Bogleheads.org

I had problems with lag on the ring 2 and ended up changing to the Eufy. Overall performance plus no fee gives it my vote.

Or this one
https://www.amazon.com/CleenSpree-Unive ... 2890&psc=1

You have it correct. https://www.bankrate.com/retirement/hsa ... on-limits/

. Some employers may add additional contributions to your account, but regardless of how much your company adds, you’re still capped at the maximum for your plan type, whether self or family.

WCI goes over it here https://www.whitecoatinvestor.com/backd ... rial/#late
He says you only have to fill in lines 1-3 and 14 if there is no conversion in the year. Then you would fill out part 1 and 2 for this years taxes next year.

I have used a service called Mr Handyman with success. Another option might be a gig service like taskrabbit.

The rule is 401k available, and participating in it. IANAL
From irs.gov. https://www.irs.gov/publications/p590a# ... 1000230433

If you or your spouse was covered by an employer retirement plan at any time during the year for which contributions were made, your deduction may be further limited. This is discussed later under Limit if Covered by Employer Plan. Limits on the amount you can deduct don’t affect the amount that can be contributed

Table 1-2 shows the agi limits for deductible contributions. Single, less than 66 k, mfj, 105k
Unless you are in a pretty high bracket, a Roth or backdoor Roth might be better in the long run.
https://www.pension-specialists.com/pro ... es/150.pdf

When I signed up for pc, They didn’t need that info, they needed your username and password. Anytime you giive a co that info there is a small chance they could be hacked. I feel that the likelihood of me losing money from a hack of them to be extremely small.

The order you add your toppings supposedly has a big impact on the taste of the burger. Should lettuce be on the bottom, middle, top? Where should the condiments go? Cheese on the burger or separated?
This video attempts to answer these pressing questions.
https://m.youtube.com/watch?v=qJskYagyhjE

Sure, you could do this, plus there is the new 529 to Roth IRA provision you could do.
https://www.forbes.com/sites/kellyphill ... 7940205563

My understanding is that the beneficiary inherits the basis of the 529 plan. Distributions are not taxable if used for education, but non qualified distributions are subject to the inheritors income tax rate plus the 10% penalty on the gains in the 529.

Divorce is def state specific, but I would imagine it’s not difficult to delay a divorce for a few months. Some states require a separation first.
https://www.divorcesource.com/ds/divorc ... -621.shtml

The good news is that even though she is not eligible for the backdoor Roth going forward, you can still do yours.

Not putting down EVs, or stoking negative sentiment about them, just posting a humorous story related to a real world inconvenience of an ev. More of a “criminals can be idiots” type thing. An ice car would have been refueled and gone in 5 minutes. Plus a smart criminal would have committed the crime on a topped off charge.

Makes a bad getaway car.
https://www.autoblog.com/2023/03/08/sus ... -charging/

Two people accused of stealing $8,000 of merchandise used a Tesla as their getaway vehicle.
But they stopped to charge it 15 minutes down the road, where police located them.
An image shared by police on social media shows the Tesla packed full of gaming systems.

I use empower, formerly personal capital. They call occasionally, just say no and it’s no problem.
https://www.empower.com/
Have you tried fidelity full view?

Why do you need to roll it over? If you do, you can’t do backdoor Roth’s going forward. Plus you might lose some creditor protection.If you have reasonable expenses in the 401k, you might just keep it there. If you have plenty of other investments, you invest it according to your overall asset allocation, with bonds going in the 401k as much as possible.
You could always put it in an index based target retirement fund, or in the 3 fund portfolio.

IRMAA works such that if you go even $1 over the limit you are subject to it for one year. The law currently states that IRMAA is inflation adjusted, but they can always change the law going forward. https://www.ssa.gov/OP_Home/cfr20/418/418-1105.htm Starting on Jan 1, 2020, the threshold amounts will resume adjustment for inflation as required by section 1839(i)(5) of the Act. In each year thereafter, CMS will set all modified adjusted gross income threshold amounts for the following year by increasing the preceding year's threshold amounts by any percentage increase in the Consumer Price Index rounded to the nearest $1,000. CMS will publish the amounts in the Federal Register in September of each year. Published threshold amounts will be ...

I would recommend making an amortization spreadsheet to monitor your loan balance to ensure the extra payments are credited properly.

I would say that if you are an excellent borrower (high credit score, not much debt, low mortgage compared to the value of home, high salary in relation to mortgage amount) you can skip it. If you are retired then you might need it to help qualify.

