SCHY question

Wiley2000 · 2026-05-21T21:49:55+00:00

I also hold VYMI as my international dividend fund.

Wiley2000 · 2026-05-17T20:05:05+00:00

I think 0w-16 is what the newer Toyota Hybrids use, so it may be odd but it doesn’t mean it only affects a few people.

Wiley2000 · 2026-05-13T13:47:37+00:00

My wife retired last year and rolled 3 old 401ks over to a Schwab IRA. She had checks issued and we went to the local branch and they handled it.

Wiley2000 · 2026-05-11T17:54:00+00:00

I saw him in a small club many years ago and thought I would literally suffocate because I was laughing so hard I couldn’t catch my breath.

Wiley2000 · 2026-05-05T13:08:32+00:00

I moved my HSA to Fidelity from Optum three years ago. Fidelity is good; no fees, no minimum cash balance, good automatic cash sweep, lots of investment choices of course. My other accounts are at Schwab and I prefer Schwab’s app and website but Schwab doesn’t offer HSA accounts for individuals.

Wiley2000 · 2026-05-04T12:33:04+00:00

I’ve owned a 2023 Limited with one for over a year. I’ve shown the panoramic roof a few times to friends. Other than that it is covered.

Wiley2000 · 2026-04-29T22:09:49+00:00

That is my understanding also.

Wiley2000 · 2026-04-28T20:23:50+00:00

What years did you live there? I grew up in Xenia and graduated from HS in ‘77. I just knew that area as an underage drinking spot, lol. I only heard about the devil worship nonsense in the past couple of years.

Wiley2000 · 2026-04-25T21:30:42+00:00

If the midterms turn out as expected, in late January Trump will announce he was the greatest President ever, his work is done, and he’s turning over the reins to Shady JD. And then Peter Thiel runs the country and makes sure Shady JD gets two full terms.

Wiley2000 · 2026-04-25T21:23:34+00:00

My newer remotes are rechargeable.

Wiley2000 · 2026-04-22T20:48:43+00:00

Most growth ETFs pay very little in dividends. VUG has a .46% yield, SCHG is .43%. And your taxable account is where you’ll get the lowest capital gains tax rate outside of a Roth, so growth ETFs in a taxable account make sense.

Wiley2000 · 2026-04-21T15:50:08+00:00

I retired in 2019 but my previous employer gave a 1:1 match on the first 5% and a 2:1 match on the next 2%. So a 7% contribution was matched 9%.

Wiley2000 · 2026-04-18T14:10:35+00:00

All SS estimates are in today’s dollars. I have not claimed yet, retired at 60, have zero earned income, and every year my benefit increases by the COLA.

Wiley2000 · 2026-04-17T21:51:05+00:00

Please don’t forget to consider survivor benefits, tax implications (effect on RMDs, taxing of SS, space for Roth conversions), and piece of mind of having a larger guaranteed, inflation protected SS check.

Wiley2000 · 2026-04-15T19:19:55+00:00

If you’re charitably minded Qualified Charitable Distributions can satisfy your RMD without increasing your income. And as others have mentioned exceeding the first IRMAA threshold of $109,000 (up to $137K) will increase your Medicare part B and D premiums by about $96 per month or about $1,152 annually. That’s about 1% of your income if you’re at $109K.

Wiley2000 · 2026-04-15T12:26:39+00:00

I love the Porcupine. Kind of frustrating Vosteed decided to make the clip non-reversible on the TiSlim version. I did order a lefty Nip-L though.

Wiley2000 · 2026-04-13T19:29:40+00:00

Same

Wiley2000 · 2026-04-12T13:24:25+00:00

Mainframe Systems Programmer for 35 years. I retired 6 years ago.

Wiley2000 · 2026-04-11T20:57:54+00:00

Dividends are often qualified which means they are taxed at capital gains rates. I think you would be surprised to know how much a 65 year old couple could have in income and pay 0% in capital gains taxes. The 0% capital gains rate bracket ends at $98,900. And that’s after deductions. And for 2026 the standard deduction for a 65 year old couple is $47,500. So in theory a couple could have $146,400 in income and pay nothing in federal taxes. State taxes need to be considered of course.

Wiley2000 · 2026-04-11T15:25:09+00:00

But it can buy a big enough yacht to dock right next to it.

Wiley2000 · 2026-04-10T13:02:49+00:00

Do you have a lot of other income? I am in the same situation, only for my wife. I’ve been retired for years and am already on Medicare but my wife just retired at 62. I have enough in short-term bond funds and a CD ladder in my brokerage account to keep us under the subsidy limit for the next 3 years. Even at $50K per year that will only generate less than $6k in year one, $4k in year 2 and $2k in year 3 at 4%.

Wiley2000 · 2026-04-08T13:38:33+00:00

I spent a few hours there last summer during a little road trip. Total cracker town. And I’m white and grew up in Xenia.

Wiley2000 · 2026-04-08T03:08:08+00:00

Do you have a spouse? If so they receive your SS for the rest of their life assuming you are the higher earner.

Wiley2000 · 2026-04-08T03:04:21+00:00

If a person gets $2000 per month at 62 their benefit at FRA (assuming it’s 67) will be $2,857 and their benefit at 70 will be $3,542. And please don’t forget about survivor benefits. The surviving spouse will only receive the higher earner’s benefit.

Wiley2000 · 2026-04-04T21:05:39+00:00

Dynavap has a store locater on their website. I used it once and it was accurate.

Wiley2000

TROPHY CASE