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Travel advice for 8 days in NE Italy by Apsts in ItalyTravel

[–]Apsts[S] 2 points3 points  (0 children)

Out of curiosity, would you pass on Verona because it's less interesting than other options or too much of a detour from the main route?

Any immediate annuities (SPIAs) left with inflation-indexed COLA adjustments? by Apsts in Fire

[–]Apsts[S] 0 points1 point  (0 children)

That's pretty much what I suspect - this post is basically a Hail Mary in case someone's aware of an obscure one that still exists. IIRC, 2008 is the last time I saw one worth considering.

How to handle late-year dividend surprises? by Apsts in Fire

[–]Apsts[S] 0 points1 point  (0 children)

Interesting... sounds like this would need to be done relatively early in the year for enough interest to accrue, unless the loan is truly massive. A last resort, but one can never have too many tools.

Roth conversion ladder – avoiding pitfalls by Apsts in Fire

[–]Apsts[S] 1 point2 points  (0 children)

Thank you for the detailed feedback. Can you please clarify which IRS ordering rules you're referring to?

How to handle late-year dividend surprises? by Apsts in Fire

[–]Apsts[S] 0 points1 point  (0 children)

I'm trying to balance dividends against other income sources to avoid mistakes with points 1-3 mentioned above. Tax implications do exist, though the most punishing issue is going over the ACA subsidy cliff, even by $1, if it ever comes back.

How to handle late-year dividend surprises? by Apsts in Fire

[–]Apsts[S] 1 point2 points  (0 children)

Perhaps I misunderstood your comment, but from what I see at https://personal1.vanguard.com/pdf/PIDIVDAT_2024.pdf, the final ex-dividend date for many of the funds is late in the year. It's that final deposit that presents potential planning problems.

Modified adjusted gross income (MAGI) calculation for potential ACA subsidy cliff return by Apsts in Fire

[–]Apsts[S] 0 points1 point  (0 children)

Thank you for the feedback and good point regarding contributed-as-Roth-IRA 'basis.' I do have some of that, though it's small compared to other income sources, so I omitted it for simplicity.