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Amazing. It took 16 weeks when I converted paper bonds from our tax return last year. Not that they can be sold in their first 12 months anyway, so it didn't really matter. We are also building a stash of higher fixed-rate i bonds for the long term. 1.2% fixed is our previous highest rate. If...

What jumped out for me was two mentions of mutual funds with 5.75% front-end loads.

Thank you for doing this. The Canaries is a group of islands that I'm curious about. My brother and his wife are frequent visitors.

The QCD limit goes up to $105k for 2024. The first increase since 2006 when they were created.

Well, yes! :dance: that too :laugh:

I absolutely can do that. And may do if I can't find a cheap short-term policy to cover the gap. I guess I'm champing at the bit to get away from full-price ACA. I just horrified myself when I looked up to see how much we've paid for healthcare since we retired in 2005. It's $398k, that's an...

...but what HI to choose for the first two months of 2024? I see my options as: 1 Carry on with my ACA HDHP HSA-eligible plan, sock away a few more dollars in the HSA. Cost $1700 for two months. No subsidy. 2 Go without HI for two months - I don't think that's wise. Bankruptcy insurance...

I have considered this for some of our IRAs but decided that it's too final. Donating the RMD each year with QCDs is a decision that can be made each and every year. The current plan is that a substantial amount will be QCDs but if circumstances change that can be reconsidered.

I'm not quite following here. I see what you're doing to protect your wife from the increased taxation from RMDs after your death when she's filing as single. Upon your death and inheriting your IRA, your wife could either: - keep the IRA in your name and keep taking RMDs on your schedule, and...

I flogged my way all through this video (full of ads, by the way:facepalm:) to the end. Ramit Sethi has a blog, My Rich Life, which is also a book. Plus, he has a short series on Netflix called 'How to Get Rich'. Despite the fact that I should find him obnoxious I like the guy. He's trying to...

my bold Karen, I'm not sure I'm following what you mean here. Is your partner more than 10 years younger than you? If they're not then the rule forcing them to empty out your IRA within 10 years doesn't apply to them. "Eligible Designated Beneficiaries – a group that includes surviving...

Collagen peptide powder in my coffee every morning. I stopped when I finished a big tub a few months ago and within three weeks I noticed the difference in my knee joints. I use the Orgain or the Vital brands usually, whatever Costco has on offer.

Re BRK :) Us too, I was thinking here about the fixed-income side of our assets. Harry Sit has the best, detailed explanation of using I Bonds for education tax-free. Grandparents have to jump through a few more hoops as presumably their grandchildren aren't their tax dependents. It can be...

https://www.treasurydirect.gov/research-center/history-of-savings-bond/comparing-tips-to-i/ This is the Treasury Direct (TD) comparison between TIPS and I Bonds. They are quite different animals. I'll explain our rationale for holding onto I Bonds - it seems that after being 'flavor of the...

https://opensocialsecurity.com/ This is the link to the site reference above.

They say it takes 13 weeks, so I wouldn't worry yet. As to the 'not being able to get your money out quickly', you do realize that I bonds are not redeemable under 12 months? Except in exceptional circumstances.

Greenworks Ride On from Costco https://www.costco.com/greenworks-80v-42%22-riding-lawn-tractor-with-12-4ah-batteries-and-3-dual-port-rapid-chargers.product.100850666.html DH got this lawn tractor from Costco about 6 weeks ago. We don't have much lawn so that is not its main use for us. He's...

I couldn't agree more! We are so disappointed with the second season of Hope Street. Hopeless soap territory (forgive the pun). We've given up half way through, it was so painful. There was promise to the first season - good character development, believable story lines and gorgeous scenery. Sad

Thanks Alan, I saw on the tfl website that US Amex is (technically) accepted but the website saying it and it actually working. I wondered.

Has anyone used their US Amex card to tap in and out on the tube in London? This will be my first time on the tube in a few years, not been since the Oyster card days. The last time I was in the UK I had a credit card unexpectedly declined at a gas pump. I'm just fretting that I may have...

We tried Three Pines and, even though I love Alfred Molina, there was something about the writing and the other actors that had us switching off after 15 minutes. Does anyone else recommend Three Pines? Maybe I'll give it another go. We've just watched 3 seasons of The Tunnel - the first two...

Yes, I've had exactly the same and it's very unnerving. As it wasn't simple to pay the first 2023 premium online I thought I would wait for the new insurance company to contact me - like it says they will. But, 3 weeks after signing up I had still heard nothing. So, I thought I had better call...

The situation is Europe dire, my personal experience is with the UK as my mother lives there. Her gas and electricity bills have gone up from GBP56/month in March 2022 when her fixed-term contract ended to GBP140/month now - plus they're going to increase even more soon. This is for a tiny 600...

Thanks to you both for your experience. It seems as if it doesn't take too long for the bonds to come through. I'm usually in a position to file by early March and that would be soon enough to get the current fixed rate. euro, I agree that it seems very convoluted and inefficient to be sending...

Good thinking, I was wondering about that. This would be my first time getting I Bonds through our tax return. As the fixed rate might change again next May, how certain can you be that bonds are issued in April? I guess what I'm asking is, with an electronically submitted tax return how...