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OH thank you. Well I might have to go for a ride then. Thanks for the prompt reply. edit: Oops - I would need a SATA interface -- Nvme interface too modern for my old hardware. -gauss

Could NOT find it for $17on walmart.com. Thanks anyways. -gauss

If you have only Vanguard Mutual Funds on their old legacy non-brokerage platform, then you might not be able to do an IN-KIND transfer. (This may be possible, but I am not sure of it.) If you are on the Vanguard VBS brokerage platform, then other brokers can receive your assets without...

+1 And remember the popular thread here titled "We are about to enter a Golden Age for fixed income investing". Locking up high fixed income rates for the long term as a worse case scenario is okay with me :) ===================================== LOL - Thanks for pointing out my date...

Well in general it can be more complicated than that theoretically. The IRS instructions say that you can't necessarily use the figure on the 1099-OID form directly, but rather may need to follow their formulas which may result in required adjustments to the 1099-OID value. Fortunately, when...

No the condo was NOT located in CA. The change in bylaws where there was "grandfathering" for existing owners was concerned with the new limitations of renting out units to others. There was also a change at the same time limiting occupancy for those previously convicted of sexual offender...

I agree. I moved 0.5M into STRIPS that will mature in the 1940 to 1948 time frame in order to lock in the high interest rates for the long term. If I needed current income from these assets I might not have gone this route, but I have different rolling bond ladders for current income needs...

You aren't allowed to list it as an itemized deduction on Schedule A Charity. This is because the distribution has already been removed from your AGI. I think that is what Kipplinger's is trying to convey. FWIW There is no double dipping allowed in most cases of tax law. -gauss

I haven't watched very much TV since the "digital transition" in the US (aka change in the broadcast standard). As such I have not really watched any TV news since then. I do however listen to the radio and catch news stories there. I did stop this for a while when I thought the radio news...

Jessica has always been[-] one of[/-] my favorite Allman Brothers songs... So good! -gauss

I wonder if you could change bylaws so that future owners are required to pay cleaning fee while also exempting the current owners (including the deadbeat.) That my not resolve the immediate situation but it would get you on to a path to professional management in this area. The condo that I...

^ Might be a "long day" for those of us that have neither... LOL - Just Kidding...

Sounds like a conversation with a Real Estate attorney with experience in supporting HOA's may be time well spent. Or perhaps the 3 other units would prefer just to look the other way and either clean on behalf of the new resident or let it go. I am sorry that you have to deal with this...

The following two dates would be best for us: Thursday, June 20 Friday, June 21 The following two dates may also work: Saturday, June 22 Sunday, June 23 DW would be joining me for a total of 2 attending. Thanks for organizing. -gauss

Apparently the IRS horse speaks out of both sides of its mouth. A shoutout to Phroig #3 above for pointing out the SECURE 2.0 changes that allow for employer plans to adopt the new "Designated Roth Matching Contributions" rule. A decent overview is here: It looks like these new Designated...

From the horse's mouth: aka IRS.gov It sounds like the matching contributions will go into a traditional 401k and will be tax deferred until withdrawn. -gauss

In 2026 (When the provisions of TCJA that changed Standard Deduction and Personal Exemption amounts expire as well as the provisions that limited SALT deductions to 10,000), I hope to itemize and send some appreciated assets to Charity via my Donor Advised Fund at Fidelity Charitable -gauss

FWIW the IRS allows you to claim the sales tax on certain large purchases (aka specified items) IN ADDITION TO the value from the tables for everything else. As such, I don't see a value in keeping track of the small individual receipts in most cases. Here is a reference form the...

The problem with non-professionals using tax software, is that you really need to know what the answer is before using the software so that you can "drive the software" to get the correct answer. If you have a reference return prepared by a trusted professional from the year before, and nothing...

Perhaps the elected officials are fully named and accountable to the voters. The employees in theory would be accountable to the elected officials and perhaps protected form the general public. Perhaps you could raise your concerns with one of your elected officials? -gauss

joesxm3 - I am sorry for your loss. When I have sold houses, there was often a 1099-S prepared and included as part of the closing documents by the closing firm. It was never sent out separately like a financial institution does. As such, it was never really clear to me whether they didn't...

^ You would have to invest the Roth in Treasury Bonds in order to make a fair comparison.

My fear would be getting a haircut of more than 20% under any modification to address this. IE if they were to raise my FRA to 70 from 67 that would be 24% (ie 3 years x 8%/year delayed retirement credit under current law). -gauss

+1 to FreeTaxUSA. I used them again this year and actually ponied up the $15 to allow a State efile (in addition to the free Fed efile). I found them to be free of bugs that have effected some of the big boys (ie HR Block , TaxSlayer etc) in the past on my returns. It was a pleasure being...

If you won't need the principal soon, consider creating a ladder that goes well into the future. These high rates that we are experiencing now may not last forever. I put $450k into zero-coupon STRIPed US Treasuries that mature between 2040 and 2047. I got YTMs between 5% and 5.25% on...