IN THE EARLY 1980s, I was a bachelor in Brooklyn. Unskilled at cooking, I didn’t eat at home unless my food came out of a cereal box or snack bag. For regular meals, I depended on a small neighborhood diner.
It was open for breakfast, lunch and dinner seven days a week. On weekends, it was my main source of food. Like so many diners I’ve visited since, it offered complete meals—soup, main course and dessert—for one price.

I’m wondering if any other HD readers have run into this policy at TRowe Price?
Here’s what happened:
I am trying to get my year end portfolio in alignment. I am trying to generate cash to fund my taxable withdrawals from two inherited IRAs for the next two years.
On 1/29 I sold a balanced fund in an account in mother’s name and transferred the proceeds into a money market fund in the same account.
Today I tried to do the same trade in my father’s account and a T Rowe supervisor said I could not do that due to their frequent trading policy as the first sale was >

Your last day of work was Friday. You wake up Saturday morning and you are retired, just another retiree, a 65 year old senior citizen perhaps and some people instantly perceive you as low income as well, just because you are retired. 
But what is really different? You are still you, your personality has not changed, your habits have not changed, what you like or dislike hasn’t changed. You still like some people and others not so much. 

YOU MIGHT RECALL my article warning about home title theft, where scammers try to claim ownership of your home. Since I wrote the article, the Federal Trade Commission has warned that one preventive measure, so-called title lock insurance, is bogus: It only alerts you to title fraud after the fraud has happened.
Thanks to a recent AARP article, there’s now greater awareness about home title fraud and ways to protect yourself. What can you do to prevent title fraud?

There is a fund run by Cathie Wood, the ticker is, ARKK ,Ark innovation fund, it gets a negative rating from Morningstar, alas, perhaps with the climate change, it could be suitable if we ever get another flood of biblical proportions?
There is an old movie, ” Arachnophobia”, about some troublesome spiders. I suggest to buy the S and P the Standard and Poors  Depository receipts,  Spiders fund, perhaps.
For the hep and cool cats, I suggest trading both AT and T,

I’m not much of a musicals guy, but I’ve always loved the song “Try to Remember” from The Fantasticks. Maybe it’s because as a kid growing up in Dallas, my parents took me to see a local production of the show. It ran 42 straight years off-Broadway, quite a record.
The first and best version of the song was by Jerry Orbach, who most folks know as the sarcastic cop Lenny from Law and Order.

As a country with only a couple of centuries under its belt, I think that our nation has beaten the odds. When the intrepid souls left England and crossed the pond to start a new country, what were the odds of success?
England was a tremendous world power, a strong navy, territories covering the globe, etc., and it must have seemed foolhardy to fight that. Yet, here we are, and thanks to the native Americans, and the millions of immigrants that have come here from 200 nations,

Well, it’s that time of year again. No, I don’t mean the holiday decorations and music in the stores, although it’s certainly that time of year as well. I’m talking about looking at this year’s tax picture and what actions one might take before the year ends.
There are several items that pop to mind for many people – optimizing giving to charity, making gifts to family, contributing to IRAs (consider doing this earlier!), and others.

BEFORE HE DIED LAST year at age 99, a friend asked Charlie Munger if he planned to leave his considerable wealth to his children. Wouldn’t it impact their work ethic, his friend asked?
“Of course, it will,” Munger replied. “But you still have to do it.”
“Why?” his friend asked.
“Because if you don’t give them the money, they’ll hate you.”
Few of us are billionaires. Still, I find Munger’s comment instructive. It illustrates a reality about personal finance: that the notion of a perfectly optimal answer to any financial question is just that—a notion.

I was making a payment on Zelle recently which our landlord requires us to use to pay our rent. I had completed the process when I suddenly got an alert that I needed to make the payment again as they were having technical problems. This was a red flag to me so I did not make another payment.
I then looked at our checking account online and saw that my payment had been deducted. I also got a text confirmation from the bank.

This has nothing to do with HD finances, but much to do with HD living.
Every six months or so we see newspaper or online articles questioning the value of Daylight Saving Time (DST). Some argue that it should never be implemented, while others say it should be permanent, with no changes. Others like it the way it is.
Before I retired, DST really had a minimal impact on me. Except for a short stint on a construction site,

WHEN HANNAH AND HENRY were children, I talked a lot about money. This was partly self-preservation: It would have been embarrassing if the kids of a personal-finance columnist grew up to be financial ne’er-do-wells.
Fortunately, they didn’t. Hannah and Henry are now in their 30s. Both have good financial habits, and today I typically don’t talk to them about money except when they have questions. Still, given my cancer diagnosis, perhaps a few final reminders are in order—13,

Mine are:
1) John Bogle- founder of Vanguard
When I was beginning my investing journey I discovered this icon. His sage advice such as costs matter, and most investors can’t beat the market so just use index funds led me to financial independence and a comfortable retirement. Also there is most likely no individual who has saved individual investors more money saving because of his push to lower  investment fees.
2) Christine Benz- Personal investment author at Morningstar
When I read her articles on bucket portfolios,

A 10 dollar investment in Berkshire-Hathaway in 1965 would now be worth about $ 500,000 large. Not bad. Or, to quote the late Bob Newhart, ” Oh boy.” ( no exclamation point)
A very financially unsophisticated  woman in New York worked for the same company for 67 years, never earning very high salaries, and when she passed away a few years ago, she had a net worth of almost ten million dollars. Long Term Capital Management had tremendous computers,

Who knew dividend-paying stocks were so controversial? Some view them as a great way to generate retirement income and lower a portfolio’s risk level, while others shun such stocks as tax-inefficient and dismiss their owners as irrational.
But wherever you stand on this issue, keep a key notion in mind: At some point in their life, we need publicly traded companies to start returning cash to shareholders—or there’s a risk they’ll disappear without creating any wealth for investors over their lifetime.