You can roll the 2 traditional iras together for simplification, but you might lose some bankruptcy protection for the rollover account. Additionally, you might consider a solo 401k to enable backdoor Roth in the future. Once you create the solo 401k, rolling the rollover and pretax portion of the trad ira into it and then rolling the post tax portion into the Roth might be best.
But 3 accounts at one brokerage is hardly a mess, it’s very easy to keep track of multiple accounts these days.

There are separate limits to retirement plan contributions. Employee limit is accross all accounts, whereas each employer limit is separate.

https://windgatewealth.com/two-for-the- ... -two-jobs/

1. A backdoor Roth does not count as a withdrawal.
2. You both can do a 60 day withdrawal and replacement, as it is an INDIVIDUAL retirement arrangement. Remember that they will withhold 10% so you need to come up with that from elsewhere to return to the ira.
As an aside, you shouldn’t be doing backdoor Roth’s if you have a trad ira. See pro rata rule.

https://smartasset.com/retirement/a-gui ... -roth-iras

IRS rollovers
https://www.irs.gov/retirement-plans/pl ... %20control.

This comes under the “money is fungible” doctrine.
https://learn.robinhood.com/articles/6e ... ngibility/#

I remember snorkeling at a beach in St Thomas while in the navy, but that was 40+ years ago. Fond memories. I recall there was a lot of sea life present, but no larger creatures. I believe Coki beach was where I went.
https://stthomasactivities.com/blog/7-b ... 20vacation!

One exemption from the penalty is college tuition. Perhaps the software knows he is in college?
https://www.nerdwallet.com/article/inve ... you%20died.

Perhaps it was considered an excess contribution distribution because he was not vested? I think this is code P on the 1099R.
Another reason for the distribution is that many plans won’t let you keep money in them if it is less than 5k, and they send you a check that should be rolled over to an ira within 60 days.
An error in entering info in the software seems likely as I know of no 1k waiver on 401k early withdrawals.

I’ve read several finance gurus who recommend push over pull. Assuming no fees of course.

https://thefinancebuff.com/transfer-mon ... -pull.html

When you transfer money between two accounts you own, if you have a choice between push and pull, push, don’t pull.

This is because when you push, the sending bank knows how much money you have. It lets you push only if you have enough money in your account. When the money arrives at the receiving account, the receiving bank treats it as good funds because the sending bank already verified you have enough money before sending it. There’s no hold on the money pushed in

I haven’t done this personally but vanguard does not charge to move assets to another brokerage. From vanguard,com

Vanguard doesn't charge fees for incoming or outgoing transfers

There is one annuity that bogleheads aren’t opposed to, the spia. I have seen https://www.immediateannuities.com/a/sp ... O2EALw_wcB recommended for annity searches before.
Look into getting the best return from the highest rated companies as mentioned here
https://www.immediateannuities.com/insu ... y-ratings/
Of course you could ladder your annuities with different companies to spread the risk.

Night time charging is better right now, but what happens when EVERYONE is charging their ev at night? Many places are having problems with their electric grids already. Plus, what do us apartment dwellers do? And the people in northern states with freezing temps and no garage? Exactly how much lithium and other metals etc is there that can be mined before we run out? It seems to me that we are heading a little too fast towards evs. I know it will be years before everyone has to have one, I just don’t think the infrastructure is there yet for mass adaptation. I fully expected my next car to be an ev, but now that I don’t own a home it’s a totally different proposition. GM, all electric by 2035 Volvo all ev by 2030 Toyota 2040 Mercedes 2030 ...

It will be income only if they sell, and only the amount above your basis.

Yes, Fidelity has a procedure for gifting here
https://www.fidelity.com/customer-servi ... ift-shares
And here is info on tax implications of gifting
https://www.getearlybird.io/blog/stock- ... st%20basis.
Recipients never owe gift taxes, and you can use your gift tax exclusion (17k for 2023) (or fill out a form for irs if gifting more than 17k (12.9 million lifetime)) to not owe taxes yourself.
Note that if you gift etfs, you gift your cost basis so if the recipient sells they will owe cap gains taxes on your basis.

Any chance you are willing to diy? How much will they charge? How do they invest? Are they fiduciaries?
At a minimum you should do a thorough interview. I would interview the proposed firm plus several others if your really need a fa. Or better yet look into vanguard pas.
https://www.whitecoatinvestor.com/quest ... l-adviser/

It’s impossible to know the future. You could lower your stock allocation and the market go up in the next 2 years, which will make you regret it. Or it could godown and you will be glad. Most would say make the change now. I would say your desired aa takes precedence over the current market conditions. Or you could always dca over the next 12 months.

