Personal Finance (Not Investing) • Application for IP PIN Form 15227
I faxed Form 15227 on 9-20-24 requesting an IP PIN number. To date I have not received a call to verify and authenticate my identity as the instructions stated would happen. I contacted the IRS office...
View ArticlePersonal Finance (Not Investing) • Help me advise my wife with job issue
My wife works in the architecture/design field. She has worked for small firms, think 5-10 people, and large firms 50-100 people. She currently works for a large firm.One thing I have found in common...
View ArticlePersonal Finance (Not Investing) • UTMAs capital gains
A few years ago I established UTMAs for each of my grandchildren, gifting Vanguard funds with large embedded capital gains. The idea was to gradually realized gains within the UTMAs - up to the (now)...
View ArticlePersonal Consumer Issues • DIY Screen Porch Enclosures
I have done a bit of research and have been surprised at the lack of options for planning, designing, and purchasing the materials for a DIY screen porch project.My porch is fairly traditional -- 36...
View ArticlePersonal Investments • Rolling over IRA into 401k and doing a backdoor roth
Hi all,I am in the process of moving my IRA into my 401k so I can do a backdoor Roth. I have a few questions. When I move the account of my broker, does the account still exist with 0 balance? If so,...
View ArticlePersonal Finance (Not Investing) • Mother passed - need some help making the...
Hi all, this is probably going to be a strange scenario relative to what normally gets posted here and I'm not really sure how to title it.My mother passed away suddenly a few weeks back. We're...
View ArticlePersonal Investments • Portfolio review and asset allocation thoughts
I retired this year and have been working to clean up and rationalize our investments. I have a $29K/year fixed pension (non-COLA). Our expenses for next year are projected to be $61K. I'd like...
View ArticlePersonal Investments • Tax loss harvesting VWALX
Interested in opinions on tax loss harvesting Vanguard High Yield Tax Exempt from my portfolio.Have about 10k in long term losses in my taxable account. Will have much more than 10k of taxable...
View ArticlePersonal Investments • [Can we open a] 401k - Small business owner
Hi there,I am 55 and my wife 53, both chiropractors and we only have one employee. We already have our Roth IRAs set up with Vanguard. We also have a brokerage account. As a small business owners, can...
View ArticlePersonal Consumer Issues • Recommend an online platform for learning...
Hello!Anyone here have experience with, or can recommend an online learning platform to learn “coding.” My interest is mostly just as a hobby. I’m fairly certain I can get my work to pay for a...
View ArticlePersonal Investments • Asset Allocation - Age 55
I am 55 and married and will retire in ten years. We have in our Vanguards Roth IRAs and brokerage account portfolios 80% stocks and 20% bonds. What do you suggest for this age? Thanks.Statistics:...
View ArticlePersonal Investments • Improving Advisor Recommended Portfolio
I have a family member that kindly invited me to attend their advisor meeting to discuss their equities/bond portfolio.This is just a small fraction of their overall wealth. Their net wealth is north...
View ArticleInvesting - Theory, News & General • 457(b) Distributions - Lump Sum or...
I'm lucky to have access to a 403(b) and a (governmental) 457(b) at work. The party trick of the 457(b) is of course the lack of early withdrawal penalty.Our retirement committee had a meeting with...
View ArticlePersonal Consumer Issues • Dripping sound in indoors AC unit
A week ago the AC unit in one of my rooms started dripping small drops of water ... maybe a drop of water every 10 seconds or so. I paid a professional to come take a look at it and he vacuumed stuff...
View ArticlePersonal Investments • Bogle Crowdsourcing my 5 year plan
Greetings and Happy Holidays to all! Long time observer, first time poster. I am seeking to crowdsource a decision on my investment portfolio. My intent is to take the response with the most quotes...
View ArticleInvesting - Theory, News & General • CFP or CPA to help with Roth...
What should we be looking for as we embark on trying to figure out the optimal Roth conversion plan? I feel good about our overall retirement/investment plan but the roth conversion and tax stuff is a...
View ArticlePersonal Investments • Roth Conversion and backdoor Roth questions
Hi,I have 2 questions about Roth IRAs.1) I am converting a previously rolled over deductible Traditional IRA to a Roth IRA. I understand Roth IRA has a 5 year aging rule before earnings can be...
View ArticlePersonal Investments • Vanguard service is getting worse
I tried for 3 days to create check writing for one of my accounts since old checks don't work since they converted to brokerage accountsI spent one hour talking to two different ladies that complained...
View ArticlePersonal Investments • Roth 401k in a high tax year?
Hello,In discussions with a financial planner, it was advised that I might consider using my companies Roth 401k option. Up to this point, I have only contributed to the traditional IRA. (note..there...
View ArticlePersonal Finance (Not Investing) • GPO/WEP repealed - change plan?
The Senate voted early this morning to repeal GPO/WEP. President Biden says he'll sign it. Passage was just ahead of the continuing resolution to avoid a government shutdown.OpenSocialSecurity...
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