Personal Finance (Not Investing) • Re: What Investments Should Retiree...
Work it out on a spreadsheet - figure out what the taxes would be if you sold, and what your taxes would look like with a mortgage, and compare.It's possible that using the HELOC to buy it and then...
View ArticlePersonal Finance (Not Investing) • Re: Can I tax loss harvest with VTI if I...
I personally wouldn’t risk it. There’s so many good total market or S&P choices anymore to tax loss harvest with, such as SCHB or ITOT.Statistics: Posted by TimRCM — Tue Feb 04, 2025 8:54 pm
View ArticlePersonal Consumer Issues • Re: Hospital Engagement Strategies for the Consumer
... Is it better for us to be blissfully ignorant?Only if you don't care what happens. Your responsibility is to be the informed advocate and protector.Statistics: Posted by cheese_breath — Wed Feb...
View ArticlePersonal Investments • Re: Low-Interest Rate Mortgage in Retirement
Deflation isn't going to happen, simple as that. The US has never had deflation since it left the Gold standard. The only time deflation would tend to happen is a recession but since the response to a...
View ArticlePersonal Finance (Not Investing) • Re: Non-US citizen received 1099R instead...
Hi - Any help/advice on my question above? Would greatly appreciate any pointers, thank you!Statistics: Posted by braven3 — Wed Feb 05, 2025 8:47 pm
View ArticlePersonal Consumer Issues • Re: What is your favorite way to send sensitive...
Email of regular PDFs.I am not paranoid.Statistics: Posted by PottedPlant — Wed Feb 05, 2025 8:47 pm
View ArticlePersonal Investments • Re: Is small cap value etf any good?
To answer your question: yes, AVUV is a good small cap value fund. If you are asking whether you should invest in small cap value, there are many threads on this, but consider you are posting this...
View ArticlePersonal Finance (Not Investing) • Re: how long for a vanguard order?
Accounts do not update in real time. Transactions will post (be visible to you) after the close of business on the day that they happen. I'm not clear then on what your sequence of transactions...
View ArticlePersonal Finance (Not Investing) • Re: Universal Life Policy-Keep, Dump, or...
If we were to cash out of the policy, how is that distribution taxed?The excess of the surrender value over the “basis” (usually the cumulative premiums paid) will be taxable as ordinary...
View ArticlePersonal Finance (Not Investing) • Re: Need to add Roth Convr Withdrawals to RPM
[Thread merged into here --admin LadyGeek]Hello and thank you for your forum and hard work. My husband and I just retired and are deep into using your RPM v25 tool. We should have done it years before...
View ArticleInvesting - Theory, News & General • Re: Investing when you don't expect...
I decided to sell, close to the "top", the majority of my stocks (ETFs). I'm now 75% cash. Yeah, timing the market, in normal circumstances, isn't a good idea. I just don't feel like we're in normal...
View ArticleInvesting - Theory, News & General • Re: Vanguard to Exit Individual...
I waited for some of the kinks to be ironed out of the Ascensus transfer process for my Simple IRA. Submitted my online account transfer through Ascensus' site on 2.3.25, and was just notified by...
View ArticleInvesting - Theory, News & General • Re: Vanguard’s Bond Site, from an iPad
Settings --> Apps --> Safari --> Prevent Cross-Site Tracking (under the Privacy & Security section)Turn it off and it will allow the third-party iframe to load.It works! Even in the sell...
View ArticlePersonal Investments • Re: Transfer Tiaa monies from previous job to new job,...
Added things I need to do: one is get a copy of the current contract to which the funds would be added. That should have information on what can be taken out and when.DW is 59.5, so I'm wondering if...
View ArticlePersonal Investments • Re: how to check my portfolio less
jg12345,Looking at your portfolio frequency is a personal decision for each of us, but what you do after looking at it is a more important matter. I retired at age 65 back in 2002 with a well balanced...
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Personal Consumer Issues • Re: Certified mail coming from someone I do not...
I was rooting for the crazy rich uncle theory. Kinda disappointed. There's always next time!The few times I've gotten certified mail from mystery senders, it's turned out to be some neighbor wanting...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
OK...I saw this somewhere: "Multi-Year Guarantee Indexed Annuity with Market-Related Upside." That doesn't sound like a MYGA to me.BlueprintIncome has Fixed Annuities and Fixed Income Annuities but an...
View ArticlePersonal Finance (Not Investing) • Re: Understanding My Mother's Reverse...
my folks had a RM and when the surviving spouse passed, the process was rather simple. Since the RM was approved/backed by HUD, they had to follow the federal rules. When I called to inform them of my...
View ArticlePersonal Finance (Not Investing) • Using Charitable Donations & Taxable...
It looks like I have entered the 32% tax bracket and it feels like I am being squeezed on taxes. I would like some thoughts on how I can use my taxable account and charitable donations to save on...
View ArticlePersonal Consumer Issues • Re: Cancun Trip.
Have things improved, or gotten worse, in Cancun since 2017?https://projects.jsonline.com/topics/me ... stigation/Google shows similar stories from Summer 2024.Check the State Department web site too....
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