What do you mean by headaches, if you don’t my asking? Were they trying to deny coverage?
I have State Farm for home insurance myself. So far I haven’t needed to file any claims, but I’m curious how it might play out if I ever did.
What do you mean by headaches, if you don’t my asking? Were they trying to deny coverage?
Who is the 1099 issued to if the primary owner dies?BrokerageZelda wrote: ↑Fri Dec 17, 2021 2:16 pm On savings bonds, POD means beneficiary.
A secondary owner (WITH) is a beneficiary who can be given access to redeem the bond into their own bank account, with the 1099 issued to the primary owner. (Read that sentence and the TD rules carefully, because it's a bit counter-intuitive.) Unless and until you manually assign Transact rights to the secondary owner's TD account, however, a WITH has exactly the same rights as a POD.
The primary owner can change or remove a POD or WITH name at any time while alive.
Upon the death of a savings bond owner, the beneficiaries should contact TreasuryDirect customer service directly, because there is no automated online process for inheritance.
+1Duckie wrote: ↑Mon Aug 30, 2021 8:37 pmPick Fidelity or Schwab for this IRA. If you can't get it done online or over the phone in a reasonable time you can actually walk into an office to have it set up. When things settle down in a year or two if you still want to you can move it to Vanguard then.
Oh man, I definitely missed that part! So the policy isn't like a lottery ticket at all; it's more like a partially paid-for gift to benefit future grandchildren.Awkward-Limit8852 wrote: ↑Tue Aug 24, 2021 12:51 pm Disclaimer: The death payouts from these policies would be for estate tax needs that the daughters' heirs might have upon their passing.
He’s not a Vanguard customer any more; he moved to Schwab and got a $2500 bonus for doing so. Which is pretty sweet.retired@50 wrote: ↑Mon Aug 23, 2021 11:25 amWild Willie,Wild Willie wrote: ↑Sat Aug 21, 2021 7:32 am I have posted before about my dissatisfaction with Vanguard's inability to be flexible. This is just another example.
I, for one, am surprised that you're still a Vanguard client.
From what I can tell, this has been going on for over 4 years. What's the holdup?
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Regards,
Cheez It, we get notices in both places, via email and also in the Message Center, or rather, just under it, in the "Folders" section.Cheez-It Guy wrote: ↑Fri Aug 06, 2021 6:17 am I receive notifications of statement and confirmation availability via E-Mail rather than through the message center. I can't find a setting that would have allowed me to swap it to message center. Are those that receive notifications that way perhaps on the Legacy mutual fund platform?
Correct. From the drop down menu at the top of the Personal Investors log in page select "My Accounts">"Statements" (2nd column from the left) https://personal.vanguard.com/us/Statementsgalawdawg wrote: ↑Fri Aug 06, 2021 5:42 amI'm no longer using Vanguard as my brokerage, but isn't there still a tab under Account Activity where you can find and download your statements and confirmations??ThereAreNoGurus wrote: ↑Fri Aug 06, 2021 1:45 am I have a dumb question. My statements are deposited in the Message Center. If it goes away, where are the statements stored? I also get confirmations delivered to the Message Center. So again same question. (I don't really care about the statements, but I am curious.)
Huh. Totally missed that. I need to get out more oftenYeah, there was something about that a few months ago. They will have both human-based Vanguard Personal Advisor, and Vanguard Digital Advisor which is a direct attempt to compete with all the robo-advisors.
Holy cow. That whole page looks new….is it?
I hope you get to keep it!
Agreed. For instance, you can log into more than one Gmail account while you are in signed in to the Chrome browser, which is convenient - unless that means your password is being exposed!
Thank you. The figure I was quoted may have been for the family plan but only one member of the household needs coverage.MP123 wrote: ↑Mon Dec 14, 2020 11:51 pm An ACA plan might be an option, although as mentioned above time is almost up to apply for next year.
How bad is the employer plan? More than 10% of income for self only? How many employees?
Frankly, most unsubsidized (by government or employer) insurance can be difficult for many to afford so it would be helpful to see how bad this plan is.
Thanks David Jay. I've never heard of "Medicare IRMAA" before but I'll look into it, thank you.David Jay wrote: ↑Sat Nov 28, 2020 1:57 pm Practically, you want to spread out the conversion over time to minimize your marginal tax rate each year. For example, you want to convert $50,000 each year for 10 years rather than convert $500,000 in one year.
The four confounding factors are: Tax rate sunsetting in 2026, Medicare IRMAA (two year look back to age 63), Social Security taxation (when you file, but by age 70) and RMDs at age 72.
In almost all cases sooner is better as it extends the conversion period and thus lowers the size of annual conversion.
Yes, I agree. Thank you!fundseeker wrote: ↑Sat Nov 28, 2020 9:04 pm Shouldn't Said individual go ahead and prepare his/her tax returns for next year to determine, before year end, how much room he/she has up to the next bracket?