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Kompass

I would warn you about ARK the fund has been getting lot of inflows this year. Active management does not do well with scalability where the more money the strategy has the less alpha the strategy produces. If you want to get keep getting higher returns than Index use UPRO/SSO ETF or Index Futures ...

Kompass

bengal22 wrote: ↑Mon Jan 18, 2021 10:35 pm Watching "Pretend it's a City" a netflix 7 part series directed by Martin Scorsese. Funny and a great look at N Y C.

+1 savoring one episode a day

Kompass

I have checking and HYSA at Ally, it was easy to set up a separate savings account that I just use solely for taxes. My accountant sets up the EFTPS for me and just tells me how much to have in that account, it earns as much interest as regular savings account and I don't worry about missing any da...

Kompass

I have checking and HYSA at Ally, it was easy to set up a separate savings account that I just use solely for taxes. My accountant sets up the EFTPS for me and just tells me how much to have in that account, it earns as much interest as regular savings account and I don't worry about missing any dat...

Kompass

Here's a great timeless video song that will bring back memories, or smoky foggy memories, to some here. (enter the time machine. . . . ) :D :D "Oliver: Good Morning StarShine" (click on youtube video/music link below and it will play) https://www.youtube.com/watch?v=whmzEXywq40 j :D What...

Kompass

https://smile.amazon.com/Philips-LED-Dimmable-Frosted-Effect/dp/B014392H0O/ref=sr_1_2?dchild=1&keywords=philips+warm+glow+br30&qid=1609710003&sr=8-2 Have Warm Glow bullet-shaped in the bathroom as well. They work well. I used these when adding can lights to a living room which was next ...

Kompass

Tax free gifting
DAF funding
HSA contributions (if not already done, and do next years tomorrow)

Kompass

Six years ago I inherited a large sum and while my father was what I now know would be an absolute Boglehead and taught me the basics of LBYM, Invest and be patient, I was in no way prepared for his estate and all that would entail. I am thankful that I found this community right away and have benef...

Kompass

Nicolas wrote: ↑Sun Dec 27, 2020 8:55 pm Midnight Diner: Tokyo Stories (2016 —) On Netflix
An anthology of human relationship stories connected by the only open-in-the-wee-hours diner the characters frequent. Resolutions are often facilitated by the owner/chef.

Recommended.

I really enjoyed this as well.

Kompass

Got hit with this too, previous owners (20yr) $4k, me $16k. At least in ten years I can be happy about it and take my rate with me if I move within state, part of the plan. It's interesting. You pay more times for your kids to go to school than your neighbors. And if you are just starting your care...

Kompass

Blues wrote: ↑Fri Dec 25, 2020 5:18 pm Three strikes and you're out.

Good catch!

Kompass

Got hit with this too, previous owners (20yr) $4k, me $16k.

At least in ten years I can be happy about it and take my rate with me if I move within state, part of the plan.

Kompass

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Kompass

Undecided with Matt Ferrell Exploring how technology impacts our lives This fellow has a high degree of interest in everything from EV, next generation power generation, solar everything, and smart home technology. Lots of how to and gear reviews for home technology and follow ups on his own experie...

Kompass

If you think you're better than someone else because you have nicer clothes than they do, you're a jerk. If you think you're better than someone else because you only wear inexpensive clothes, you're also a jerk. +1 Reminds me of the old Dr Seuss story about Sneetches with stars on their bellies vs...

Kompass

There are differences other than size that drive the $$ allocated. I would rather have a small home in a fantastic location, many (most) seem to think bigger is better. If you live where others vacation then your primary home is serving two purposes.

Kompass

I went through this exercise myself a couple of years ago as I wanted a nicer home for myself and wanted to treat it as a diversifier. I consider paid for real estate in a desirable area to be a store of value, (just for me, most here would disagree). I came to the conclusion that 15% is what I am c...

Kompass

I appreciate this, I converted all of my own IRA funds in previous years and believed I could not do anymore. I had hoped this this year might be an exception. I now question my CPA. I believe this is the link to the article, it is poorly written. https://www.barrons.com/articles/time-is-running-ou...

Kompass

Assuming this is a non-spousal inherited IRA, I am 99.9% sure that you simply cannot convert an inherited IRA to Roth, this year or any other year. Maybe your CPA didn't realize you were asking about an inherited IRA? If it was a Traditional (non-inherited) IRA, then yes you could take the amount t...

Kompass

I saw an article from Barron's the other day indicating that this year an IRA RMD could be converted to Roth Strictly speaking that’s incorrect. This year there is simply no RMD, so any money you take out of the IRA can be converted to Roth. In a normal year, of course, you have to take out your RM...

Kompass

BogleTaxPro wrote: ↑Wed Dec 09, 2020 2:52 pm Just to be perfectly clear...you cannot convert an inherited IRA to Roth, this year or any other year.

This was my previous understanding, hence my question. Thank you

Kompass

Assuming this is a non-spousal inherited IRA, I am 99.9% sure that you simply cannot convert an inherited IRA to Roth, this year or any other year. Maybe your CPA didn't realize you were asking about an inherited IRA? If it was a Traditional (non-inherited) IRA, then yes you could take the amount t...

Kompass

I saw an article from Barron's the other day indicating that this year an IRA RMD could be converted to Roth and asked my CPA if it would apply to me with an inherited IRA, the answer was affirmative so long as I used trustee to trustee transfer. I forgot to ask about total amount and they are out o...

Kompass

Yikes! Very glad I got Mother out of this in January. Best of luck to all.

