Personal Finance (Not Investing) • Roth conversion marginal tax rate
I put your numbers into TurboTax 2023. You pay no Fed tax. You should pay no tax on $10,000 Roth conversion either. I know that has been established by others.As far as staying in the 12% Fed tax...
View ArticlePersonal Finance (Not Investing) • TurboTax security
That's odd as when I've done this with Turbotax before, it didn't require giving the Vanguard log-in. Maybe things have changed. If I have to give them the log-in, I'm just going to get the docs...
View ArticlePersonal Finance (Not Investing) • How would you project taxes in retirement
At $44k provisional income (half SS + other income) is where the 85% begins to kick in from previous 50%. But it's a gradual ride up to fully 85% of SS taxation.Take half SS, add other income. If MFJ,...
View ArticleInvesting - Theory, News & General • Did Vanguard Eliminate Access to...
I swear it wasn't there earlier today. However, it is there now.Statistics: Posted by A440 — Mon Jan 22, 2024 7:50 am — Replies 60 — Views 12801
View ArticlePersonal Consumer Issues • Least Expensive way to own Word for Mac
What's the least expensive way to own MS Word for Mac? I have two newish MacBook Airs I bought from my prior employer, but wiped clean with no software. I'd rather have Word that Pages (free). That's...
View ArticlePersonal Finance (Not Investing) • IRS - letters, website, pending payment
Hello,A couple questions about the IRS:1- I am able to log into the website id.me fine. However, the last correspondence showing on the website was Jan 23. I received my pin about a week ago and it is...
View ArticlePersonal Investments • Helping my mom (71) with her portfolio?
Thanks for the reply, HomeStretch. The account is a regular brokerage account, non-retirement. Automatic / DRIP is turned off, and all dividends from recently are in the account cash balance (~$1K)....
View ArticleInvesting - Theory, News & General • How to prove that I am not losing...
I just reviewed your latest post up thread. If I buy some VIPSX now, could some of the TIPS in the fund be earning negative real?Here is the Treasury real yield data:...
View ArticlePersonal Investments • 3% IRA transfer bonus at Robinhood: Worth it?
For me this is like buying something you don't need because it's highly discounted.I don’t really see how it’s comparable. I don’t “need” the 3%, but it would get me 3 months closer to my retirement...
View ArticlePersonal Finance (Not Investing) • Tax Management
For 2024, the standard deduction for a married couple is $29,200. If you are itemizing deductions, you need to discount the tax advantage by that amount. Hence, your charitable contributions, mortage...
View ArticleInvesting - Theory, News & General • I like a Bond Ladder Limerick … and...
To get in, to get out,There will always be doubt.Interest rate fluctuationMocks average duration.A bond fund I can do without.To be a bond holderHelps me grow older.For a reliable cash flowIs the goal...
View ArticlePersonal Investments • Vanguard Nest Egg Calculator-Basic Question
It doesn’t take inflation into account. CheersStatistics: Posted by Silk McCue — Mon Jan 22, 2024 7:57 am — Replies 1 — Views 86
View ArticleUS Chapters • 🎁 🎉Happy 100th Birthday to Taylor Larimore...
Happy Birthday Taylor! If I only achieve a fraction of what you have accomplished in life, I will still consider it a success. Thanks for all your no-nonsense posts and for your service to our...
View ArticlePersonal Consumer Issues • North East Heat pump + oil backup feedback
...In the NE US, heating oil is still relatively common despite high cost because alternatives (NG, propane and electricity) are also all relatively expensive. While the environmental risks and...
View ArticlePersonal Consumer Issues • Need help deciding what to do with 2 teslas
I don't think there will be much of a difference between the two to prospective buyers. The biggest difference to you might be the higher interest rate on the newer MY. I agree that buyers are...
View ArticlePersonal Consumer Issues • Has anyone bought a product similar to the Nokbox?
I really like the idea of it if buying a Nokbox as we have our estate plan and all of our papers in a safe but not organized in any way, and certainly nothing to find bank account information. Are...
View ArticlePersonal Investments • Ways to Deal with Large Gains in Taxable Account
1. Give to charity via Donor Advised Fund2. Continue to hold them and turn off automatic reinvestment of dividends and cap distributions. Worst-case scenario, the stock tanks during your lifetime...
View ArticlePersonal Investments • Fidelity vs Vanguard for Taxable Accunts
I opened UTMA accounts in my kid's names at Vanguard and hold VTI inside each one. Very easy process.Statistics: Posted by HMSVictory — Tue Jan 23, 2024 7:56 am — Replies 7 — Views 268
View ArticlePersonal Investments • Difference between SNSXX, TFLO/USFR, SGOV?
Are there any major differences in these 3 choices to park cash? I guess the NAV moves around a tiny bit on SGOV & TFLO/USFR, but not on SNSXX (Schwab gov't money market). If the fed cuts rates...
View ArticlePersonal Finance (Not Investing) • Psychological Aversion to Decumulation Phase
I've spoken with 2-3 that were in the 2-3% SWR and they simply turned dividends to payable rather than reinvested and that covers their expenses in the first year of retirement alone to get the...
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