Personal Investments • Screwed up by contributing directly to ROTH IRA...
Can't believe just did that. I make >$300k/yr. I usually transfer the $7k (or the ROTH limit) to a traditional IRA first and then make the conversion to ROTH the next business day. But this year, I...
View ArticlePersonal Investments • Audit my plan to clean up existing traditional IRAs to...
Hi there, casual reader turned poster to help see if my current plan to clean up my existing traditional IRAs to make a back-door Roth easier going forward is correct.Current account...
View ArticlePersonal Investments • Trust v. Beneficiary
I have seen bsteiner give this advice more than once. What is the logic behind it?“ You would be better off working with a good trusts and estates lawyer who would recommend not naming beneficiaries...
View ArticlePersonal Investments • Rules for non-spouse beneficaries of Inherited ROTH IRAs
Father and mother both die and leave a Roth IRA to their only son which makes it an inherited ROTH IRA.It was my understanding that the son would not be required to take RMDs from the ROTH IRA, but in...
View ArticlePersonal Finance (Not Investing) • Fidelity security practices
I wanted to provide a general advisory about Fidelity and their overall security/fraud prevention practices. I work in this field. For me, my recent experience with them strongly suggests sticking...
View ArticlePersonal Consumer Issues • Keeping neighborood cats from using restroom in yard
There is a house on the corner of our block (we are a few houses away) that appears to the neighborhood hangout for the cats. The neighbors feed them. The cats will regularly "patrol" the area which...
View ArticlePersonal Finance (Not Investing) • Does Roth Conversion create investment income
I know Roth conversion creates ordinary income, but not earned income. It's not clear to me if the ordinary income created is considered investment income. I don't want to push my investment income up...
View ArticlePersonal Finance (Not Investing) • Gifting Money To My Parents
Good Afternoon,I had a question about gifting money to my parents. I know that I can give my dad $9000 and my mom $9000 each year. Does this also mean my wife can also gift my parents an additional...
View ArticlePersonal Investments • RMD question
I begin taking RMDs next year. I am totally invested in mutual funds and ETFs but took some money and invested in Apple over a decade ago. That investment has grown significantly. My position in Apple...
View ArticlePersonal Consumer Issues • Does Merrill Lynch do cold calling
My mom has recently received a few calls from Merrill Lynch sales person, whom she always declien to speak to (she was scammed a few times in the past and now avoid all unknown calls). This seems a...
View ArticleInvesting - Theory, News & General • Timing the Stock Market Using...
I’ve never found a legitimate way to utilize valuations to determine entry or exit points in the stock market. Maybe when things get to extremes but even then valuations can be unreliable.Timing the...
View ArticleInvesting - Theory, News & General • Building a Personal Investment...
Greetings all,I want to build a personal investment portfolio on google sheets.There's a few features that I'd like, and my question is, are these features possible? I'm a novice, so forgive me1....
View ArticlePersonal Investments • Worth opening Vanguard to invest in VTSAX
I moved my SEP IRA from Merrill to Fidelity, but now thinking I should have moved to Vanguard to invest in VTSAX. I want to change portfolio and sell off some of the old investments and go VTSAX/VXUS....
View ArticlePersonal Finance (Not Investing) • How do Bogleheads feel about Apple Pay and...
We like to keep things simple and only have two credit cards, one of which is kept just for emergency use. But recently, I’ve been wondering about getting Apple Card or using Apple Pay, in part...
View ArticlePersonal Finance (Not Investing) • Corporate trustee: choosing one and...
We are in the process of putting together our estate plan and contemplating a revocable trust and nominating a corporate trustee as successor. My primary goal is ensuring my spouse doesn't have to...
View ArticlePersonal Consumer Issues • New (or used?) car (Honda?). Also, financing Qs
Son's 2020 CR-V appears to be totaled (hit and run from last weekend), though we await final confirmation from State Farm, and of course, a check. Assuming he's in the car market this weekend or next...
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Personal Finance (Not Investing) • Vanguard -> JPM Chase Brokerage Transfer?
I recently created a JPM Chase Self-directed Roth IRA account, and wish to fund with a partial transfer from Vanguard Roth Brokerage.When I tried to initiate the transfer using their Yodlee-based...
View ArticlePersonal Finance (Not Investing) • Managing IRMAA Exposure - A Real Example
I just reviewed my estimates for our 2024 taxes, and found I have a real live example of an opportunity to influence our IRMAA payments in 2026.According to my current estimates of our 2024 income, we...
View ArticlePersonal Finance (Not Investing) • Roth Conversion dilemma
I am a 68 y/o married male with @ 2.9m in traditional IRA. I am retiring at the end of 2024 and waiting till 70 to take SS. I was planning to take living expenses from the IRA in 2025 and 2026 to...
View ArticleInvesting - Theory, News & General • Bloomberg Article: One-Day-Only...
Original article from Bloomberg: https://www.bloomberg.com/news/articles ... ckout=trueAccessible version from Yahoo Finance: https://finance.yahoo.com/news/one-day- ... 52433.htmlI'm not familiar...
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