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DD is moving from Washington state to Oregon for graduate school. I've never had to deal with moving states - or state income taxes - and I'm wondering what's the best approach? She'll be an employee of the university while working towards her doctorate. We don't know where she'll end up, but...

I’m sharing this in case others are interested. There’s been a few threads discussing TIPS lately. I’m using TIPS for all FI in my AA, to deal with SORR and as insurance against inflation. I’ve been wanting to model an AA to see what the data says, in case I’m fooling myself in thinking this is...

I know there are some members that use a Yubikey and possibly with Vanguard. I haven't seen this mentioned here, so I figured it's worth sharing. I experienced this myself and there's a long thread on Bogleheads where it's discussed. I recently decided to up my security and ordered a couple of...

Bill Bernstein has a second edition of The Four Pillars of Investing out later this month. The Kindle version will be available July 25th. I'll read the newer version of the book. I'm curious to see how he's integrated the last 10+ years of market activity into this version. Hopefully the...

https://www.macrumors.com/2023/06/05/apple-reveals-vision-pro-headset/ The approach is interesting, where it's a combo of AR and VR. It could be cool experience, especially if it's not (too) pixelated. It'll be interesting to read the reviews. I suspect it won't be cheap.

I've used TurboTax for years and have never had to create an account with Intuit. I was helping DS with his taxes and we wanted to import from Fidelity, at which point we were prompted to create an account with Intuit for "security reasons." DS took a hard pass and painstakingly entered all of...

Five years to go! That will be shortly after my 20 year anniversary on ER.org. It's a tentative year at this point, but everything looks good right now. The important part is I turn 55 in 2028 and will have access to my 401k. Assuming that all goes to plan. Five years is still far away and...

This has been covered in other threads here, but I thought it might be beneficial to start a new thread to track companies that are discontinuing downloads using OFX/Direct Connect. I use the account downloads feature in Moneydance, which is the same as the download feature in Quicken. It...

T-Mobile announced an upgrade to their travel benefits. High-speed data abroad, in-flight wifi, and AAA membership. I’ve been able to confirm that I’m getting higher speeds in Europe. I’m on the older One plan, not Magenta, and I haven’t been able to find anything on their site indicating that...

It looks like I’m going to have an extra couple of weeks after my visit to France for some solo travel. The first week I’m thinking about spending in Belgium (Ghent/Bruges) and maybe Lille/Calais France, before taking the Eurostar to London. My schedule is wide open right now and I’m looking at...

I'm letting my (barely) adult children live with me until they have enough saved in order to buy a home. I'm collecting a trivial amount of money from them every month. I don't need this money and I'm planning on giving it back to them once they move out. They don't know that I'm planning to do...

Disclaimer: I know little about life insurance policies and really don't want to. These are probably basic questions to those that have dealt with these policies in the past, but it's nothing that I want to study or know anything about. Unfortunately, I have to know a little because WA state...

In anticipation of the next ski season, I've created a new thread for the 2021-22 ski season. This could belong in the BTD thread, but today I purchased Epic passes for the next season. It's a $49 deposit with the balance due in September. Vail Resorts lowered the costs by 20%, so only $783 per...

I've been reading through the enough and various job threads and it inspired me to ask about my recent thoughts at changing jobs late in my career. I've been debating if I should change jobs or stay at my current position until retirement and I'm curious to know what others think. I'm around 7...

The thread on VPN hacks, specifically: Made me think this is an interesting question that deserves it's own thread. Companies that we rely on for internet access are collecting and selling our web browsing/app usage data too. Here's an article from Vox describing how the major cellphone...

I've been using the ER iOS app for viewing the forum for years. Over the last few weeks I noticed that images aren't showing up in posts. I'm not sure how long this has been an issue, but I find it's happening often. This doesn't happen with all images, some display fine. I'm wondering if this...

For the skiers in the forum, I thought it could be fun to share your ski adventures for this season. I was originally planning on getting an Epic pass that works at a local resort along with Whistler, but with covid, my plans have changed. Instead I bought a season's pass to another local...

I have a Wells Fargo Stable Value Fund option in my 401k that I'm thinking of investing a significant amount of my FI money into (50%+). Right now, that money is split between a total bond market fund and short-term federal fund. The stable value fund is yielding 2.09% after expenses. I've...

Last year, I went with my kids to Canada for a week long ski trip after Christmas through the New Year. We had a blast and are trying to do the same this year. But due to CV, I’m not sure it’s going to happen. I think I’m about to bail on the trying to make this trip happen, but I’m curious to...

New “product” from MS. I haven’t tried it (I don’t have MS 365), but I would be curious to know how well it works. https://www.microsoft.com/en-us/microsoft-365/blog/2020/06/15/introducing-money-excel-easier-manage-finances/

I’ve noticed this for the last month, but don’t know why. I’ve been looking at 30-year fixed rate mortgages and there’s about a 1% difference between rate for a purchase vs refi. For example, PenFed is offering 2.875% for a purchase and 3.875% for a refi. Does anybody know why?

I was thinking about this last night...is it possible that the government decides to close the markets for a period of time? This has happened in the past, most recently 9/11. After 9/11, the markets were closed for about a week. I'm sitting on a bunch of puts expiring 4/17 and 5/15. If the...

I need to figure out my living situation and I’m looking for opinions on my options. I’m currently renting a one bedroom apartment and need to rent something bigger so my kids can stay with me when they are home. They are both in college, DD in her first year and DS in his last year (or close...

I’ve been a long time user of LastPass and for the most part, it’s worked well for me. However, the UI is a little clunky at times and sometimes there are issues with auto full. I’m about to help DD get setup with a password manager. I’ve also heard good things about 1Password, so I’m thinking...

I'm trying to make sure that my HSA strategy is allowed by the IRS. For 2019, I'll be filing single, with no dependents. My ex-wife will claim both of our children as dependents. Both are >18 for 2019. My ex-wife does not have an HDHP plan, so no HSA contributions. I'm responsible for medical...