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Assume I'm a single person for this issue. Let's say I have $250k worth of JP Morgan CDs in my Fidelity account, which is covered under FDIC rules. What if I also buy $50k worth of JP Morgan CDs through my bank's offerings? Would that be a different "ownership category" according to FDIC...

Don't have a specific purchase in mind at this time, but getting ready for a potential BTD moment in the next 1-2 years. For now, let's pretend I'm buying a $150k car or that we're moving to a new state and the new house costs $800k vs. our $500k house that we live in. What would be the...

We have a will, but needs updated. Our situation is very simple...only one marriage for both of us, no kids, etc. Last time we did our own with software, thinking of doing the same again. There are new softwares out there. What are your ideas? If you approve of doing your own, what software...

I'm sure many of us have interesting stories, or something that got our minds focused about saving at a young age to prepare for FIRE...what is yours? For me, I was an auto mechanic in my early/mid 20's. I did alignments and brakes, and we had a "pit" bay where I could stand under the car and...

Ok all you SS experts, I have a question. When I log into mySS account, they now have a slider bar under the chart. The chart shows estimates of what you would receive at 62, FRA (for me that is 67...birth year 1961), and 70. However, there is a slider below the chart which you can move...

Does anyone know if a FIDO HSA account has a routing number such that it can be used similar to a checking account? If so, how do I find the routing number? The reason I'm asking is that DW just went on Medicare, and we'd like to use her HSA to pay for the premiums and automate the process...

Sorry if this is in the wrong section of the forum...feel free to move if it belongs elsewhere. DW and I are going to update our estate plans. One thing she is concerned about is what happens if we both pass before my wife's mom (let's call her Karen)...who is 89 but doing ok. Karen is not...

This package, which I've had since inception in 1994, is moving in 2023 to YouTube TV. I've had DirectTV for all that time, as my team is out of market and it's the only way I could see them. DirectTV's pricing structure has always upset me, they charge extra for each TV you have, they charge...

I currently have a modest-sized HSA at Benefit Wallet. I'm in the process of moving it to FIDO. I have already started the process...should be complete in about a week (first had to sell investments within Benefit Wallet). My question is around how to pay for health care expenses out of the...

Ok, this has happened to us twice now. We have Apple products, but hate their "stock" charging cords...flimsy and don't last long. Bought some better "braided" ones. They worked fine. Bought another set, they did NOT work...you plug the phone in and on the phone in the upper right corner it...

We are both FIRE'd...I'm 61 and she's 64. We have enough liquid funds to live off, so don't "need" any additional money at this time. A small portion of our retirement is a defined contribution Pension plan from a Fortune 500 company (it's about 10% of our overall savings). I was planning to...

Anyone know what happens to muni bond interest tax treatment when you move? This would be in an investment account, not a retirement account. For example, I currently live in Indiana and have several muni bonds...longest term is 3 years. Let's say I move to another state, let's say North...

Need some tax clarification/guidance. I'll ask my CPA too, but he charges $150 for a consult so I want to be prepared going in. We have sold 4 rentals this year...about $591k revenue on the sales. Subtract for commissions and so on, maybe down to $555 or so. It's my understanding that so...

Wow...housing market is hot here (midwest). We had 5 rental units for the past 13 years...I managed them. Cash flow was excellent, with the typical occasional tenant issues. But due to a variety of factors... 1) I'm getting old and don't want to work on them anymore...I did most of the labor...

Given the two-year suspension of the cliff, I'm thinking of doing the below...thoughts? We have been managing MAGI to stay under the cap...successful so far. A few facts to help: 1) Most of our savings is in tax-deferred plans 2) We spend about $80-90k/year, and have income from PT w*rk and...

As a hobbyist woodworker, I love to see his homes. We've visited/toured two of them, one in Pennsylvania (I think it was called Fallingwater?) and the other in Springfield IL. Have you been through any? Where? Was it worth a look? I think we'll try to visit more but not make special...

I'm sure some of you have read about potential legislation affecting the ACA cliff (temporary at least). To my knowledge, nothing is final yet...but it's already got me thinking about tactics we can use. My goal would be to get some of our TIRA funds into our Roth IRAs over the next two years...

I'm self-employed, and wondering when SS will update my earnings record for 2020. Obviously they can't do it prior to receiving my tax return and schedule SE...but does anyone know how this works after that? Is there a set date?

Thinking about booking a hotel beginning July 15th in Illinois. When I go through Expedia and see the pricing and cancellation fee, there is a pop-up box. I copy/pasted it exactly below. To me this provides conflicting info. On one hand it says no refund or credit. But then it says full...

Do you have any money in real estate? This could be REITs, rental properties, your primary residence, land, etc. We have about 20% or so in rentals, all paid off. Plan to sell those off slowly starting in about 3 years, as I only want them when I am healthy and agile enough to do most of the...

Do you have a love for cars? Do you work on them? Tell us about your ride! I was an auto tech back in the mid '80s...did it for about 5 years. I've always loved musclecars...only had a few. Today I own two of them. This is a 1969 Camaro with a 383. I've had this one since 1984 and done...

For those of you concerned about your credit report, you might want to check it. You know how some banks last year allowed people to skip a payment? Well, turns out some of their computer systems were not programmed to allow that as "non-punishable" and therefore these banks sent delinquent...

Are you spending less during COVID? To set this up...we FIREd in 2019, but I do about 200 hours/year of handyman work. We are 59/62. Our annual spending is around $90k. We sure are spending less, but not by choice! About 35-40% of our budget is discretionary....we normally spend a lot on...

What is the 400% FPL income limit for a subsidy (family of 2, MFJ) in 2020? I thought it was $67,640, but now I'm also seeing sources stating $68,960. Why am I seeing differing numbers? This says $68,960. This is an hhs data set, so I'd think it would be accurate...

I searched and investigated SS claiming strategy tools on this website, but some are no longer around (like the Blackrock tool) and others have started charging, etc. Thought it would be good to have an updated thread. Wife is 62, I'm 58. Starting to think about when to file. We can afford...