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Just started testing the Wyze Cam Pam V3 and Eufy 4k indoor. cameras. These both take and SD card and have a mobile app to view recorded or live videos. They also have push notification. The clarity on the Eufy is superior to the Wyze as Wyze is HD and Eufy is UHD. Both allow you to speak or...

Thanks for the info, I'm showing a net fee of 0.34% and gross fee of 0.35% https://www.schwabassetmanagement.com/products/swvxx

Thanks for the info, I'm showing a gross fee of 0.34% https://www.schwabassetmanagement.com/products/swvxx

Thanks for the info: SNVXXhas an gross expense ratio of 0.38%,,, seems high to me for a money market fund. Is that yield, 4.11 %, after expenses ? I'll have to check what my Vanguard cash account fee is...

Wow, thanks everyone for all the info. I have her moving money into laddered Treasuries and Agency bonds. Will look into adding a money market or mutual fund. She is withdrawing monthly from the "cash" account for living expenses. Not sure how that effects her if using one of the mutual...

Recently my sister asked for help on her portfolio, she is retiring. I see she has a Schwab money fund that pays a paltry 0.45 percent :eek:. I have Vanguard and their money market account is paying > 4 percent . Does Schwab have another money market fund that pays closer to 4%. Either...

Tbills vs munis Good day to all. I have a question on muni bonds. Using this site for the data: https://personal.vanguard.com/us/FixedIncomeHome there are a number of listed choices for investment. Currently the 1 year Tbill is offered at 4.72%.:dance: Moving down the list of available...

Central California We replaced 3 tub showers over the last few years. I did everything except the tiling for 2 of them. Two of the baths have 72" tall by 3/4" thick glass doors. Had a buddy help put those up. The faucets and shower hardware were over 2K, Kohler brand I believe. Only spent...

I like the way you broke down these categories. I should do the same ...... maybe I'll see how much work that is first though.

Total expenses for "everything" is about 80k in 2021. This includes 11k for travel. :coolsmiley: It does not include the tuition we pay for the grandkids, so I guess not everything :facepalm:. One graduating 2024, one started in 2022 and one expected to start in 2025. Looks like we'll be...

IRMAA for only 2 months? I've been doing some reading and it appears that IRMAA fees are recalculated every year, January 1 believe. So, if I file in Nov 2023 then I pay IRMAA on tax filing from 2021. It seems in January 2024 SSA will recalculate to look at 2022 tax filing. If that's the...

Thanks everyone for your input.:greetings10: This is just another "gotcha" that we didn't plan for. I try to plan a few years ahead to catch things like this. For example, buying a car in the next 3 years, or roof replacement in the next 5 years, fence replacement ... etc. This one just...

Hi folks, Turning 65 next year, 2023, and will be filing for Medicare :dance: .The wife still has a few years before she's eligible. I have a ton of questions on what "plans" to pick but that will be another post. This post/thread is for "Income-related monthly adjustment amounts (IRMAAs)...

"That personally doesn't factor in for me. If T-Bills are defaulted on, then I'm in the basement monitoring my bunker and emergency food supply." lol

Checking today on Vanguard i see some Morgan Stanley CD's, 1 yr @ 4%. However, the 1 yr Tbill is paying 4% and no local or state taxes. My question is why would anyone pick the CD over the Tbill? Seems like a no "brainer" to me but what do I know.

I'm seeing some Morgan Stanley CD's, 1yr being offered at 4%. But why buy these when the 1yr Tbill is 4% and no state or local taxes. I'll stick to the Tbill till things change.

Chase pigeons from nesting under my solar panels every summer. Once I hear the dreaded "cuu cuu cuu.. " sound I start up the drone and run them off. They create quite a mess and once they establish they come back every year with off spring .

Checking the https://www.treasurydirect.gov/instit/instit.htm?upcoming site I found this information. Some questions: how do they know the 9/13/22 4 week and 8 week rates if the auction doesn't settle till 9/15/22. Also in the attached image why the different rates, High Rate and Investment...

Just an update , I was able to get in on the new issue 4 & 8 week Tbills announced 9/13/2022. It was brought to my attention, from a member on the site, that Vanguard Treasury screen defaults to "secondary" market, I needed to click the radio button for "auction" :(. This is currently a...

When you say you bought @ 3.142% at auction does that mean you selected a TBill paying 3.142% @ 26 weeks? I am under the impression that one just puts in an order and you get whatever the auction price turns out to be. I'm new to this so excuse my ignorance.

So... I posted earlier that I picked up some 1 yr Tbills @ 3.1%. Turns out I got a 10 months bill @ 2.6% :ermm: ( I'm still trying to figure out how to calculate all this). That is I got a 1yr note with 10 months left on it. I thought I was buying a 1yr from 8/9/22 to 8/9/23 but I got a 10...

Been a while since I posted anything but I've been reading about T-Bills, Corporate bonds, iBonds and this on the site. Finally took the plunge and picked up ibonds @ 9+% interest for 2022 and bought gift ibonds at the same rate to be delivered in 2023. Had I not read about this technique...

Thank you everyone for your input and comments. I definitely learned some stuff that I will bring to the tax preparer. For the one post asking why I didn't sell the property 11 years ago you may remember that was during the housing crash. We used that as an opportunity to move into a nicer...

Have no problem paying taxes on a profit , if it's fair. In no way do I see this gouging as fair. Besides the obvious act of forcing landlords to carry the burden of "non payment of rent" during the pandemic, there are other little things. One that clearly irked me was the passage of a bill...

Thanks for your input, my response is in this post..... https://www.early-retirement.org/forums/f28/selling-rental-what-taxes-to-expect-110438-2.html#post2648017