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We just received a vague notice from the Medical Group where we receive much of our health care that they are part of an Accountable Care Organization. I think we may have heard something about this in the past but there was something a bit defensive about this notice that perked my interest...

Has anyone here used a traditional IRA to fund a Legacy IRA as permitted by the Secure Act 2.0? DW and I are 77 and I'm exploring the possibility of funding a Legacy IRA with a QCD. We haven't identified a particular charity yet so I'm reluctant to contact one in order to get details for fear...

I usually try to avoid offering financial advice to friends and family but BIL has investments with an advisor who uses Stifel and a 401k managed by Voya. I'm not really familiar with either of these companies. He's unhappy with the results from the Stifel advisor and wanted to know if he could...

Fidelity combines the account statements for our CMA account along with another of our accounts. I find this confusing and would like to see separate statements for these two accounts. Since there are a number of Fidelity users here I'm hoping that someone can point out how to separate the two...

BIL is planning to retire in January, 2024, and has run into a potential issue involving his current high deductible medical plan and Medicare. He's tried to get information from his HR group, from Boomer Benefits, and from other sources and nothing seems to add up. I'm hoping that someone here...

MS Windows is warning me that a "Performance issue detected. The memory usage of some of your background tabs is high. Either Sleep or Close the tabs." The only tab listed is "Early Retirement". This is the first time I've seen this but thought I'd pass it along as a possible issue with the...

We have a set of home automation smart switches that have worked well over the years but I think the technology is out of date. We use six of these controllers for Christmas lights. One of them failed this year. I was able to order a replacement but there was only one available on Amazon and I...

We are holders of 3M stock and I recently became aware of a tender offer related to the spin off of their food safety business (SpinCo). Details may be found at: https://investors.3m.com/news/news-details/2022/3M-Commences-Split-Off-Exchange-Offer-for-Food-Safety-Business/default.aspx It's not...

We have a number of remote control "smart" switches that are bluetooth based and marketed by GE. The control software is Avi-on installed on smart phones. In addition to using some of these year around, we use six of them for synchronous control of Christmas lights. Now one of the controllers...

Just wondered if anyone has any insight into what was going on here. A few weeks ago, our DD and SIL sold their 2013 SUV in a private party sale. The SUV was well taken care of and they had it detailed so it looked nice. High mileage though - 135,000. A prospective buyer came from a distance...

I am a premium subscriber to LastPass and it has worked well for me over the last couple of years. They are offering a "Dark Web Monitoring" option that I selected not long ago. As a result, I just received 59 emails from LastPass of the following format: "Breach alert: Action required...

We are considering the purchase of a SPIA using funds from our tIRA but I'm wondering how this affects the tIRA RMDs. Does the purchase of the SPIA immediately reduce the balance in the tIRA so that the RMDs for the following year, which would be based on year-end balance, are reduced...

My past asset allocation has been heavily weighted towards equities. Over the last 2-3 months, I've been taking some profits and have begun to build a bond ladder using target maturity bond etfs. The proceeds would be used to live on if there was a downturn in our equity investments. DW and...

For those of us who are subject to RMDs, it has been my understanding that the IRS required that the RMD be satisfied first before a Roth conversion could take place. I went through quite a bit of effort to ensure that we followed the "rules" last year with respect to DW's tIRA, but as I was...

Just wondering who out there may be considering the new Fidelity Go "robo" service? Although it seems targeted towards younger investors, I'm thinking that it also might be helpful to those of us who might want to move to a more "hands off" approach as we age. Thanks in advance for your...

We are booked for a European river cruise in September and I'm trying to decide whether to use my cell phone or invest in a camera to record the sites and scenery. Our photographic "orientation" is more casual these days, but DW would like to create a photographic trip memories book using one...

Saw this Jack Bogle interview this morning and thought it would be of interest to those who are planning for retirement in the short term. Bogle: Tough Decade Ahead for Equity Investors

We are considering going on a European River Cruise, probably in 2016. Based on our limited knowledge, Viking seems to be the dominant line. I was wondering if there were forum members that had done the European River Cruise thing and if you'd be willing to share hints, tips, warnings...

I will be retiring at the end of this week and recently received a notice from the SSA that DW and I will each be assessed a income-related monthly adjustment for Medicare Part B based on our 2013 income tax return. The background is that, due in part to 2013 Roth conversions, we...

What's the best way to keep track of Roth conversions? I have been creating a new Roth account (easy with Fidelity) each year that I convert. So, there would be one for 2011, 2012, 2013, etc. My thinking was that this would allow me to easily track the conversions with respect to the 5 year...

We are seriously considering bidding on some property that is being sold to settle an estate. The property sale is being handled as an online auction. Aside from Ebay, I have no experience with this sort of thing and I'm looking for advice on how to increase our chances of winning while...

Sorry for a rather basic question but I'm considering a tIRA to Roth conversion and I'm wondering about the mechanics of the conversion given the 5 year restriction on tax free withdrawals. If I did a Roth conversion each year, would those need to be to separate Roth IRA accounts? Or can I...

I don't know exactly how I let this happen but a couple weeks ago I allowed a sales rep to see if he could reduce our insurance costs. He came today to deliver the "results" and it turned out that he couldn't beat my existing rate. The problem is that he switched over to a discussion of tax...

I doubt that there are any with dyscalculia on this forum but was wondering if you know folks who have (a lot of) trouble with numbers - Red Tape - Math disorder makes consumers easy prey

We recently became aware that my MIL has a checking account balance of over $50K. Aside from the obvious questions about whether the money should be invested in some other way in order to generate a return, should we be concerned otherwise? To me, it just seems like the money is too easily...