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True too!

True only in those states with no state income tax.

Exactly! Those folks would rather have a 5 year CD yielding 4.6% for 5 years, then have a 1 year CD yielding 5.15% for one year and then nothing near 5% or even 4.6 % to reinvest in a year down the road.

We have been especially alert to CD rates with 5 year maturities of late as we have a CD maturing this month in our 5 year ladder. As far as I can see the highest non callable rate I can find at Fidelity for new issues is 4.35%. For secondary market non callable I'm seeing 4.46%. For direct...

Both DH and I receive our SS checks on the second Wednesday of the month. Our bank annoyingly pings us with the deposit notification on our cell phones in the middle of the night. Last night it was at 3:30 AM.

Our milestones were achieved in 2001 2006 2012 2017 2020 2021 It took 30 years after graduating from college in 1971 to hit the double comma club.

We didn't have to pay it back. Effectively our real estate taxes were frozen for one year (this year). Starting this fall our taxes pop back up with two years worth of tax increases occurring immediately. The reversed law was so crazy that you could remodel/add-on/expand your home and there...

Just an anecdote on a similar law passed in my State two years ago(ME). Once the law became effective and folks realized there was no earnings test and thus a windfall for high net worth individuals and towns realized the amount of revenue they would lose over time, causing growing budget...

CalifGirl; you are bare bones on your budget. The only real place for you to cut is giving, which I suspect would be a hard No for you. As Athena mentioned, you don't seem to have a fund for unusual expenses which happen with great regularity to most people. Your savings of $150,000 is...

Yes, I created a spreadsheet showing the accrued interest reported by Fido on the 2022 1099 return and whether it applied to 2022 or 2023. My accountant used this spreadsheet to correctly apply the accrued interest. A large portion of the accrued interest actually applied to 2023 earnings and...

I'm a little confused on the accrued interest issue. It's my understanding and experience with Fidelity that they report accrued interest as a separate line item on their 1099. They report it in the year that the purchase is made, which raises another issue if your next interest payment on the...

If you don't mind sharing, are the amounts that you are able to buy in amounts that make it worth it? I have seen some juicy rates on brokered Fidelity CD's but only in very limited quantities. My search criteria are similar to yours; Looking for replacements of maturing CD's in the 5% range...

The math certainly makes sense. What brokerage firm are you using to purchase these secondary market CD's?

1/31/24. Up .66%.

I had pain running down the outside of my right leg only at night after several hours of sleep. It didn't matter if I slept on my left side, right side or back. No pain during the day. My Dr. referred me to a PT in early December. It seemed obvious that the source of the problem was lower...

Our WR for 2023 was 1.5% Calculated as (total spending less (SS, pensions + disability)) divided by total investments as of 12/31/2022. This was our highest spending year since we retired. Big lumpies last year including a wedding + a 529 contribution for GC # 1 + a major home improvement...

+++1. Without long term care insurance your nest egg would be vulnerable to major erosion later in your retirement. Let it ride (increase overtime) and revisit the question in a decade.

Thank you GM. This is wonderful. Mom had Alzheimers. I would have given anything for a moment like that. I used photo albums to jog her memory. That worked for a while.

I haven't gone through an auto roll yet, but anticipate doing so on a monthly basis starting in January. I noticed that the auction dates for 2024 (for the 52 week autoroll) that I bought back in early 2023 are uniformly a couple of days before the maturing date of the existing issue I own. I...

I bought it on Newegg, this morning. Deluxe + 1 state. Price was $49.99 less $25 instant coupon. Downloaded and activated within a couple of minutes.

We ported our landline number of 40 years to Magic Jack about 3 years ago. Annual cost $43.

Thanks Dtail

Thanks Audrey. Rickt; Your attempted buy today mimics what I am planning to do. Would you post the results when you determine if the order went through? Thanks.

Auction Cutoff time Can anyone tell me, what the cutoff time is to enter a buy order, on the day that a 52 week Treasury goes to auction on Fido? I have a Treasury that comes due 10/31/23, the proceeds of which will be available to trade that morning, or perhaps 12:01 AM on that day. I want...