Kompass

Occasionally I consider how much more pleasant life would have been if I was born later. I find myself engaging in this as well....I entered my career field in the 1980s...it was a male dominated field until sometime after 2000...now it's about even numbers....but those 20 years were often a minefi...

Kompass

Depending upon what county you live in your choices may be limited. I buy my own insurance without any employer or subsidies and in the county I live in in California there’s only one company that will sell health insurance to an individual. Makes for an easy selection.

Kompass

Me three!

Kompass

If the purpose of the advisor is to provide emotional support then maybe. If it’s to provide a cookie cutter portfolio like Lifestrategy moderate growth, then no. I agree with this. I did it the opposite way, tried PAS for about a year and then switched to Lifestrategy since for me it was basically...

Kompass

I don't even know if this is possible, so I guess I am looking for anyone who may have inherited an irrevocable trust and knows a little bit about their options. The bank is providing me with paperwork to sign but I don't want to sign myself into a corner. Don’t sign anything until you understand q...

Kompass

Another vote for using a vacuum with a bag. I use a Miele vacuum which has a HEPA filter bag as well as a second separate HEPA filter and a charcoal filter so that the house doesn’t smell like “vacuum“ when you are done. The bags are not cheap but I use a vacuum to clean up dust and dirt, not just r...

Kompass

Since I only dealt with non-qualified contracts I will defer to stinky.

Kompass

CO Reisident here. One thing I've noticed since Netflix closed their Denver distribution center is that I am receiving cracked discs about once a month. This was very rare in the past. I have to believe the longer path through USPS is the cause of this. I noticed this about two years ago, 50% or mo...

Kompass

Having said that my only advice would be don't buy anything you can't return for a full refund and the best bit of cell photography aid I ever found was a remote shutter actuator. Keeping a camera still while having to push on it to take the image is self defeating. I have used these https://www.eb...

Kompass

There are a couple of things that I neglected to mention in my earlier post as it relates to cashing out. The other downstream effect of cashing out beyond the taxes that need to be paid for non-qualified contracts is that the increase in taxable income can of course trigger other expenses. In my m...

Kompass

There are a couple of things that I neglected to mention in my earlier post as it relates to cashing out. The other downstream effect of cashing out beyond the taxes that need to be paid for non-qualified contracts is that the increase in taxable income can of course trigger other expenses. In my mo...

Kompass

“The Richest Man in Babylon”, there are versions of this geared towards different age groups.

Kompass

I am currently reading “Understanding Living Trusts” updated for 2019 written by Vicky Schumacher.
So far seems like a good primer on basics for the living trust portion of planning. As a solo ager the “while I’m alive” part of planning is as important if not more so than estate planning.

Kompass

There may be another option that I have not seen yet. I had a similar situation with my mother who had two non-qualified annuities, one at Lincoln and one at Vanguard purchased in 1990. When I investigated what to do with them I discovered an option at Lincoln to change how it was held from indexed ...

Kompass

A local collective that supports Southern California wetlands restoration projects.

I give my mothers caregivers generous end of year bonuses.

Tipping household help as well.

Still considering where else to give, glad to see this thread for ideas.

Kompass

HomeStretch wrote: ↑Fri Nov 20, 2020 3:13 pm
1210sda wrote: ↑Fri Nov 20, 2020 3:06 pm Are the Lifestrategy funds available at Fidelity or Schwab?
I believe you can purchase the Vanguard LifeStrategy funds at Fidelity for a $75 fee. No fee to sell.

When I transferred my Lifestrategy from Vanguard to Fidelity the fee was picked up by Fidelity.

Kompass

Almost two years ago, people were annoyed at Vanguard for eliminated their Advantage service. Since then, they've also eliminated personal reps. Although there's still a special flagship support phone number, the wait times and rep cluelessness make me suspect it's all one big pot of customer servi...

Kompass

There is also a program widely recognized called "Vial of Life", which would involve placing a symbol on the door, and placing the forms directing care in the refrigerator (usually). I think you mean on the fridge, but I'm not a paramedic. OP I think it's also good to have an estate attor...

Kompass

In CA my HO policy covers it and my umbrella extends that coverage, it's some sort of workmen's comp. When I lived in ID it did not and I was cautioned by my insurance agent not to hire someone who did not have their own. I use individuals so that they can get used to my quirks as to how I want thin...

Kompass

I don't think a vaccine matters all that much one way the other. With so many efforts underway, surely some sort of vaccine is coming. It may be a bit sooner or later, and who knows how effective it will be, how many people will get it, etc. I think what will matter more is how many businesses will...

Kompass

This year my medical insurance renewal notice informed me that they will no longer be providing physical cards. Every doctor I’ve seen for the last few years wants me to produce a physical card along with my drivers license before treating me. I wonder how that will work going forward?

Kompass

I am in the same position and will be very interested in the discussion. Thank you for posting this.

Kompass

Pretty much anywhere along the coastal edge of the west coast will tic most of your boxes. All of the metro areas will be expensive with the Bay Area, Seattle and LA being the worst. As someone who lived in Seattle metro for 40 years, Bay Area for 10 years, and recently relocated to San Diego Count...

Kompass

Pretty much anywhere along the coastal edge of the west coast will tic most of your boxes. All of the metro areas will be expensive with the Bay Area, Seattle and LA being the worst. As someone who lived in Seattle metro for 40 years, Bay Area for 10 years, and recently relocated to San Diego County...

Kompass

From zelle site : “ To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.” Doesn’t...

Kompass

From zelle site : “ To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.” Doesn’t...

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