Personal Investments • Need medallion signature to move from UBS?
I'm helping my MIL move inheritance and random accounts all to Vanguard. One is an IRA with $20K at UBS. Vanguard needs paperwork and says to check with the current brokerage to see if medallion...
View ArticlePersonal Finance (Not Investing) • How much car can I afford?
“Is there a formula on how much a car a person can afford? Is it based on net worth? Income?” I’ve also wondered this in the past, and so I figured out a formula for myself, which I think is logical...
View ArticlePersonal Finance (Not Investing) • Pro-rata calculation for IRA for multiple...
You might try using the multi-year Form8606 tab in the personal finance toolbox. Change cell C1 to 2021, then enter what you did in the green cells for each year. Note that a recharacterization makes...
View ArticlePersonal Finance (Not Investing) • Looking for Tax advise after recharcterize...
If you didn't withdraw/convert any money out of your traditional accounts for a given tax year then there will be no taxable income due to the backdoor Roth process.Any tax year for which you made a...
View ArticlePersonal Finance (Not Investing) • Is it Time to Self-Insure? CA Homeowners...
Looked carefully-ish but did not see this - did anyone say that homeowners insurance gives you personal liability protection and (I think) the ability to get an umbrella policy?You can buy personal...
View ArticlePersonal Finance (Not Investing) • Understanding Massachusetts & Federal...
For federal, see Safe harbors.For MA, see https://www.mass.gov/doc/2023-form-m-22 ... x/download. The MA safe harbors look similar to the federal ones, except- owe <$400 instead of <$1000- have...
View ArticleInvesting - Theory, News & General • Record keeping for HSA when...
I have some ambivalence about what an EOB is good for. It will give you the itemization but, at least in my experience as a doctor, doesn't always translate into what you've paid. In other words,...
View ArticleInvesting - Theory, News & General • Dot.Com Era/AI Era?
For background, I was a very young and inexperienced investor during the dot.com era. I made a ton of money and promptly watched it fade away in short order.Of course, I learned a few things from the...
View ArticlePersonal Consumer Issues • Negotiating Full Size SUV
The last time I did the email method for a Honda Passport Elite AWD I got a better price on the SAME car from a dealership where the car was not located. The dealer that gave me the best price picked...
View ArticlePersonal Finance (Not Investing) • tax filing using PDF
I mail in printed forms every year. I'm not paying a fee to pay taxes. My 2023 return was processed in 19 days.Statistics: Posted by jeep5ter — Wed Mar 06, 2024 6:25 pm — Replies 20 — Views 874
View ArticlePersonal Investments • Job Goes Poof
I plan to, in lieu of speedy re-employment, seek a plan on open market that is HDHP. Would that allow me to contribute max for 2024?Yes, but what if you get a new job and they don't offer a HDHP...
View ArticlePersonal Finance (Not Investing) • Tax Question: Pennsylvania vs Federal
So today I got an corrected Etrade 1099-INT showing about $11,000 more U.S. Treasury bond interest than on the original 1099-INT sent about a month ago. I already filed my Pennsylvania return, but...
View ArticlePersonal Investments • TSP Roll-over
welcome to the forum. I am a Gov retiree. I transferred my taxable and tax deferred portfolio to vanguard in retirement. I follow a three fund boglehead portfolio which you can read about in our wiki....
View ArticlePersonal Consumer Issues • Lemon Law Question in Pennsylvania
Try taking the car to another Subaru dealership. With the car being just two weeks old, this may be more of a dealership service shop issue than a Subaru issue. Overall, Consumer Reports has...
View ArticlePersonal Consumer Issues • Wordle [Anyone playing Wordle?]
Nytimes now has a new word finder game: https://www.nytimes.com/games/strandsI like Strands - hope it stays!Statistics: Posted by life in slices — Thu Mar 07, 2024 6:36 pm — Replies 388 — Views 42000
View ArticlePersonal Investments • Single : IRA withdraw/convert ...2 options? Take...
> Option 2 : IRA Withdraw/conversion, SSA Survivor, Interest, Div = $258k MAGI - 14.6K std deduction. Taxable Income = 243.4k (top of 32% tax bracket) 2026 - IRMAA Std X 3 .2 surcharge. Marginal...
View ArticlePersonal Finance (Not Investing) • Florida insurance options
You can purchase an excess liability policy to cover the difference. Check with an insurance agent.Thanks. We have received the inspection report, the house failed the 4 point inspection and is...
View ArticlePersonal Investments • 401k funds for 27 year old
Just got back to this thread after work. Thanks a lot again for all your kind responses and the information shared. They were very educative and I will keep all of those in mind now and in future.You...
View ArticlePersonal Investments • Career ending, getting fired. Can we FIRE ?
What are the contributions in both Roth accounts? Include the contributions in any accounts which were rolled into them.Are you or your spouse older?It seems a large need is to figure out how to...
View ArticleInvesting - Theory, News & General • Margin Accounts - Avoiding 'Payment...
Funds (both mutual and ETFs) have securities lending programs which they lend out their securities.Since mutual funds cannot be short sold, to whom would the mutual funds be lent and for what...
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