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How do beneficiaries work on non financial assets. I assume that with financial assets you provide a death certificate and thats its. But how about other assets, ie. house, car etc In your will they are given to xyz. How does xyz handle it. a. xyz wants to sell the car, does he go to the...

My will was written in 2015, myself - my wife and my son. My wife passed away. Is there any reason to spend $500 to have it redone ? Same with the other 2, durable power of attorney, etc Some of these lawyers make me hesitate. I wanted to ask whether I need a trust, $250 consultation.

How does gold work as an investment. I like other types of investments because at the end of year I can go to the web sites and know how much I have. How does that work with gold. I asked one company and they said that if you call them they will tell you how much THEY would give you.

I have a large sum of IRA and Roth IRAs. My son is the beneficiary. Looking at the taxes he would have to pay at my demise, i.e. ira added to his income would put him high up the tax ladder. I wonder if a good option would be in making the 2 grandsons the beneficiaries for part of it.. (Age...

I have iras, roths and I bonds. Am receiving 100k life insurance, what would be a good conservative investment ?

If the IRAs are in the husbands name, with the spouse as beneficiary (both Roth and traditional), does the spouse just assume them and treat them the same as when the husband was alive ?

I want to transfer an IRA from one Bank to another. Can I have the check made out to me, then sign it over to the receiving bank.

I have CDs spaced out over the next few years, but with the rates so low where else can you put safe money and get a descent return ? Thinking about some short term bond funds ?

Is the monte carlo used primarily when your investments are in stocks. Most of my investments are in CDs, so the monte carlo always looks worse then any other retirement calc that I use.

Want to buy a house and pay for it primarily from the sale of my existing home. But I don't want to sell the existing until we find a new one. Plenty of money in IRAs, but don't want to cash them. What type of short term financing should we be looking for ? Other options ?

I retired in 2005, small pension, my/wifes Social security and the nestegg. Using the nets egg in various ret calculators I should have enough for x years. However, due to the low inflation, the interest on the nest egg combined with the pension and ss, I have more than we require. Should...

If you want to buy a house for 320K, pay 280K cash. What would be the best type of loan for the 40K, 15 years or so. Any where you just pay the interest and then the balance at the end ?

Move or not to move. Can't decide. Early 70s and in reasonably good health, familiar with the current area, doctors etc. Very few friends, no support system. or move to another location close to family and grand kids.

I was thinking about making my son the beneficiary of my Roth Ira, he is 36 yrs old. Will he have to start yearly withdrawals now or not until he is much older ? I assume that it will still grow tax free and he could withdraw some or all as desired.

What is going on with penfeds low rate cds. They use to be good so I put my Roth money in their CDs. R enewals are coming due so I am looking to each cd as the time comes. I am a little frustrated as I had all my roth $ in Pen Fed and standard IRAs in Melrose. Seemed like a nice setup. Any...

Figuring the required minimum distribution. I have my spouse as the beneficiary and my son as a contingent beneficiary. (we both pass then it all goes to my son) Do I use both my spouse and son when calculating the RMD or only the primary (spouse) ?

brain fog I turned 70 in March 2015 Took an early withdrawal in April 2015 Aren't minimum withdrawals per calendar year ? So I can take my next one in January 2016 ?

Can I add the sum of IRA and 401k together for the IRS minimum withdrawal requirements or do I have to withdraw sums from each ?

I turn 70 1/2 during March 2015. Can the rmd be taken anytime in year you turn 70 (2015) or must it be on a date after turning 70. I have CDs due in January and would like to make the withdrawal then.

Next year I will turn 70 in March, so Minimum Required Distribution will be required. 2 Questions: 1. Can I withdraw anytime during the calendar year (Turn 70 in March, have CDs due before, in January 2. If I don't need the entire MRD amount, can I convert it to a Roth after paying...

Any recommendations on a simple budgeting program to track expenses, credit cards etc. for someone who is not very computer literate ?

I have a 5 year CD ladder but these 1.7 type rates don't provide for much income. Where can I get a better return with reasonably safe principal.

Over 65, no income, (pension - ss - interest only). Is there a limit on how much can be converted from an IRA to a Roth IRA ?

I have both standard and Roths in my name. If I go to the big house upstairs, preferred, do the IRAs simply convert over to my wife, she is the beneficiary. Are there any gotchas ?

With CDs so low, what other options exist for low risk investors ?