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Your Social Security Benefit Lags Inflation
on November 8, 2022
with No Comments
There are at least two reasons why your Social Security benefits are failing to keep up with inflation.
How to Open a Fidelity HSA and Transfer HSA Bank Assets
on November 4, 2022
with No Comments
Going forward, the Fidelity HSA® is my primary recommendation for an HSA custodian.
2023 Contribution Limits
on November 3, 2022
with No Comments
Twelve-month inflation for all items ending in September 2022 has been 8.2%, so it is not surprising that the 2022 contribution limits have seen more increases than normal.
Lessons for 2022 from My 1983 First Mortgage at 11.5%
on November 1, 2022
with No Comments
We haven’t seen high interest rates in many years, but high interest rates do not remove the potential benefits of having a mortgage.
The IRS Waives 2021 & 2022 Penalties Because Its Unclear How the New Inherited IRA 10-Year Rule Works
on October 28, 2022
with No Comments
In 2019, the SECURE Act changed how inherited RMD rules work. After many IRS notices, we now aren’t sure how the new rules work.
Bear Market Continues Through Third Quarter 2022
on October 27, 2022
with No Comments
While it is counterintuitive, the lower the market falls, the safer it is to be invested.
Stocks are On Sale (October 2022 Dynamic Tilt)
on October 25, 2022
with No Comments
The lower the market falls, the safer it is to be invested.
Freedom Investing in Review (September 2022)
on October 21, 2022
with No Comments
This quarter, we saw that in 1-year returns ending September 30, 2022, Developed Freedom Investing had a -0.44% disadvantage, Emerging Market Freedom Investing had a -0.34% disadvantage, and Overall Freedom Investing had a +0.14% advantage.
Three Places You May Need to Update Your Schwab Routing Number
on October 20, 2022
with No Comments
This year, Charles Schwab will be retiring the outdated PNC Bank ABA routing number, 031000053, that was issued for Schwab One accounts that activated the “Payment Features” on the account prior to March 2012.
U.S. Investing in Review (Sept 2022)
on October 18, 2022
with No Comments
This quarter, we saw that in 1-year returns ending September 30, 2022 our U.S. Stock Strategy had a +4.11% advantage over VTI.
How to Calculate Fair Market Value if the Date of Death Is on a Weekend?
on October 14, 2022
with No Comments
Calculating the fair market value of property varies in difficulty depending on the type of property and the date of death.
The Art and Science of a Bond Allocation (529 Plan Example)
on October 11, 2022
with No Comments
Adding more Stability to an asset allocation isn’t an easy issue. It takes science to know how much bonds you need. It takes artistry to gradually adjust your asset allocation over time.
Q&A: Do I Need a Contract to Employ My Child?
on October 7, 2022
with No Comments
Employment contracts have their origins in very old master-servant laws. With no employment contract, you can better protect your child’s freedom and childhood.
#TBT How to Order New Schwab Checks
on October 6, 2022
with No Comments
Schwab has recently required that everyone with older checkbooks reorder new ones. This recent guide should help you with this process.
Founder’s Day: Celebrating George Marotta (Part 2)
on October 4, 2022
with No Comments
My grandfather served in Japan during World War 2. He turns 96 this year.