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Received the following email yesterday from Vanguard. Particularly do not understand the last note on the bottom. So does this mean if we buy cd's or exchange Vanguard funds or switch funds, that are within the brokerage account, or they mature and go to the brokerage account- we get charged a...

An interesting Fidelity calculator, new to me at least in that I had not seen it before. Enter retirement savings, ss, and pensions, age to take WD, and life span. Play with portfolio allocation and life span...

Bought some Vanguard CD's earlier this year and have one coming to term this week. Do they automatically renew or do I sell it on the due date?

Not a comforting thought to think many of us may be unable to get insurance in the future. Seems companies are pulling out of risk areas due to global warming, particularly in hurricane and fire areas. https://apple.news/AVXqEi89qR46Xv_xMLt61qA

I help my brother pay all of his tax estimates. He recently moved to Wisconsin. Can someone give me please the dates that the quarterly payments are due in Wisconsin? Do they simply align with the federal dates?

Recently diagnosed with osteoporosis lower back and hip. Doc wants to talk about treatments. I am aware that everyone is different, and there are potential side effects. I wonder, for those that chose treatment, did you see improvements, and if so, over what period? Any side effects worth it?

We have decided to purchase some CD's within our IRA that is at Vanguard Brokerage. We will purchase using money market funds within the IRA. I know I have to sell X to buy the CD, but it looks like I need to let the money "settle into" the settlement account before I can purchase any CD's. Is...

We are scheduled to fly out with Delta on Saturday but there is an incoming snowstorm. If Delta were to cancel our flight, is it up to us to reschedule or does delta reschedule us automatically?

We keep about 3 years of expected withdrawals from our IRA in money market funds. We are new to the brokerage accounts within Vanguard. CD rates seem relatively decent, and we are considering purchasing new CD's that are FDIC insured. What, if anything, should we be aware of when purchasing...

Found a "withdrawal calculator" that supposedly calculates your safe withdrawal amount. You enter the age at retirement, funds, amount you want to remain in the portfolio when you pass, portfolio earnings %, age you will die, and pension and ss amounts. It spits out what you can take a month...

DM has a consolidated vanguard statement that shows x dollars of taxable income from her brokerage account. She rolled from the traditional to brokerage in 2022. Her 1099-R and 1099-Div do not include that amount—those forms she received in the mail align with what is online under tax forms...

For those that converted VG accounts to brokerage accounts in 2021, was your 1099 mailed/available prior to the Feb 15 deadline last year? We just converted in 2022 and are wondering if the 1099 will be available by Jan 31 or if we have to wait until sometime in Feb.

We are planning a spring trip with our preteen granddaughter. Will fly into San Diego, and after a few days make our way to Union station in LA. We are not sure about driving in a city as large as LA and do not want to get lost in the wrong neighborhood. (San Diego is mostly airport and zoo, so...

I received the following today from Vanguard. I am suspicious as the form seems to be for employees, the email did not have my name, and I have no idea what the address in TX is. Anyone else in MN receive this?

Interesting article from Barron Regarding a study which says the new safe withdrawal rate is closer to 1.9% The authors come to this conclusion based on longer lifespans and after evaluating data from a wide range of sources. Seems conservative to me even with today’s inflation. But then…...

Does anyone know definitively how Vanguard handles traditional IRA beneficiaries if one of the beneficiaries died before the IRA account owner? Let's say you have an account and name your 2 children. One child dies and you do not change your beneficiaries. Does your IRA once you die go ALL to...

We both have ira's at Vanguard. We rolled DH late last week to the brokerage acct, but how to we reconcile or add this on Quicken? Do we link to the old Vanguard IRA account? If we just "add" it as a new account and delete the old, we lose all the past activity? How have you handled this- we...

Have not been able to get online since early yesterday- can anyone confirm they are also getting an "offline" message. Sure would miss this of not available going forward.

I need an explanation from someone who has done the online Fidelity retirement analysis with regards to the RMD. The yearly spend is equal to sources of income (SS and pension in our case) plus the withdraw from savings. But there is an RMD amount that is over the amount we need to withdraw...

We are planning a road trip with friends. Driving will be split between the couples. Car rental will be in our name. but other driver (a friend) will be listed and added as a driver in addition to DH. While I recognize at a minimum, we both need to have personal car insurance which includes...

It appears Amazon is going to start offering internet via satellite. I suppose competing with Starlink. Will be interesting to watch availability and success between the services. Gee, wonder if that will be included with my Prime! :-)...

I ran across a good paper from Morningstar which they released last November. It explored safe withdraws rates on the most common withdrawal strategies, taking into account various portfolio allocations and looking for a 90% success rate over 30 years. Also included tables for shorter and longer...

Interesting article stating this year's rate MAY get rolled back because it was based in large part on the cost of a dementia drug which is not going to cost as much. https://www.cnbc.com/2022/01/10/government-may-scale-back-medicare-part-b-premium-increase.html

Working on DB taxes. He retired end of 2021, and AGI would require safe harbor estimated payments for 2022. Received final check with withholding (amount just for that check) Jan 2022. No way he would have the cash to pay the same amount of taxes and income in retirement will be much less...

In an effort to get costs under control for many generic drugs, Marck Cuban has launched a prescription drug site. Mostly generic drugs to start and does not accept insurance. Not sure how prices compare as I do not have any prescriptions, but I think this is interesting...