Recent content by ach88

Still haven't had my 2020 return processed.

When we retired we moved from a 4000 sqft house on two acres to 2400 sqft home with small yard close to the ocean. DW does most of the housework because she doesn't like the way I clean and most of the gardening because she enjoys it. I now wash my car and manage all of the technology. We...

Very good point. We are approaching the top of the 24% bracket. If one of us dies the survivor would be in 35% bracket for fed and 10.3% for state. I guess we need to get more aggressive on Roth conversions.

4% Roth, 31% deferred IRA & 401k, 15% Muni Bonds, 50% Taxable.

Some Deferred Compensation plans can be taxed by original state if election is made to take out over a period of less than 10 years. I was in such a plan and did not know this rule. I elected to take deferred comp over 5 years to bridge to SS FRA. So I now have to file in MASS and CA. I do...

I bought a new car last month. I was going to pay cash but was told of a $1000 rebate if financed through Toyota. I asked what was the minimum I had to finance and was told it was approximately half the cost. I then asked how quickly could I pay it off and not impact the rebate and was told I...