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I agree. I certainly didn't expect to be able to convert from my IRA to my spouses Roth but the option was there. My bet is that had I chosen her Roth, it would have not counted as a conversion. The conversion I did was all within Vanguard.

I didn't actually do it but today when I did my conversion at Vanguard, when I got to the point where I had to select which account the conversion was to go to, I was given the option of either my Roth or my spouses Roth

But a hacker must still know/guess my password, correct?

+1

I did that last year via a phone call to my local SS office.

Does anyone have experience with Citizens bank (www.citizensbank.com)? I was contacted by them this morning about a HELOC and they seem to have just what I am looking for. They say they will give me a HELOC with absolutely no up-front cost equal to 80% of the value of my current home. I was...

Thanks to all for the feedback. I'll definitely check out the HELOC option.

I am relocating and want to have about 2 months of overlap in ownership of my current and new home. The home I am selling has no mortgage and should net around 450k. The home I am buying will require about 400k at closing (I have already paid 20% down on the new home). Is a HELOC the way to...

As best as I can tell, I'll still be at 22%.

DW and I were late to the game when it came to doing our Roth conversions. If it were not for the great people here we probably would have never started and we would still be reveling in paying little or no federal income tax. We have been doing some small conversions (25k to 35k) for the...

Not to mention that if you have two or more of the same fixture that you probably won't be able to find an exact replacement and will need to replace all of the matching fixtures.

After reading this and some of the other replies, the "Ah-ha" moment (more like a "duh" moment) happened. Thanks to all and Happy Holidays!

Thanks for the replies. Yes, conversion, not rollover. I have already taken into account all of the recommendations relative to paying the taxes with other funds. In reality, I only want to have about $500 of federal tax withheld. I thought this would be a lot easier to do that what it looks...

This morning I tried to do an online Roth [-]rollover[/-] conversion from my 401k Rollover IRA to my existing Roth account at Vanguard. When electing to have taxes withheld, a different than usual series of online forms must be completed. I got to the point where I entered the percentage of...

Another interesting spot in the video is at 21:05 - Mayo Clinic won't take most MA plans.

Anyone considering an MA plan should watch this video. I think it will be well worth your 40 minutes. Christopher Westfall has many good videos dealing with all aspects of Medicare and Medicare Advantage plans. If you don't have much time, skip to about 10:30 in the video.

Look closer - many other items may have increased. Foe me, my premium went down but tier 1 and 3 drug costs went up. So did my deductible. Overall, an increased in the annual cost.

When our 20 year old daughter died in an auto accident, of the over 100 sympathy cards we received, exactly one had money in it.

Know What to Expect - The Final Chapter After calling my local SSA office on 5/27/2022 and making them aware of the issue with my benefit amount, today I received a letter from the SSA stating that they have corrected it. :dance: No explanation was offered as to why it was initially...

I get what you are saying but it seems to me your situation (claimed benefits BEFORE age 70) is different from mine (claimed benefits AFTER age 70). This is making my brain itch!

Thanks for pointing me to the DRC/DRB issue. Does this really apply to me since I applied for benefits for AFTER age 70? In what zaqxsw posted the key phrase seems to be "If you start drawing benefits between FRA and age 70". In the link SevenUp provided, once again it says "SS benefit...

Here is the first page from the AnyPIA app downloaded from the SSA website. It is the current version and I have triple checked the earnings entered against the earnings as shown on the SSA website. Wed Jun 01 13:52:47 2022 Summary of results Name: RASAP Social Security number: XXX-XX-XXXX...

I have been collecting spousal benefits for several years while waiting to turn 70. Ever since then, I no longer receive statements for my account. As I said previously, I completely agree with my PIA for 2021 that they have quoted me on 3 separate occasions ($3001. 60). And based on that PIA...

Unfortunately no. When I go online to my mySSA.com account, the number is 3692, not 3962 (the June payment is available online now).

I was born in 1952 (turned 70 this month) so yes, my FRA was 66. It is a mystery to me too because, I agree that is seems highly unlikely that there is any manual typing of numbers. This is what worries me. However, even with my conversations with multiple SSA agents, I have all of them...