You can use "Rufus" to upgrade an incompatible computer to Win 11. I did it last year with 6 PCs I have around the house, including a nearly 20 y/o Dell Latitude laptop. No troubles; all seem to work fine.
"... my decision to sell up and retire." I'm curious about your use of this phrase. In American English we say, "... sell out and ...". Our implication is clear - "I'm out, so leave me out." Is selling up considered to be something different in Irish English?
Completely agree with using this approach. Both Vanguard and Fidelity also allow even-number percentage withholdings for federal tax. The withholding shows up on the 1099-R. Both entities will also withhold for some states as well. In January, I set the RMD tax withholding amount to be close to the previous year's tax liability. That keeps Vanguard from dunning me all year about it. Then I watch my current year tax liability as it varies through the year. In December, when I have a pretty good idea what my tax due will be, I'll adjust the RMD tax withholding percentage and date of withholding as need. Tax "withholding" is deemed to have been done uniformly throughout the year, obviating the need to do quarterly filings. Easy Peasy...
Received my Kaiser MA "Annual Notice Of Change For 2026" the other day. The Monthly Plan Premium is going up by 41%, many of the copays are going up by 50% and the benefits have been reduced. This is for the Silver HMO plan. Kaiser is very efficient and I'm sticking with them.
A very wealthy surgeon I worked with for 10 years had a bit of advice: "Don't look rich!" He drove a beat up, old pickup truck and lived in a regular ranch house.
Words don't seem enough. In the Jewish tradition a person dies twice: the first is the physical death of the body; the second is when the person is no longer remembered. I'm confident that Jonathan's second death will be generations away. RIP.
Comments
I vote for doing the larger sum conversion with current income paying the taxes.
Post: The Paradox of Smart Money Decisions
Link to comment from October 26, 2025
You can use "Rufus" to upgrade an incompatible computer to Win 11. I did it last year with 6 PCs I have around the house, including a nearly 20 y/o Dell Latitude laptop. No troubles; all seem to work fine.
Post: Heads-up for TurboTax Desktop Users (& 2025 Tax Planning)
Link to comment from October 24, 2025
"... my decision to sell up and retire." I'm curious about your use of this phrase. In American English we say, "... sell out and ...". Our implication is clear - "I'm out, so leave me out." Is selling up considered to be something different in Irish English?
Post: “Hi ho, hi ho, it’s off to work we go.”
Link to comment from October 23, 2025
This is very interesting; I never heard of it. Thanks for describing the process.
Post: 351 Exchange – Tax-Free Transfer of Individual Stocks to an ETF
Link to comment from October 17, 2025
Completely agree with using this approach. Both Vanguard and Fidelity also allow even-number percentage withholdings for federal tax. The withholding shows up on the 1099-R. Both entities will also withhold for some states as well. In January, I set the RMD tax withholding amount to be close to the previous year's tax liability. That keeps Vanguard from dunning me all year about it. Then I watch my current year tax liability as it varies through the year. In December, when I have a pretty good idea what my tax due will be, I'll adjust the RMD tax withholding percentage and date of withholding as need. Tax "withholding" is deemed to have been done uniformly throughout the year, obviating the need to do quarterly filings. Easy Peasy...
Post: How do you pay income tax withholding in retirement?
Link to comment from October 15, 2025
Never? How do you rebalance?
Post: Are You a Trader or an Investor?
Link to comment from October 7, 2025
Received my Kaiser MA "Annual Notice Of Change For 2026" the other day. The Monthly Plan Premium is going up by 41%, many of the copays are going up by 50% and the benefits have been reduced. This is for the Silver HMO plan. Kaiser is very efficient and I'm sticking with them.
Post: Medicare Advantage update- it may be a bumpy ride.
Link to comment from October 7, 2025
A very wealthy surgeon I worked with for 10 years had a bit of advice: "Don't look rich!" He drove a beat up, old pickup truck and lived in a regular ranch house.
Post: Nothing Fancy, That Works for Me.
Link to comment from October 7, 2025
Words don't seem enough. In the Jewish tradition a person dies twice: the first is the physical death of the body; the second is when the person is no longer remembered. I'm confident that Jonathan's second death will be generations away. RIP.
Post: Farewell Friends
Link to comment from September 23, 2025
Don't pay attention to Mr Bengen's Rule. SS + RMDs cover everything. Large slush fund for backup.
Post: Are you actually using the 4% rule?
Link to comment from September 17, 2025