bigcaat’s Activity

Wed Apr 2

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bigcaat replied to the Retirement Investing board. 6:25 PM

Re: Trad. v. SEP?

<<Probably not. Even if you had spent that money and got some sort of deduction, you'd only be getting about 28 cents back for every dollar spent, so you'd still be out that 72 cents. By not spending, you still end up with more money in your [more]

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bigcaat posted to the Retirement Investing board. 1:28 AM

Trad. v. SEP?

I'm really cheesed. Man, they make it so it's impossible to get ahead. We just finished our taxes and got reamed. Why? Because we were trying to save many instead of spending it. But if we would have spent it on deductions, we would have gotten [more]

Fri Mar 28

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bigcaat replied to the Retirement Investing board. 11:56 AM

Re: Consolidation of Roths?

Thank you, everybody, for your insights. I'm sorry for using confusing language. Thank you 2gifts for the great explanation. I will call my broker and get all of that done.

Rayvt, the reason I would move to Scottrade is that they actually [more]

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bigcaat replied to the Retirement Investing board. 12:50 AM

Re: Consolidation of Roths?

Bottom line, I see it as simplyfying.

Thanks. It's a little scary leaving Vanguard, just because I like them so much, but to have it all in one place seems to make more sense. It seems like we have so many thing in so many places, [more]

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bigcaat replied to the Retirement Investing board. 12:47 AM

Re: Consolidation of Roths?

I don't think so. "Joint" account just doesn't apply to an IRA. Think about what that "I" stands for. There will be two Roth accounts, one for you, one for your husband. You may be beneficiaries on each others account, but you [more]

Thu Mar 27

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bigcaat replied to the Retirement Investing board. 11:25 PM

Re: Consolidation of Roths?

<<The Roth IRAs and IRAs are individual accounts. So no you cannot combine yours with your husbands while both of you are living. (One of you probably is the beneficiary for the other, so on the death of the first then combining may be [more]

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bigcaat posted to the Retirement Investing board. 9:11 PM

Consolidation of Roths?

Hi All.

It's been a while. My husband and I both have Roths at Vanguard. They are both in Target Funds. (I'm wondering if we should think about VTSMX instead, but that's the auxiliary question here.)

We have a brokerage account at [more]

Sun Mar 9

NL

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bigcaat replied to the Pet Lovers board. 4:25 AM

Re: yesterday

LuckyDog

I am so very sorry for your loss. I know how hard it can be. I work with people and animals in grief over losing their beloved fur family. Among others, there is one thing I tell my clients regularly which I hope can help in some [more]

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