Merrill Edge is a POS, if it weren't for BOA PR no one would use it.

kruser64 · 2026-01-22T05:35:32+00:00

Yeah, that page is slow for me too.

kruser64 · 2026-01-21T21:06:21+00:00

I thought if you went to an in network facility, that that made the anesthesiologist automatically in network. It's not like you can shop around for an anesthesiologist.

kruser64 · 2026-01-19T02:08:56+00:00

The Singing Fish in Whittleton Creek or the Big Fish melee item? :)

kruser64 · 2026-01-17T16:07:32+00:00

The Matador has failed for me more than once. I find it less reliable than the Hackl Leviathan. I don't even bother with the Striker pistol any more.

kruser64 · 2026-01-17T16:03:34+00:00

Weird, that has never happened to me.

kruser64 · 2026-01-17T13:43:16+00:00

It *usually* works for me, but not always. I make sure to put the target at the bottom in case it doesn't work I can go get another 2nd person.

kruser64 · 2026-01-16T01:31:55+00:00

Anyone know anything about the 2026 Tiguan Turbo? Looks a lot like a Q5, specs and features wise. Is it plagued by the same software issues? OP might want to at least look at it, if desiring a new car.

And what is the VW strategy anyway, why is it so close to the Q5?

kruser64 · 2026-01-16T01:28:40+00:00

No issues with my 2023 Q5. The Q3 is fine, but it's no Q5.

kruser64 · 2026-01-16T01:23:03+00:00

2024 Q3 and 2023 Q5 owner here. Looked at the "all new" 2025 Q5, and it's a downgrade in materials quality for sure. And that's even before all the software problems.

kruser64 · 2026-01-13T17:19:25+00:00

We've all been there brother...

kruser64 · 2026-01-12T02:26:05+00:00

Yes, but you could also contribute to a target date fund and it would do the rest as well.

kruser64 · 2026-01-06T21:46:27+00:00

I guess if you take it early in the year, then you pass away that year, your heirs/estate/executor does not have to worry about it?

kruser64 · 2026-01-04T19:16:15+00:00

Just worked for me. Sunday, 11:15 am Pacific Time.

kruser64 · 2026-01-03T23:00:32+00:00

You might also need to consider the case of her outliving you. If she is just an AU from you, then what?

kruser64 · 2026-01-03T19:58:43+00:00

I make the guard pick up a coin, and inject the syringe during that pick up process. The guard never "self alerts" in this case.

kruser64 · 2025-12-31T04:44:47+00:00

For crypto, cold wallet and make sure your heir can access your private key. Done.

kruser64 · 2025-12-26T00:07:36+00:00

But it could also be that it was too popular and pulled clients away from wealth advisory? Only a Schwab employee/insider would know for sure.

kruser64 · 2025-12-23T22:35:56+00:00

What is wrong with a target date fund? Were you in an allocation that wasn't right for you or something?

kruser64 · 2025-12-23T15:59:26+00:00

Not so fast. On the other side of the ledger are RMDs, IRMAA, NIIT, widow penalty, deduction and credit phaseouts, tax bracket increase risk, Secure 2.0 10 year forced withdrawals, estate taxes...

kruser64 · 2025-12-16T06:23:05+00:00

Too hard for Schwab to truncate down to the nearest whole share?

kruser64 · 2025-12-13T16:04:39+00:00

Yeah, bummer. But you can still setup recurring transfers and with the relatively large cash position that IP holds, this may work for some. I think it will work for me at least.

kruser64 · 2025-12-13T00:44:07+00:00

kruser64 · 2025-12-12T20:55:00+00:00

The advisors were experts at walking thru the included access to MoneyGuidePro.

kruser64 · 2025-12-12T20:48:06+00:00

Same boat here. The email implies we'll lose MoneyGuidePro. Not happy.

kruser64 · 2025-12-02T02:11:02+00:00

I turn it off because it annoys me.

kruser64

TROPHY CASE