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Reverse mortgages now almost a must? by dumbstruck
Marke****ch has an article about new rules making reverse mortgages more attractive: "The new math on reverse mortgages" http://www.marke****ch.com/story/the-new-math-on-reverse-mortgages-2016-04-10 . If so, I wonder at what age and conditions it almost becomes a must? They have some boring...
April 12th 16 03:45 PM
by JoeTaxpayer Go to last post
1 9,311
Muni Bond ETFs looking good? by dumbstruck
Here are some muni observations that puzzle me... Muni bond funds recently seem to have some of the steadiest preservation of capital of all the bond types that I track, in spite of the Puerto Rico implosion. PR (and VI) is a critical part due to non-state-taxability, yet muni funds such as HYD...
March 23rd 16 09:06 PM
by dumbstruck Go to last post
3 1,707
AT&T Wireless AWE stock is it of any value by Digger
Stocks were found in dads safe deposit box are these of any value? I can't seem to find any info on them. thanks in advance jeff
February 4th 16 03:49 PM
by saxman Go to last post
5 2,332
Follow-Up Formally Complaining About Bungled 401K Rollover Request by Poe
Hello. I posted here several months ago seeking advice regarding a 401k rollover request that was mis-handled such that I lost money when it was finally liquidated. At the time I asked for advice about how to formally complain about that mis-handling. My original posting is at the end of this...
January 30th 16 03:23 PM
by joanofthejungle Go to last post
9 2,139
Question on the new Social Security claiming rules by [email protected]
I am age 65 (DOB 10/01/1950) and my wife is 63 (DOB 10/23/1952). Prior to the November 2 changes to the Social Security law, our preferred plan had been for my wife to claim her benefit in June 2016, followed by my restricted filing in September 2016 (my full retirement age) for a spousal benefit....
January 8th 16 10:25 PM
by David S. Meyers, CFP(R) Go to last post
4 1,716
Calculating Roth IRA Basis by Bill Woessner
This is a followup to a question I asked back in June. My Roth IRA contains regular contributions as well as conversions from both deductible and non-deductible IRA contributions. I have not tracked the basis over the years, but I believe I have all the requisite paperwork (specifically forms...
December 22nd 15 06:41 PM
by David S. Meyers, CFP(R) Go to last post
4 1,707
Significant changes to social security claiming rules? by Rich Carreiro[_3_]
If I'm reading this correctly, does this mean that lots and lots of "here's precisely how to apply for social security" articles that have been written over the years are now pretty much entirely inapplicable, at least for people born after Jan 1,...
December 22nd 15 06:41 PM
by David S. Meyers, CFP(R) Go to last post
5 1,964
FDIC and NCUA insurance limits for trust accounts by Pico Rico[_2_]
A living trust document specifies 15 beneficiaries, with a first group of three beneficiaries getting a specific distribution of $xx each (relatively small in the grand scheme) and a second group of 12 beneficiaries being the primary beneficiaries receiving equal shares after expenses and the...
December 11th 15 08:13 PM
by joostadeusz Go to last post
3 2,072
capital losses vs HC premium tax credit by Alan[_10_]
On 10/24/15 8:20 PM, dumbstruck wrote: Can anyone explain the rationale for being banned from taking that tax credit if you fall under the poverty line, but welcome to take it for being 1 to 4 times the line?!? Fall under the poverty line and you are Medicaid eligible. Even above the line you...
December 3rd 15 03:41 AM
by dumbstruck Go to last post
1 1,636
capital losses vs HC premium tax credit by Dave[_23_]
On Saturday, October 24, 2015 at 9:30:04 PM UTC-5, dumbstruck wrote: Bad years for stocks give you tax flexibility by realizing gains minus-ed out by varying losses. At least assuming the tax code isn't insane, such as form 8962 (health care premium credit) appears to be. Can anyone explain the...
