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I'm so frustrated with Vanguard these days. Might be the end of the road for me. I opened my Vanguard accounts (brokerage and IRA) 10+ years ago. Transfer of assets into Vanguard was super easy. And I let them sit there relatively untouched ever since. All good. Fast forward to this year. I...

I have to make a decision on Friday for my pension benefit. I have two choices: Lump sum: $852K Single life annuity: $3,797/month ($45.6K/annual) Immediateannuities.com estimates a $3,385/month payout for that lump sum, which indicates that the annuity is a better choice, financially. I'm...

My BS bucket overfloweth. It's been bubbling at the surface for a while, but now with my long-time boss retiring in April and my job being "reimagined" to work that I have no interest in doing, I think it's time. Would appreciate the collective wisdom (such as it is) of this crowd: Me: single...

Today's Free Friday ebook for Nook users. No idea if it has any merit, but it's free and I'll need a lot of books to entertain me over the holidays! Free Fridays 12/18: “Uncharted” December 18, 2015: Today’s Free Fridays eBook selection is Andrew Packer’s guide to high finance and...

I was reading with interest another post about an employee stock purcahse plan, and it spurred me to reach out with a question I’ve had for a while about my own ESPP, but have been putting off dealing with. Program: We can invest 1-15% of income. Contributions are deducted from payroll...

Can the black eye get any bigger? Minn. stops accepting TurboTax due to possible fraud

I have about $100,000 in an employee stock purchase plan, built up over almost 12 years. I’ve never sold any of it, just let it be, reinvesting dividends, appreciating and compounding. As I understand it, the difference between Fair Market Value and Share Price (15% discount) is taxed as...

Hello to all the ER-enthusiasts out there. I just found this place a few weeks ago and have been avidly reading as much as I can ingest. Thought I might as well bite the bullet and introduce myself. I’m a single 51-year-old woman (no kids), living in the Chicago area. I’ve been with my...