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Personal finance enthusiast, father of 3, and husband to 1 (for 29 years). Civil litigator for 23 years before transitioning to a higher education law practice the last 17. We live in the Dallas-Ft. Worth Metroplex. You can reach me at DanRMalone at gmail.
The Only Other Spending Rule Article You Will Ever Need
2 replies
AUTHOR: Dan Malone on 12/25/2025
FIRST: jackdausman on 12/27/2025 | RECENT: Ormode on 12/27/2025
Jonathan, you're in our thoughts and prayers
11 replies
AUTHOR: Dan Malone on 8/31/2025
FIRST: Jonathan Clements on 8/31/2025 | RECENT: Dan Malone on 9/1/2025
QCDs: Concerns for First Timers
26 replies
AUTHOR: Dan Malone on 12/2/2024
FIRST: R Quinn on 12/2/2024 | RECENT: William Dorner on 12/7/2024
Reallocating QQQ
2 replies
AUTHOR: Dan Malone on 6/22/2024
FIRST: William Perry on 6/25/2024 | RECENT: OldITGuy on 7/7/2024
Comments
Love your pithy KIBS slogan and the academic research that backs it up.
Post: No Such Thing as Easy Money
Link to comment from January 9, 2026
Sounds like QCDs (Qualified Charitable Distributions) are a perfect match for you, Richard!
Post: If You Could Rewind 5 Years Before Retirement… What Would You Change?
Link to comment from December 28, 2025
Ha!
Post: The Supply Chain Behemoth That Puts Amazon on the Naughty List
Link to comment from December 25, 2025
To demonstrate the power of AI, take a look at this comprehensive comparison of various features of DAFs. Quite unbelievable, actually! https://claude.ai/public/artifacts/98c3b7e9-a539-4f9b-91ff-96d3b76776f7
Post: Easy DAF (e.g. Daffy.org) for Donation of Appreciated Stocks
Link to comment from October 18, 2025
I switched from Vanguard Charitable to Charityvest for many of the reasons you mentioned, especially for the low grant minimum of $15 ($500 with Vanguard) and to avoid the minimum annual $250 maintenance fee, which is too high for small balances (Charityvest has a $100 annual fee minimum). Chartityvest uses Vanguard's low expense ratio funds. Overall, I’ve been very happy with Charityvest. There are only two drawbacks: 1) they only communicate via email, which is one way they keep their administrative fees so low (so understandable). They have always been very responsive, though; 2) they do not allow designatation of which investment to sell to fund grants. With Vanguard, I could hold cash in a money market fund and make grants through that account; Charityvest requires grants to come from all investments you hold in your account proportionately. Hopefully, that will change soon, as it appears this is just a software programming issue.
Post: Easy DAF (e.g. Daffy.org) for Donation of Appreciated Stocks
Link to comment from October 18, 2025
That must be it, as I had two embedded links.
Post: ROTH Conversions and Fixed Indexed Annuities
Link to comment from October 11, 2025
(new) Editor: Why was my comment not accepted?
Post: ROTH Conversions and Fixed Indexed Annuities
Link to comment from October 11, 2025
It is clearly best to pay the tax from a taxable account, referring to your comment about “ pay with cash on hand or pay with the conversion.” Read Effect #2 of Roth conversions on Mike Piper’s blog. Piper also spoke on the topic “Roth Conversions – A Deep Dive” at the Bogleheads conference last December, available on YouTube. Otherwise, I look forward to learning more about Roth conversions into Fixed Income Annuities, and especially what the 15 – 18% bonus is about.
Post: ROTH Conversions and Fixed Indexed Annuities
Link to comment from October 11, 2025
Mark, mind sharing your portfolio’s asset allocation and the reasons therefore?
Post: What Could Possibly Go Wrong?
Link to comment from September 2, 2025
Thank you for keeping us posted as you or Elaine are able, my friend. Please know we're thinking about you very, very often, too.
Post: Jonathan, you’re in our thoughts and prayers
Link to comment from September 1, 2025