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I get a Direct Deposit from my rich Uncle Sam on the 2nd Wednesday of each month. My local TD Bank usually holds this Deposit as 'Pending' for a day and that's no problem. I typically check in on a Wednesday afternoon to verify that the Deposit hasn't bounced for Insufficient Funds. Today I...

For 2024 Tax Planning purposes, my DW is just started her Social Security claim this past January. I know that they tax my SS amount up to the 85% limit. How will they treat DW's annual amount next tax year ? Is her total amount lumped together with my total SS and taxed at 85% Or is it...

Just finishing up our TurboTax file this week. My DW inherited a sizable chunk of Fidelity Magellan Fund. It performed nicely in 2023, but it paid out a Short Term Capital Gain that blew-up our AGI. In our tax bracket, Dividends are not heavily taxed. But ST Cap Gains are considered Ordinary...

I spent Sunday searching for a Calculator that would estimate the Tax Bite for incremental Roth Conversions. I discovered that the interweb was sorely lacking in exactly what I was looking for. I would just like to explore the increase in Income Tax for a range of conversions from my IRA into...

I'm doing a little forward planning these days. I know that the IRS wants any Inherited IRA's to be drawn down within 10 years of the Date of My Demise. My IRA's hold a rather large portion of my assets. In the event of my passing, these withdrawals will push DW into a higher Tax Bracket...

We have a Flood Insurance policy on our Home here in South Carolina. When we bought the house 10 years ago we were in FEMA Flood Zone AE, based on 1985 maps. So we started a policy thru Progressive. According to the newly released map, we are now in Zone X. We are nowhere near any storm...

We're traveling to Cartagena in Columbia South America and staying in the Hotel Charleston Santa Teresa. I've been told Harry's Restaurant right in the Hotel is very good. Also their rooftop bar and grill. Looking for any other positive restaurant experiences in the old town section.

I wanted to delve a little deeper into that great John Ford movie "She Wore a Yellow Ribbon" which was shown on Turner Classic Channel last night. Part of Ford's 'Calvary Trilogy' this film was shot in Technicolor, and won an Oscar for Best Cinematography. So with nothing important to do on...

My Deluxe download version doesn't appear to recognize the sale of US E Bonds used for Higher Education. We've received a 1099-INT from the sale at our TD Bank and used these proceeds to pay for DD's Tuition. I'm looking around in the TT Interest category, but I don't see a path to Schedule B...

Sitting here ruminating over my morning coffee. Almost all our 1099's and such have arrived by now. Our Return should be pretty easy this year, no ACA, no Home Office deduction, only 1 Capital Loss to report. I'm wondering about the following.... Submitting our return MFJ, and Dear Wife has...

I'm looking to increase the Bond portion of my Asset Allocation in 2024. I think that Interest Rates will start to drop in Q2 or thereabouts. I currently own TLT (Long Duration ETF) and some FXNAX. I have been using Fido's Money Markets as part of my Bond Allocation, but I think the 5%...

I was just pondering this question -- Is there a typical best day of the month to DCA into an ETF such as SPY, or maybe IWM ?? We don't really need my RMD at this point. I want to roll it into my taxable account with these ETFs. I thought I read about some research into the typical best day...

Quick Question about the Medicare Premium Deduction from SS Direct Deposit. My DW will start her claim in 2024 at age 66. We have been paying her Medicare Premium every 3 months with an ACH out of our House Account. Our next ACH will be due in November, to cover her Medicare for December...

DW has some EE Bonds that she wants to cash and deposit with Fidelity SPAXX for now, then maybe buy CD's soon. These were gifted to her back in the early 1990's and are no longer paying interest. The total amount is a couple thousand bucks. Is this going to be a taxable event for 2023 year...

Well, might have been asked once before..... DW has her Full Retirement Age pegged at 66 and 8 months (October 2024). I would like her to wait til her FRA before starting her claim. But with all the hot air about entitlement programs being cut or FRA's being moved out to 70, I'm wondering...

As a discussion among our more experienced Bond Holders -- What would be a viable ETF substitute for Individual Bonds ?? Would a long duration fund like TLT be a good vehicle to capture the current rates? Would something like IEF at 7 - 10 years be a good choice ?? Something shorter like IEI...

Is there any quick way to determine if the Form 1095-A will have any impact on our Income Tax calculations ?? We have almost all of our Tax Docs in hand (still waiting on some). The 1095-A form lists Dollar figures for each month, In all the years DW has been on ACA, I still haven't figured...

My question involves the 8.7% increase starting in January 2023. My DW's FRA is 66 years and 8 months, which is October 2024. She will turn 65 in February 2023 and start Medicare. It might be more convenient to start SS at that time and just deduct the Premium, rather than mailing Medicare...

Did anyone else notice the story on MarketWatch yesterday about a recent Bank Stress Test -- the article says that 33 out of 34 banks passed the test, except for CapOne (they were given Conditional Approval). CapOne MM has been very good in my limited interactions with them online.....I...

I have a large wooded Parcel behind my house, full of wildlife of all kinds. I've always been interested in bird-watching, and I've taken a particular interest in the Barred Owl that lives back there. Last night, I was watching the sunset with an after-dinner drink. You can hear the...

MarketWatch just re-vamped the website (again) and as it exists now -- it is virtually unreadable. Somebody should tell them that light blue charts on a white background were rejected decades ago. Add to that their absurd mix of articles where their contributors will forecast the next market...

Does anyone have experience opening their first CapOne MM Account ? Is it all done online and then you mail them a $10K check ?? Or do you set up an ACH Transfer with local Bank ? The deadline appears to be 3/31/17 to get their $200 Bonus. Do we think there will be a bigger bonus next...

I'm using DeLuxe for the 2nd year now. It really makes entering the 1099-DIVs much easier in year 2. My question -- Is there a way to print their "Tax Summary" page before all the data is input ?? I would like to compare it to the TT 2015 Tax Summary page. All of the Income has been...

I'm looking for clarification of Fidelity's Bond Fund nomenclature, and the general types of Bond Funds. They have FSITX, a Total US Bond Index Fund Premium Class. There was also some talk about a Total US Bond Fund (not Index). Does anybody have any experience with these Funds ?? What...

Does anyone have a favored Precious Metals ETF or MF that they have been watching ?? I would like to have something at the ready....just in case these terrorist attacks make the whole world go crazy. Every day you turn on the TV there's another senseless butchering in the Middle East. I make...