during her employment. There is...

I just completed the process of obtaining my free Vanguard financial plan and phone consultation and was curious what others who may have gone through this process thought about it and what (if anything) they used it for. Below is my assessment summary and action I am taking. 1. (+) I knew...

After 2013 being a banner year for equities (20+ % in my case) I am now at roughly at 63%/37% equities/bonds (~5% cash not included). Since my planned and actual AA a year ago was a 55-60%/45-40% range, I am wondering if it is time to do a 6 percent (or so) re-balance or just let it be. (Age...

I just received my retirement healthcare renewal material. I retired almost almost 3 years ago at age 55 so now at 58. I have always selected the PPO option vs. the CDHP option and have no complaints The past 3 years I opted out of the prescription coverage since it seemed way too expensive...

I just turned 58 (ER’ed Jan 2011) and have been basically in couch potato mode (“set it, quick weekly check it, but not obsesses over it”) when it comes to my 401K and Traditional IRA (Current total about $500K). I do not foresee starting to withdraw from these funds for at least 4 years. I...

I am looking for some advice on the best way to sell off my toy train collection (the trade off is effort and gross “profit” – e.g. I’d sacrifice $$’s within reason to selling have to make many ebay or craigslist sales). I used the search engine forum some but couldn’t find what I was really...

I am looking for advice on the best way to take advantage of the 15% tax bracket that I will be in for 2012 (and probably 2013). Background – Single head of household, DD (turns 23 soon) in college FT, should complete Fall 2013. I have about $13K in “headroom” before moving the 25/28% for 2012...

I was curious as to what people are doing investment wise given the upcoming election. I am basically sitting tight on current AA other than a few minor tweaks. Does it really matter who wins the presidential election as far as AA and future drawdown strategies go? What about if the Dems...

I currently have about $68K (not Part of a 401K or IRA). Bought summer of 2006 (paid 3.5% front end load because I had bought $100K, but have sold some off since, but not recently) that have had only a 1.5% return since 1/1/11 (total worth was about $67K then). All dividends and capital gains...

I currently have 128 quarters after retiring at age 55 (I spent my younger years working for the Fed. Govt.). My salary for the last 15 years or so was well above whatever the dollar figure was when SS deductions from paychecks stop. I know that 140 quarters is some sort of magical number SSA...