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I just went thru moving money to Vanguard and found that they didn't want to get involved with 'issues' - even basic ones like you had. I would suggest moving the money over to a standard IRA and then converting it once it is in Vanguards hands. I must admit I am rather disappointed in how they...

It would be nice it was just a matter of the numbers used to set up the 72T, but after a couple of go arounds with the retirement folks at Vanguard, he specifically told me it was they don't want to be involved with the tax issue about whether this causes the past withdrawals to be disqualified...

I'm in the process of moving my investments to Vanguard. One of my IRA's has been set up for a 72T SEPP. The Vanguard folks told me that they took no responsibility for any tax problems from the move. Has anyone moved an IRA like this? Since it's not a move, but a exit and restart with the new...

I'd say sell too. I sold my mother's house as a tear down and now 18 months later the new house was sold. I got the money at the beginning and invested it, so I made money while the builder built the house and then it took 9 months to sell. I missed all the worrying (and expenses of keeping...

I work part time walking dogs three days a week. It's like I get paid for exercising, and since I don't own the agency, if I need to cancel, I can (in fact, at the start, I said I would not walk if it was snowing or the roads weren't clear). I don't have the responsibility of arranging the jobs...

Here's my Splash - all ready to go hiking - she carries water for both of us!

I have a good friend about my age (tho not retired yet), and we talk about sharing a two family house when we get older, as we are both single and don't have any family around. I figure when I can't handle the snowblower any more, it will be time to think about it. I also think about moving to a...

I went with the company Active New Zealand. (website activenewzealand.com). I ended up on a tour with two couples, so it was great with such a small group - and two guides. I looked at their website and they seem to have changed the tours a bit. I went on the Manuka, which is fairly laid back. I...

New Zealand is great. I did a 10 day hiking trip there. Lots of different climate types in a small area. I also hiked in Scotland Highlands. And off to Tuscany at the end of May. It's one of the reasons I ER'd - so I could go on hiking (really walking - no camping - go with a group, so they take...

I'm going through my mothers stocks and trying to figure out their cost bases. I found bigcharts.com, which is close enough for some, but I am stumped how to get prices for stocks that no longer exist. In one case, the company went belly up, so just want to declare the loss. In another, it was...

Even if you can't get your parents to want to meet with a lawyer, I was glad I contacted one who specialized in elder care by myself. Then, when there was a crisis, and I needed to get durable power of atty, I called the lawyer and between the two of us persuaded my mother to sign it. Then...

I did a RLT a couple of years ago for around $1K, including putting the house in it (which cost a chunk to register the deed). I did this not only to save probate money, but to simplify the whole mess for my successor trustee. It seems that it takes 18-36 months to handle it otherwise, so I...

Oh, and a little more. The statement I got from the little annuity says "this contract must be annuitized to waive the surrender charge on withdrawals". So does this mean if I start taking money out either in one lump sum or under my control, I only get cash surrender value? Or if I annuitize, I...

Thanks for the replies. I think I will be able to ask the questions I need when I talk to the companies. These are non-qualified annuities, and I believe the larger one (that is currently at 370K) has a cost basis of about $240K of her money. Do you mean to tell me if she starts taking money...

I'm managing my mother's finances and need to understand how to work with non-qualified annuities. I need to supply around $60K a year for her care in a managed care facility and have a number of sources to draw on. My tax advisor suggests I use the tax-deferred money first. She has two...

I'm going through 'taking over' right now with my mother and if they show any signs of memory loss, or seem a little off, I think it is time to start making some decisions for them. My mother is typical depression era and would save and scrimp and never spend money. She would be upset when she...

Sounds like you have set up the best of both worlds - have figured out how to live and save at the same time. I pretty much followed the same path. Bought a house (small cheap) young and saved a lot. I would buy Honda Civics and run them into the ground. My friends were off spending three times...

I was planning to start a 72t SEPP (substantially equal periodic payments) withdrawal , to start drawing out some of the money while I am in a low tax bracket. My tax advisor says that I have to calculate the withdrawal amount based on the total amount in my IRAs, not on the one account that I...

I'll be staying with my broker, though he is more of a financial advisor, running his own group with a partner - I wanted to mention it as an alternative to doing it on your own. I actually am in fee-based managed accounts, so it is just a little higher than the operating costs and 12b charges...

I've been reading this board for a year or so, and seeing all the new folks, decided it was time for me to announce myself. I've just hit my one year ER anniversary. I was a EE in high tech for 25 years and was ready to make the leap after the latest turn down in the industry. I was glad that I...