Personal 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 Finance (Not Investing) • Variable Universal Life - Surrender Options
Hello everyone, First post here, but I've been hanging around this forum for a few years. This place has been a fantastic resource for me and my family.I have a variable universal life policy that I...
View ArticlePersonal Finance (Not Investing) • My Friend IRMAA
I have been on my wife's work health plan and doing some Roth Conversions but trying to stay in safe territory with the conversions. Last year 2023 some completely unexpected pension income from a...
View ArticlePersonal Investments • Treasury auction question
Every time I think I understand bonds, I realize I really don't. So I recently purchased 35,000 shares on Vanguard of a 2 year Treasury Note from the government auction, CUSIP 91282CLH2. At the time...
View ArticleInvesting - Theory, News & General • Why pay DAF management fees when you...
We're in the fortunate position of having done well between work, strong savings and a strong stock market to the point our retirement is essentially overfunded. DW and I are looking to start...
View ArticlePersonal Investments • Retiree Seeks Help with Reallocations to Simplify...
Retiree Seeks help with Reallocations to Simplify PortfolioFirst time to request advice for investments; Have general knowledge of investments over 30 years. Retired in 2014 at 70; Second marriage in...
View ArticlePersonal Finance (Not Investing) • POAs - administrative questions
I am named as the agent in a Power of Attorney for a relative. The POA was prepared by her attorney. I am trying to get organized to have a conversation with her about her situation now while she is...
View ArticlePersonal Finance (Not Investing) • Mechanism for getting POD assets back into...
Assume an elderly person has a moderately large estate but there are no probate assets because the assets have beneficiaries, POD, are in an ILIT, are a 529, or are in a bypass trust.Everything is...
View ArticlePersonal Finance (Not Investing) • Seeking examples of "horror...
Much has been written on BH about the importance of creating a “death book” – a list of critical information about oneself so that, upon death, survivors can focus on grieving rather than spending...
View ArticlePersonal Investments • IBond transfer after conversion
Over the past year I have converted my paper bonds to electronic. I now have both my primary and conversion accounts inside of Treasury Direct. I have seen posts that state you can transfer the...
View ArticlePersonal Finance (Not Investing) • Help mitigating underpayment tax penalties
I receive social security disability income and am not working. There’s a cap on how much of my SSDI checks I can withhold for taxes. As a result, I’m not going to meet the safe harbor minimum for...
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...
View ArticlePersonal Finance (Not Investing) • Insurance options for unlevered owned...
Odd question - I’ve been paying insurance as part of my monthly payments, well I guess forever.This past year we paid off the mortgage on our primary home, as well as on our rental property (the...
View ArticlePersonal Consumer Issues • Data broker websites - Norton ID Navigator
Remove your info (Opt Out) from data broker websites...Your visa may give you free ID Navigator Powered by LifeLockUS Bank is one that advertises this.https://lifelock.norton.com/visabenefitPart of ID...
View ArticlePersonal Finance (Not Investing) • HSA reimbursement for transportation at a...
Hello everyone! I have had many doctors visits this year and have regularly been taking public transit to these appointments. I know that bus fee is reimbursable by my HSA so I have been recording...
View ArticlePersonal Finance (Not Investing) • DW's health is improving: When to lock in...
For a long time now, my DW's health has prevented her from qualifying for life insurance due to weight.Economically, she not the primary income earner and we don't have kids so life insurance is more...
View ArticlePersonal Consumer Issues • Iphone aps and storage space
Usually using up my storage on my iPhone is rarely an issue but things were getting a bit tighter when I tried to figure out why. A few things I found out which aren't optimal from an user...
View ArticlePersonal Investments • Any compelling reason to consolidate 401(k)s?
I recently changed employers - my new 401(k) plan is managed through Merrill, while my previous is at Fidelity.I have just under $900k in the Fidelity 401(k), almost all of which is in a Vanguard 2030...
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