Recent content by vdesalvo

I believe, didn't see it mention here or I just moved over it, that another consideration in doing a Roth conversation you should think about is the tax problem the surviving spouse will have. You really never know when your number is called.

I'm also not contributing to them because of there views that is why I went with AMAC. Damn near the say benefits as AARP.

Medicare Payment Yep, in the process myself sending in SSA-44 for correction. Retired middle of this year (2023) and did SSA-44 for the correction since I was way up there with my 2022 salary. Medicare corrected my cost knowing 2023 will be less. Well that letter came my way yesterday and as...

Complaining OMG, I think most of ya”ll love complaining & also, love getting off topic to further your complaining. My take on the video was don’t put all your eggs in ONE BASKET, Asset Allocation is important. That was what’s the video point was explaining in my view. From there you decide...

Google Nest Replace your detectors with Nest brand. Automatic self test ever month and sends you the information. When the battery expires (10year) it is time to replace the unit. Remember sensors have a life span.

Widow/Widower I’m taking a slightly different view on my conversions. I’m doing mine so when the day comes and it is a party of one (wife/me) left on this green earth that the tax man won’t take whomever to the cleaners. When you are a single tax payer and RMD kick in with substantial funds in...

Clarify I thought your comment so good that I was in a hurry to reply that I didn’t clarify my comment. Should have been extra heavy cardboard. Did sound like I load up on goods, didn’t it.

:dance: Same here, But i made sure my box was extra heavy.

Electric Mowers I prefer gas for my mower for the extra power and if you run non-ethanol fuel your mower is cleaner burning and will last a lot longer. Never have needed to setup for winter storage and worry about if it was going to start in spring.

Homeowners Insurance Yep, mine went up about 10% and my carrier let me know that the vehicle insurance will be another eye opener. Both with same company. Did increase the value of my home slightly and added a 1mil umbrella policy.

Good quote and right to the point!

After reading this thread about all the different between states. Sounds like the best options is to move to a state that more estate friendly and estate tax free.

401k Fees RxGrad98, one thing to look at before you move your 401k funds to a different account is the fees. Most employers account fees are minimal and advisor fees are .75 to 1% which will add up especially when the market is like now.

Default 20% Tip If you like giving your money away, do so, it’s your money. If I get fair service it’s 10%, better than average it’s 15%, and great service it’s 20%. Bad service you get zip. The type of service they provide to me makes a different.

This Thought Everyone seem to be about taxes, but I see it different as I see it about time and tax free growth. Yes, Uncle Sam is here to stay and does take a big piece of the pie. The longer you drag this on so you save that 2% the less you will/may make in tax free growth and time it has to...