November 9th 15 06:36 PM
by Dave[_23_] Go to last post
0 1,502
Is there a penalty to exchange Bellsout stock now? by David S. Meyers, CFP(R)
On Saturday, May 23, 2015 at 12:40:02 AM UTC-7, Tom wrote: Do I have to pay a per cent age of the the exchange value for Bellsouth stock if I exchange it on 6/1/2015? Will I get all the past dividends ? Who do I call? Here's the page from ATT Investor Relations regarding the Bellsouth...
July 13th 15 03:44 AM
by David S. Meyers, CFP(R) Go to last post
0 2,020
Roth Conversion 5-year Rule by Bill Woessner
I have a Roth IRA that contains regular contributions, conversions from both deductible and non-deductible IRA contributions (including a 401k rollover) and earnings. I was recently pondering how much of a distribution I could take from my Roth IRA without paying taxes or penalties. I won't be...
July 13th 15 12:55 AM
by Mark Bole Go to last post
2 1,828
Rental House: Keep or Sell? by Bill Woessner
My long-term tenant is finally moving out of my rental house and I am again faced with the decision of keeping it or selling it. I have decided to turn to the fine minds of MIFP for advice. Here are the salient numbers. The Zestimate on the house is $428,692. I think this is pretty reasonable. ...
April 30th 15 07:57 PM
by Tad Borek[_2_] Go to last post
5 1,676
Social Security basics -- and WEP and GPO by David S. Meyers, CFP(R)
Wrote this about a month ago and thought folks here might find it helpful: https://meyersmoney.wordpress.com/2015/03/14/how-are-social-security-benefits-computed-and-what-are-wep-and-gpo/ Debunks a few myths about Social Security up front, then demonstrates how basic benefits are computed. ...
April 30th 15 06:35 PM
by taxed and spent Go to last post
1 1,516
IRA Tax by rwwink
To answer some of this and to complicate it further: When the IRA was first established, it was funded 50/50 by her first employer contributions then 100(her)/0(employer) by her second employer which is where she retired from. So the real investment is about 25% pretax (her contributions), 25%...
February 20th 15 10:56 PM
by Tad Borek[_2_] Go to last post
1 1,846
Asset Placement into Various Account Types by Dave[_23_]
I want to establish the following asset allocation: 15% domestic large cap stock etf 15% domestic small cap stock etf 10% international large cap stock etf 10% international small cap stock etf 10% emerging markets etf 10% real estate investment trust etf 30% intermediate bond etf
November 4th 14 08:05 PM
by Beliavsky Go to last post
3 2,052
The Rise of the Robo-Advisors by David S. Meyers, CFP(R)
From http://meyersmoney.wordpress.com/2014/10/31/financial-planning-versus-the-robo-advisors/ Feedback, as always, very much welcome. --David Financial Planning versus the Robo-Advisors Posted by David on October 31, 2014 Leave a Comment
October 31st 14 07:34 PM
by David S. Meyers, CFP(R) Go to last post
0 1,689
Irrevocable Trust for "Small" Estate? by [email protected]
A friend has about $1.6 million in assets. He is about 61-years-old. After his death and his wife's death, the friend has two nephews (both adults in their 20s and 30s) to whom he wants to leave the estate, one way or another. He is talking to his financial planner and an estate attorney. He is...
September 4th 14 06:59 PM
by Beliavsky Go to last post
7 1,983
How quickly should capital gains be realized in a taxable account? by Ron Peterson[_2_]
Suppose one has $300,000 in taxable gains consisting of stock held a long time. Realizing the entire $300,000 would result in a large tax bill and higher tax prepayments in the current and the following year as well a higher tax rate and other charges such as Medicare. So would it be better to...
September 3rd 14 01:31 AM
by David S. Meyers, CFP(R) Go to last post
8 1,923
margin account and association with Form 1099-DIV by [email protected]
Have a has a margin account with Investit Investment Company. The stocks and bonds in the account earned dividends and interest of $10,000 in 20X9. The $10,000 was paid directly to the margin account and used for reinvestment purposes only. received a substitute Form 1099-DIV which indicated the...
June 19th 14 11:48 PM
by Pico Rico[_2_] Go to last post
2 1,801
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