Fidelity Hsa and joint cma account.

True.

https://smartasset.com/checking-account ... -insurance

Joint accounts: Accounts opened by multiple people, including spouses. The FDIC insures $250,000 per person in joint accounts (for a total of $500,000) and divides money equally among owners for this purpose.

Go ahead and sky-dive, accidental death is an exception to the 9 mo rule.

https://www.socialsecurityintelligence. ... quirement/

The usual length of marriage requirement is straightforward: if your legal union lasted at least 9 months before your spouse passed, you probably qualify for survivors’ benefits.

If your marriage did not last that long, that doesn’t mean you can’t receive survivors’ benefits. But you do need to meet one of the exceptions to this length of marriage requirement.

These exceptions include situations in which:

The death was a result of an accident,

Well that’s good news, the account is titled as an inherited ira so the 300k should not be taxable. G4 indicates the following If you are a non-spouse beneficiary of a qualified retirement plan and elected to have your benefits roll over to an inherited IRA in 2022 (after the original account owner’s death), you will receive a Form 1099-R reporting that amount under distribution code G4. The rollover received in the IRA will be reported on your Form 5498. https://www.edwardjones.com/us-en/client-resource-center/tax-statements-resources/tax-resources/general-tax-filing-questions/retirement-account-questions#:~:text=If%20you%20are%20a%20non,amount%20under%20distribution%20code%20G4. Now is anyone going to address the ELEPHANT of having money ...

How exactly is the account titled? Agree that if the money is not titled as an inherited ira, the entire amount is taxable and can’t be fixed. IANAL
https://paytaxeslater.com/radio-show/ye ... ott-cpa/#7
See section 7

the basic requirement is that the name of the deceased IRA owner must remain in the account title. So, if Jim Smith dies with an IRA, the titling might read “Jim Smith, IRA, deceased, date of death, for the benefit of — or FBO — Jim Smith Jr., the son.” And that’s how it stays for the entire rest of Jim Smith Jr.’s life. But if Jim Smith Jr. jumps the gun or puts it in his own name, the whole thing is taxable, and that mistake can’t be fixed.

They charge 0.3% of the money held & invested at vanguard. Say you had a legacy non vanguard mf held in your vg brokerage account and you don’t want to sell it as you would have to pay too much taxes. Vanguard will consider it when they set up your plan, but not charge you for that % of your assets held at vanguard. They won’t manage non vanguard assets, but might make generic recommendations, like put your 401k in bonds, but that is just an educated guess.

There are 7 reasons to do the IRMAA appeal.
There are 7 qualifying life-changing events:

Death of spouse
Marriage
Divorce or annulment
Work reduction
Work stoppage
Loss of income from income producing property
Loss or reduction of certain kinds of pension income

Why do you think there is not still one million in the account? From bogleheads wiki. https://www.bogleheads.org/wiki/Dividend Dividend distributions are accumulated in the fund's NAV all year long. Then when paid, the fund is reduced by that dividend amount. (This is not true of most Vanguard bond funds, as noted above. See Net asset value (NAV) for more detail.) If dividends are reinvested, then you simply receive additional shares that equal the dividend amount times the number of shares you already owned. The distributions can be considered as a bookkeeping tool to get stock dividends and bond interest income off the books and out to investors either by reinvestment in additional shares or as a cash payment. For example:You own 500 shar...

There is no comparison, empower is way too expensive.

Another option might be to do the wired 5 point splitter, then add a Bluetooth transmitter to a couple of them. No idea if this could induce lag, but might be worth a try and not having multiple cords to get tangled.

Don’t forget that the amazon visa card gives you 5% back on Amazon purchases. Missing the 0.25% tho

Just a clarification from the internet grammar police!
OP is referring to a Roth Conversion. A backdoor Roth is when you contribute to a trad ira and immediately convert it to a Roth to get around the contribution limits.

It’s on a tax year basis. She will file single for 2022, so she can do regular Roth, but for 2023 she will need to do backdoor as she will file mfj.
Also, in case you were wandering about filing separately, she would still need to do backdoor (assuming you live together).

The need for a broker is much less now that you can compare prices easily at Medicare.gov
I used boomer benefits several years ago and was happy with them.

She will need to do the backdoor Roth as well, assuming she has no trad or sep ira. The mfj limit is 228k. The max contribution is 6500 for this less than 50.

https://www.schwab.com/ira/roth-ira/contribution-limits

One way to find out how to contact human beans at a company is the gethuman.com website
https://gethuman.com/phone-number/Experian

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