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A relative of mine does not use a computer. The only way that she can keep a record of her assets (the value of those assets and where those assets reside etc.) is to do so manually (in writing). Is there an existing journal/book or spreadsheet that can be printed so she can simply fill in the blank...

I have a son who has limited computer skills.

I suspect that he will need some means to keep track of his investments/portfolio.

Please provide your recommendation of a book or journal to manually record and keep track of where the money is.

MUCH appreciated.

Legacy is everything to me. I love my kids. My grandkids fall far... far and away behind my sons. Life is unpredictable. Like my parent, I want to give them a chance to live comfortably during their retirement. To me, having money is not about what's in it for me. It's about not worrying about tomor...

There is a skirmish/war somewhere out there or when a company’s impropriety actions surfaces (i.e. Enron) etc? Seems to me this is an unwarranted knee jerk reaction as the market always recovers sooner or later. Is it because there is a money motivator out there of one kind or another behind the dip...

Gill... You ask the following: "Transferring the bond to another owner will trigger income tax on the bond. If this is an irrevocable trust, do you have this authority? Are you sure it's an irrevocable trust? That would be a bit unusual. What is the face value and the current redemption value o...

I-Bond Living In An Irrevocable Trust World Question is: Can I take the Bond out of the trust by changing the owner’s name from the trust name into my personal name then close the bond and pay a lower tax rate (12% versus 24%) based on my personal income tax rate? Background should it be necessary: ...

Thanks Zott... very much. That's it! Mystery solved. Actually I have two (2) trusts.... one (revocable) trust that I created in the new state I moved to -and- one (irrevocable) that a parent left me that morphed from a revocable trust to an irrevocable trust on death. As trustee of the irrevocable t...

Take my thoughts carefully as I do not feel secure in what I write as I would never claim to be an expert so I will just give thoughts... I too wanted to structure my legal/estate paperwork to: 1.) Reduce the effort required of my kids/beneficiaries to obtain their inheritance 2.) Keep the terms of ...

Tax Question This one is difficult for me to figure out. I have an Irrevocable Trust. I am the sole trustee. One of the accounts under the Trust is a 30 Year Treasury Bond. That Treasury Direct account is listed under the legal name of the Trust. Treasury Direct sends me a check for the interest ear...

I am receptive to condos, single family homes etc. I am wide open and considering all. I have lived in apartments for the past 20 years as I have never felt comfortable/stable in my work life to put myself in a position of possibly being laid off (the energy industry has been WAY up and WAY down ove...

Thanks btenny... I was hoping for a high level view on this without going into detail... that is, as a percentage of overall assets, if 20% for a home seemed reasonable to those with the smarts on this board.

Again, I am living within my means... expenses are less than revenue.

Your thoughts, please on the purchase of Real Estate (a home). I am recently retired and am really stressed about spending large $’s on a home. Still, I want to, at least feel, some sense of stability that I believe a home can bring. I moved out of state (to Florida) last year and am living in an ap...

My understanding is that the beneficiary of a Roth IRA must withdraw (annually) an RMD. That RMD would be: Assuming the beneficiary is 40 years old. Assuming the life expectancy tables show 90 years old for that beneficiary. Assuming the Roth IRA is valued at date of donors death to be $100,000. The...

I apologize to the Bogle master family as I am afraid I embarrassed the group… I’m in the 25-50% quartile. As you can see, I managed to drag the group down with my poor test results. Still… I think you high scoring folks owe me a Thank You as (just like in high school where the results of the test c...

Question.... Please, please give me your thoughts. In the last 5 years working, I pushed very hard to put as much $$$ in my 401K Roth (as allowed) and the balance in 401K period as I could. On leaving the company, I rolled over all of my 401K into Roth IRAs. Paid taxes for those accounts that were p...

This is a take-off of the post entitled ‘Online Banking – School Me’… I’ve been struggling with this for a long time. How can any of you… transfer 10’s of thousands ($$$) of your hard-earned money to an ‘Online Bank’ (etc. Ally etc)????? To me I am sending big $$$ to an institution I can’t see or vi...

Hello ... What would you imagine is the greatest security risk for someone maliciously gaining access to your accounts? 1.) Mail/Snail Mail ... someone stealing your physical mail (statements etc.) -or- 2.) Electronic access to your accounts online? My mother, wow I appreciate her effort at her late...

My understanding (could be wrong) is that Medicaid looks back five (5) years to ensure an aged person has not gifted or otherwise disposed of their remaining assets to determine if such action was done purposely. It is clear that Medicaid will take every dime the aged person has as well as any incom...

Should you elect to purchase LTC insurance, I suggest you check the financial health of the insurance provider. My mother paid premiums for many/many years for LTC insurance. Unfortunately she was notified by the insurance company that they had filed for bankruptcy or reorganization years ago. Last ...

My budget is hard line... I am determined to keep my expenses below the combination of my Soc Security + Pension. But I admit that's tight. As far as Medical and Long Care Expenses. The truth is in 10 years I hope not to be concerned about that. I intend to issue an Irrevocable Trust within the next...

But for a guy who is headed to 70 who is not up on balancing and who has rode Enron down to nothing... two (2) failed marriages ($$$$) I'm highly conservative. This is about my kids whom I wish to leave some sense of security.... How awful is this allocation: Cash 2% CDs Roth 35% CD Not Roth 3% Real...

Livesoft.... You responded: "I don't get the question. It reads like you want to buy CDs at Vanguard and Fidelity, so why do you need to research what other companies have to offer?" Reason for looking for other companies is that each deposit is ensured by FDIC up to $250K maximum. But.......

Hoping for your help please. I am moving (transferring) Roth IRA money to Vanguard and Fidelity under the FDIC limits for CDs which I intend to invest in once the transfers are completed. Are there any other comparable large investment companies that I can research to see if they offer comparable CD...

Thanks very much for your responses. It is, unfortunately, what I thought I would get. My deal is.... unlike so many on this forum... my plan is to pass along my Roths on my death to the kids and not take money out of them to live off of. I paid a lot in the form of taxes to covert my 401K to Roths....

I should know this but I don't.

Can the government change the rules in any manner they choose on something like Roth IRAs after we obtain them -and- if so, is it likely they might make it effective on new investments and grandfather (leave as is) existing Roths?

…. Within limits. (Vanguard investment limits that is) I would like to invest in a Vanguard mutual/index fund with my last (2017) Roth purchase ($6500). Status: Retired as of June, 2017 Total Vanguard investments are presently 20% of my total holdings This Roth venture represent less than 1% of my t...

Me likee. But me think this is all talking heads. It's all talk unless someone can give a clue on where you can find SPECIFIC locations that will allow you to build or haul in one of these TIneys. Tell me how to do that and this is worth the discussion. Personally I don't want to live out in the mid...

Looking to retire in Florida. Target 14 months. Preference is to be on the West Coast. But where exactly to buy… I don’t know. Plan is to move into a rental and look around for a year. My question is… how do I narrow the choices down? Not much luck so far in searching the internet. They have sites f...