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For the first time (that I remember) I received a dividend on 15 January 2024 even though I received the normal dividend on 29 December 2023. Found money? Today I got my last 1099 from Fidelity and they show that $227 paid on 15 January 2024 on my 2023 1099; anyone know why? thanks, Marc

About six months ago we let go of our $40+ a month pest control company and I have been using Ortho Home Defense ever since; spray about once every three months. Tonight I found a German Cockroach in the bathroom. House is very clean so I don't know if I have (the beginnings of) an infestation...

A few years ago my step-father transferred the second key for his safe deposit box from my step-sister to me; he invited me to use the box for our documents. For a few years we kept our documents in the same deposit box but moved everything to a safe a year ago. Now, he is dead. Do I stay...

A bit of a conundrum and I would love input from others to help me figure this out. Retired in 2017 and we are both on Medicare this year. Had to pay IRMAA based on 2021 income but arranged to keep income low enough to avoid IRMAA for next year. We have some very high expenses in 2023 and...

Wife started SS in April; first payment in May. Will 1099 show eight months of payment (actually received) or nine months? thanks, Marc

When I learned my finance, "ladders" of CDs, treasuries, and/or bonds was defined as: Initially starting with multiple rungs (e.g., 13, 26, 39, and 52 weeks or 1, 2, 3, 4, and 5 years) of your preferred investment vehicle. Then, as each matured, you would purchase investment of the longest...

I have a 13 year old car that I love. Only repairs I have had have been to the power window mechanism on three windows. Today, the driver side window failed again and one of the plastic parts also failed and manufacturer says the part is no longer made. So, unless I can find a used part (I...

I was sloppy doing my taxes and didn't double check my estimated tax payments. I had decreased after 4/15/22 payment forgetting that I had paid more for that one payment. So, IRS, being smarter than me, has added that $1,000 to my refund. Do I need to file an amended return or is the IRS...

I am "sure" that this question has been asked and answered before but my poor search abilities on this site didn't find me an answer. My wife turns 65 later this year and will start both medicare and social security. I am waiting until 70 to collect SS. In a couple of years inflation might...

I am sitting on around $1.5M in FTBFX; around 40% of my portfolio. With talk of further Fed rate cuts of possibly 0.75% the funds will continue to do well; however, what goes up must come down. I am not a market timer but can see that in the long term I am going to suffer capital loss on this...

With the turmoil generated by the Corona Virus outbreak in China, will the Fed lower rates this week? I can think of two reasons; one is the impact on global growth from the fallout from the virus and the second is the "flight to safety" potential for flipping the yield curve in the US. Any...

I retired in late 2017 at 60. Deferring SS until I turn 70; therefore, withdrawing funds from 403(b) and rollover IRA until then. I have selected withdrawal rate of 5% as safe given the PV of SS. So, given the drop in market in December of last year I set this years allowed withdrawals as 5%...

As market has been increasing this year, I have been selling stock funds in $20K increments to build up cash position. So far, I have in cash all monies required for 2019 and enough to get me through June 2020; so, current turmoil does not bother me. Now, I am looking at my bond funds. FCBFX...

Easy question I hope: This is first year with estimated taxes. I set aside part of last year's refund for 15 April estimated payment. I have established an account with EFTPS to "pay" my estimated taxes. When I went in today and set up payments for 6/15, 9/15, and 1/15/20 payments, I...

I have had free accounts at Experian and Credit Karma for about a year. Now that all expenses with moving and selling old home are paid, and house is mortgage free and I have a HELOC that has been paid down to a zero balance, I am wondering about freezing or locking both my and my wife's...

This is a strange question for this forum; however, I feel some of you might have had the same experience so you could have recommendations or at least lead me in the right direction. A few years back we bought my mother and step-father's house and they kept the paper. Now, we are ready to pay...

Been investing for 40 years and fine tuned my FIRE planning over the five years before retirement last year but, just this morning, I realized I might have missed something really valuable. I have been fine tuning taxable income this year to take advantage of zero percent capital gains on...

When I met with my Fidelity rep last week, I mentioned that I was looking at starting a CD ladder next year. He said I should look at deferred fixed annuities as a possible replacement for a CD ladder. I know the general dislike of annuities here; however, can someone explain why a deferred...

About a decade ago I funded a non-deductible IRA for two years with $12K of after-tax funds. (I carefully have not set up any other IRAs except a Roth IRA.) I totally emptied that account this year, my first year of retirement. I have also begun distributions from my 403(b) account (all...

We bought our retirement home last year; about 2.5 years prior to actually retiring. I was lucky and had it rented before we even closed on house. When I did my return this year I was surprised to find out I couldn't deduct any of the loss due to limitations on passive loss. Wasn't a big deal...

We are going to buy our retirement home from my folks who are moving to independent living. Alas, I am still two or so years from retirement. The new home is in a different state so we can't actually move in. We are planning on renting it out. My questions deal with financing. Will the loan...

Hard to convince my wife that it is "safe" to be investing for retirement when she sees articles like this: The Bearish Call to End All Bearish Calls - MoneyBeat - WSJ I am not familiar with this analyst. I also don't believe there has been enough historical data (even going back to tulip...

After the dot com bust when NASDAQ dropped from 5048 down to around 1100, there were a lot of pundits who said that NASDAQ 5048 would never be seen again. Now, we are well within reach of 5049; in fact, I think we could reach it by end of 2014. Any prognostications on NASDAQ 5049? Marc