Personal Finance (Not Investing) • Is a special needs trust worth the cost...
With or without a corporate co-trustee?The corporate trustee would be both more expensive and worse than hiring an attorney to advise you on an as needed basis.What are typical govt agency reporting...
View ArticlePersonal Investments • Investment Strategy when approaching Retirement.
1. Is it advisable to pay around 1.6% a year to a Fiduciary Money Management firm? My wife prefers this approach as it relieves us of the stress of not knowing if we are doing the right things in...
View ArticlePersonal Finance (Not Investing) • What's the best way to have federal taxes...
...but they have "Federal Income Tax Withheld" in bold on their 1099-INT and Vanguard also has this on their 1099-DIV. I'd prefer to have Vanguard and AMEX withhold for their own interest and...
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Personal Investments • "Advisor sold" versus "direct...
But Forbes thinks differently.Statistics: Posted by bradinsky — Sat Feb 24, 2024 2:06 pm — Replies 13 — Views 933
View ArticleInvesting - Theory, News & General • Vanguard Customer Service Mega-thread
Google "step up basis at death".The surprise is not about the step up rule existing, the surprise is that brokers keep track of updating the basis for you and reporting the updated basis to the...
View ArticlePersonal Consumer Issues • AT&T outage affects other MVNOs?
And I’m not worried about it, just frustrated with AT&T’s rash placating even before any investigation.My assumption is that the network folks were in the middle of deploying a major change and...
View ArticlePersonal Finance (Not Investing) • Vehicle damaged and liable party has low...
If you were not at fault at all, your premiums will not go up.Outside of California and a couple other states, your rates can absolutely go up.Here's an insurance company telling you this:Do insurance...
View ArticlePersonal Investments • Financial advisor recommendation--beyond the usual...
Thanks. Yeah, I have googled *a lot* on the subject. I suppose it's a good thing that there are more-and-more fee-only advisors out there, but the problem is figuring out who to choose among the many....
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
If you started at 25 and maxed out the Roth (assuming $6500 per year), at 8% returns you'd have an extra $56705 (2.7%) at 65 with this match.Now if throw in the inflation as well as the price...
View ArticlePersonal Finance (Not Investing) • FIRE-ing In, Quitting versus Getting...
I’ve left several jobs, in a few cases where the employers were probably somewhat surprised.My rule has been to imagine myself as the person / institution on the other side of the conversation. What...
View ArticlePersonal Investments • Accounting for fees when using the 4% rule
In addition to the 1% fee for the "manager" and the 1% expenses of the funds, there could be another 1% for taxes, leaving the investor using the 4% rule with only 1% a year remaining.Yes. One for...
View ArticlePersonal Finance (Not Investing) • RMD warning for taxable acct withdrawal?
How is a taxable acct withdrawal possibly related to an IRA RMD?The only way I can think of is that the RMD has to be taken, which might make it unnecessary to spend or generate taxes from another...
View ArticlePersonal Finance (Not Investing) • Where to park 150k for 2-3 years
One other option, if you value laziness(I mean convenience, ya that's it), is buy a target date maturity bond ETF, something like IBTG https://www.ishares.com/us/products/312 ... easury-etfIt will own...
View ArticlePersonal Investments • Bug in Anypia SS calculator 2024.1
Thanks for the explanation. I found this on https://www.ssa.gov/benefits/retirement ... ayret.htmlIf you retire before age 70, some of your delayed retirement credits will not be applied until the...
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Personal Investments • Portfolio Review request: I am a fumbling beginner
welcome to the forum .It's great to see that you "have no debt, good budgeting practices in place, and live well within my means"You are not too late, and have no need to play "catch up" in my...
View ArticlePersonal Investments • Roth Conversion: Mine vs. Spouse - Does it Matter?
My wife and I will completely convert her tIRA to Roth. Since the RMD year for us is only a year apart that isn't an issue. She has more taxed money in her IRA as a percentage of value than I do. But...
View ArticlePersonal Finance (Not Investing) • Social Security Benefits payment confusion
I just got off the phone from SSA/Medicare. They confirmed that, despite the wording in their Feb 2nd letter, they deduct the Part B premiums in the month the premium covers. So her first covered...
View ArticlePersonal Consumer Issues • Advice for buying a car in 2024
I'm ready to get a new car. My paid-off 2015 Audi has had a great run, but it has a couple of issues that bug me but don't seem worth fixing on a car that is worth ~$6-7k (most A/C vents don't blow,...
View ArticlePersonal Consumer Issues • Roof repair - reasonable?
These type of work jobs have become incredible expensive, so I am not surprised by the number (it will be two people doing work for at least half a day)Is it worth the money, probably not, you can get...
View ArticlePersonal Finance (Not Investing) • Tax Question - Neglected to Report Roth...
I would do nothing. Wait for the letter saying you owe $24, and mail them a check then.Statistics: Posted by toddthebod — Sun Feb 25, 2024 2:18 pm — Replies 14 — Views 525
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