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You have to answer the "(What's your Liquid Assets)", and "(What's your Net Worth)", for all accounts or it won't proceed. You are also asked what is your goal with your investments. These are Brokerage boilerplate type requirements according to Vanguard. I chose the first (lowest...

I'm in the process of converting our retirement and joint accounts now. I posted my reason for converting our accounts in post #39 (Vanguard provides SIPC insurance coverage only on Brokerage accounts). I had been considering doing it for a while, but am in the process of doing Roth...

This is the very last part of the email notice sent to my wife (full email text added below), asking her to transition her accounts to brokerage. It's down in the Legal notice. It was not in bold as is the rest of the email's Legal notice. An interesting bit of information. SIPC coverage is...

I always looked at it that if you didn't need the money - consider taking it early, but if you thought you might - consider waiting. We took at 62.

Went through the same thing with GEICO last renewal. Umbrella went up big time along with the car insurance (house with another company - best deal, go figure as we normally bundled them). Also contacted them, as the umbrella price increase was what I considered excessive (increase was +60%)...

I retired in September of 2009 at 58, when the start up company I was working for went under. Was pretty much ready to retire financially, so decided I'd had enough fun (although I did some very part-time consulting for the 2nd start up company that rose up out of the ashes of the 1st start up...

I wanted to follow up on this thread with some additional information I've gotten on the (2) Roth 5 year rules. I was mistakenly looking at the (2) 5 year rules as uniquely applied to the two different areas of Roth IRA accounts - contributions and earnings, and conversions and their earnings...

Everything you've re-stated here from your original post, I agreed with. When you stated the IRS didn't use qualified and non-qualified distribution terminology, I just referenced where I saw it (IRS) for the followers of this thread, and it was not meant to call you out on it. I've seen this...

I've seen these qualified/non-qualified Roth distributions references in other online articles. https://smartasset.com/retirement/roth-ira-qualified-distribution But you stated the IRS didn't use it, and I recalled seeing it on their website recently (the other link - post #130). Please...

I took the definitions from this info - https://www.irs.gov/retirement-plans/designated-roth-accounts-distributions

I believe you stated the same things I did (post #123), only I used more of the king's English to to say it.

I originally asked if the penalties and taxes SecondCor521 was referring to applied to those under 59.5. I went on to describe if not - why I then found the ordering rules to conflict with the 5 year rules. I thought the "separate" 5 year rules for Roth contributions and Roth conversions were...

Being subject to taxes and penalties on earnings withdrawals applies to when you're under the age of 59.5? If I understand your stated withdrawal order process (IRS) - The only thing available to someone doing yearly Roth conversions (after the 5 year timer is satisfied) is the initial...

On this thread there are also questions on the 5 year rule for conversions. I understand that the IRS sees Roth conversions as FIFO (first in - first out), and co-mingling of funds really isn't an issue (as they see it). But I plan on doing Roth conversions annually until it's all converted...

I don't mind telling you that I heard conflicting feedback, but no one was sure about the right answers. I can also tell you that the conflicting info came from sources that handle this specific scenario, but none had looked at it as I presented it (custodian paying taxes, replacing the taxes...

I wanted to follow up my original post regarding Roth Conversions and placing the Federal Taxes withheld into the original Roth conversion account within the 60-day window rule - and possibly doing multiple Roth conversions during the year in the same manner. I searched for clarification of...

I believe you could pull off a 2nd Roth conversion with Vanguard withholding/paying Federal taxes and replacing it within the 60 day window (a rollover under the one per year rule), if you are married and your spouse has their own IRA/Roth accounts. Kind of a way around the rule using his/her...

I understood it to mean that when Vanguard converts the IRA to the Roth, it codes the funds going directly into the Roth as one transaction, and the funds that go to the Feds for taxes as another (cash). It was the replacement of the taxes (cash) amount from the IRA sent to the Feds, that you...

Ok, a little curve ball on this method of IRA to Roth conversion. Spoke with a person who told me that he didn't think that you could do more than one conversion per year utilizing this method. The issue isn't that you can't do more than one IRA to Roth conversion during the year and have...

I can't take credit for it, as it was discussed off and on in this thread. I did think it is a great way to avoid estimated quarterly tax payments, and the complications of Form 2210 (uneven income justification to avoid tax penalties). Also for income streams where I could not or did not...

Thank you both for the quick responses. My (apologize) long post was to explain that after reading this thread - I thought that having Vanguard do the Federal withholding was a great way to avoid - Paying estimated quarterly taxes. Filing a year end Form 2210 for uneven income throughout...

We have Vanguard regular mutual fund accounts (old style) and not a Brokerage Account (new style). We can do Roth conversions from our Rollover IRAs to our Roths, and we can select the tax withholding percentages online without having to call and get someone to assist with the transaction. I...

Computer Monitors usually don't have TV tuners for OTA TV. I read some time ago (things might have changed) that the United Kingdom average TV size is 37".

We've owned an LG plasma TV for awhile now, and I'm probably going to cry when it dies. Wish they had kept up the technology, but although it was the best picture around, it was too expensive to compete with cheap LCD/LED TVs, and also couldn't be profitably built under a 42" screen.

Just have to look at who owns OTA network TV, and this becomes clear. As for being an early adopter - Next Gen TV is now tentatively scheduled to kick off in aro. 60 markets in mid 2021. It was supposed to kick off now, but Covid-19 is being blamed for the delay -...