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I decided my new M.O. will be buy $2.5k at the end of April (in addition to the $5k with the tax refund) and $7.5k in May to split the difference should the fixed rate component change. I had put in an order after hemming and hawing all month about "now" or "wait?" I think this should simplify...

Wondering if any have used a service like "The Zebra" or, by all means, offer up an alternative way to shop the companies that's worked for you? Got my letter from Kemper that they're getting out of this area so I'm in need to shop policies again...sigh. Thanks!

I was just rethinking the need for a separate "financial-only" device and it occurred to me that perhaps using a separate User profile would suffice. I'm on a Mac. Any thoughts re: if a virus was on a device, would it cripple the whole thing or would it be user-specific? I could easily just...

I was thinking about dedicating one device for all my financial stuff to lessen the chance of a virus on the daily computer messing with me. Just wondering what kind of experience you've had using iPads for the big names: Vanguard, Schwab, Fidelity, e-Trade, etc. Otherwise I'd have to get a...

There's a story I just came across regarding commenting on a proposal to re-instate RMDs on inherited IRAs. Yeah, I know, it's "already been decided," but... https://www.forbes.com/sites/ashleaebeling/2022/03/04/irs-nixes-10-year-stretch-for-most-inherited-iras/ I used the link from that...

I always grab a copy in Nov to run my numbers to see the "window" we have for Roth conversions. I think this one just cost me $2,000 (thankfully not $3,000) since they don't have an update scheduled until after the new year. The main issue is we have a child and qualify for the Child credit...

Curious who actually uses the safe side of your portfolio to rebalance (such as last March or in '08)? I know the research says to do it (feel the fear, but do it anyway to stay "perfectly" allocated), but it seems harder than I'd likely do. I think I'd rather stick to a chunk of change on one...

I'm looking for the most tax efficient way to do the conversion. We did about a 40% conversion in Dec. I’m still filing extensions, so I haven’t completed this as of yet, hoping for some guidance. $600k IRA + $175k 401k containing about $15k after tax contribution and converted $280k in ’19...

What do you folks think about a dollar amount, or perhaps a bucket of 12 years' spending amount, in safe/safer assets vs an allocation percentage? i.e. if you wanted $75k/year, you'd set 12 years aside of $900k (or maybe a round million to offset some inflation) and let the rest in the market...

Study looking into vitamin D helping with recovery rates: https://fox6now.com/2020/05/26/uw-madison-researchers-studying-relationship-between-immune-response-to-covid-19-vitamin-d/ Fingers crossed for anything that helps. Listened to Paula Pants' recovery from Afford Anything. Managed, but...

I'm curious if anyone knows the negative ramifications of opting to take no subsidy during 2020 (although eligible) and claiming every possibly deduction (this and 2020 property taxes, big health care costs plus itemizing the full health care premium), so our MFJ family qualifies for itemizing...

I have closely held stock with a modest basis and would like to sell it to my spouse at my basis so she could put it into her IRA. Anyone ever done/heard of reg's such as this?

As if we don't have enough threads (however I don't want to hijack any, either). Assumptions for my chart: 54 and 52 years old -I've run taxes due for me, MFJ (+one dep.), and forfeiting 7 months of ACA subsidy for this, our first year of FIRE. -After this one year of conversion, no future...