Personal Finance (Not Investing) • NCUA deposit coverage amount POD
I have 3 IRA share certificates at one credit union. It has NCUA coverage. I have named the same 3 people on the beneficiary designation page for each certificate. How much NCUA coverage do I have on...
View ArticlePersonal Finance (Not Investing) • Which flavor of TIAA Traditional for me now?
My retirement account set-up is, let’s just say “complex”. I have collected accounts across multiple employers, all of which have had desirable, low-fee investment options but the main reason is just...
View ArticlePersonal Finance (Not Investing) • IRMAA and Roth Conversions
Looks like I’m going to fall into a pretty high IRMAA bracket for 2024. This is mostly due to long term capital gains. As a single taxpayer I expect to easily fall into the MAGI greater than $193,000...
View ArticleClik here to view.
Personal Finance (Not Investing) • How to calculate mortgage payoff break-even?
Q: With interest rates dropping on short term savings, I want to keep an eye on when it might pay to use those funds to pay off our mortgage.Background: We have a mortgage at 3.25%, with $45,000...
View ArticlePersonal Consumer Issues • Anybody using PhotoStructure as an Apple Photos...
Slowly clawing out the walled garden. Photos is a tricky one.Anybody using PhotoStructure? I'm trying to find a non-cloud solution.Statistics: Posted by guppyguy — Thu Sep 19, 2024 1:50 pm — Replies 7...
View ArticlePersonal Investments • Mutual Funds and ETFs - reasons for full closure and...
I've wondered about this for while. Why do funds (mutual funds and ETFs) go "out of business" (full closure and liquidation)?From Investopedia:"Standard & Poor's, in a 2016 report on the...
View ArticlePersonal Investments • 529 transfer
My daughter 529 account is with College America and it’s managed by my ex’s high school friend. He does not charge anything, or at least that’s what I was told. The performance of this account is...
View ArticleClik here to view.
Investing - Theory, News & General • Blackrock, $35T debt issue -- Noise...
For some reason I just had to read this Forbes piece. Raised my blood pressure and pulse rate in an unhealthy way. https://www.forbes.com/sites/digital-as ... rice-boom/So, talk me down from the ledge...
View ArticlePersonal Finance (Not Investing) • Getting Parents off the Deed to Our Home -...
Hello BH Community, Our Situation We bought our current home in 2017. At the time of purchase, my wife’s parents were added to the deed, so the deed was me, my wife, my mother in law and father law....
View ArticleClik here to view.
Personal Investments • Roth IRA allocation
I started a Roth 17 years ago, contributing the max allowed. Downside is most of that time was with Edward Jones but after I learned I was invested in over 20 garbage, high fee funds about two years...
View ArticlePersonal Finance (Not Investing) • Estate Planning - Whole Life Insurance...
Mid 30s, $12m+ liquid net worth -- more if you include value of small business. Working through some estate planning with the wealth managment division of the accounting/tax firm I work with.Their...
View ArticlePersonal Finance (Not Investing) • IRA partial distribution direct convert to...
I'm very worried I made a mistake by doing an IRA partial distribution as a direct transfer/conversion to Roth IRA.And if not, then what is the correct distribution code for 1099-R Box 7 please?I made...
View ArticlePersonal Consumer Issues • I would like to close a roof vent from the attic...
I was looking for an easy way to close a roof vent.Statistics: Posted by Ava — Thu Sep 19, 2024 3:00 pm — Replies 6 — Views 252
View ArticlePersonal Investments • BND vs VMFXX for money needed in 2026
I am 27 years old. I saved up some money for downpayment of house.. which I play to buy in a couple of years (~2026).. I had those savings in VMFXX so far .. I am learning that the 5%+ yield may not...
View ArticlePersonal Finance (Not Investing) • Smoothest way to un-do HSA...
* I have an HSA that started at a local credit union in 2016 and was transferred to Fidelity in 2019. I had an HDHP in 2016-2022, but not in 2023 or 2024.* Apparently I didn't write the intended...
View ArticlePersonal Finance (Not Investing) • IRS W-9 for 'Referral' Discount a Typical...
I recently ran across this situation on behalf of someone else and found it interesting as I was unfamiliar with this practice... He lives in a retirement community / facility and they will give some...
View ArticleInvesting - Theory, News & General • Market all time high - great ! But...
I keep hearing and reading that After the high returns of the last decade, returns This decade will be low to very low. And yet last year s&p500 was 20+ percent, and this year is already 10+ .Are...
View ArticlePersonal Investments • Vanguard - Yubikey - Waiver of Liability
I was taken back a bit by Vanguard making me sign a waiver of liability i order to register a Yubikey with my account. This is a significant enhancement in security over their usual SMS codes. Any...
View ArticlePersonal Investments • Questions on Mega Backdoor Roth
Hello,Until now I have been contributing excess dollars, to taxable, beyond maxing both my wife and my 401k as well as Roth IRA (combination of direct and backdoor).I recently read up on the mega...
View ArticlePersonal Finance (Not Investing) • W-2 Ballpark Check Requested
Hi all,My withholding from my W-2 from the past few years has been off significantly, with the margin of error increasing, and I am wondering why.Here is some info from Tax Year 2023, please let me...
View Article