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Re: Obamacare subsidy and Roth IRA conversion

WhiskeyTangoFoxtrot wrote:He'd have to be 59 1/2 and I'd be 90 wondering where's my funds.


I thought once you were eligible for Medicare, you would no longer be eligible for any ACA subsidies. Did I misunderstand something?
by BrandonBogle
Sat Mar 28, 2015 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare subsidy and Roth IRA conversion
Replies: 13
Views: 2329

Re: Tesla X

Even if they make a delivery in 3Q 2015, they said full production will not be until 2016. Now, personally, I don't think 3Q 2015 will be met when an unveil of the final design hasn't even happened yet and we are days away from starting 2Q 2015. But for those who made a deposit on a Model X, I hope...
by BrandonBogle
Fri Mar 27, 2015 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 15
Views: 1369

Re: Tesla X

Even if they make a delivery in 3Q 2015, they said full production will not be until 2016. Now, personally, I don't think 3Q 2015 will be met when an unveil of the final design hasn't even happened yet and we are days away from starting 2Q 2015. But for those who made a deposit on a Model X, I hope ...
by BrandonBogle
Fri Mar 27, 2015 11:45 am
 
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 15
Views: 1369

Re: how much mortgage would you be comfortable with?

Jeff, I make significantly less than you and do not live in a HCOL area, but I will put in my $0.02. Others have alluded to this as well. Personally, I would not move for another year. Spend the time really figuring out where you want to be, and also actually getting the raise and getting accustomed...
by BrandonBogle
Thu Mar 26, 2015 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: how much mortgage would you be comfortable with?
Replies: 43
Views: 4219

Re: Costco/AmEx relationship ending. New Costco MasterCard?

I say good riddance to AMEX, since it is not used that widely in other places. I get tired of flipping it out, only hear them say, sorry we do not take AMEX. I will look forward to a replacement. Just hope we get all the same perks with the new card. What about Vanguard, sure would be nice if they ...
by BrandonBogle
Wed Mar 25, 2015 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 36790

Re: Where do I learn how much one SHOULD spend on a home?

Op, Kenyan is giving you some great advice here that others have echoed in this thread. A house is first and foremost a consumption item. Even then, you spend time and money dealing with things. Turning it into a rental/investment property is then taking on a second job. While it certainly is possib...
by BrandonBogle
Wed Mar 25, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5044

Re: Obamacare subsidy and Roth IRA conversion

I would say it runs similar to people who reinvest dividends and capital gains in a taxable account. Even though they get more shares as a result, they have to pay taxes on dividends and capital gains and it is included in your income. Now, one could argue that you could withdraw from a taxable acco...
by BrandonBogle
Wed Mar 25, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare subsidy and Roth IRA conversion
Replies: 13
Views: 2329

Re: Where do I learn how much one SHOULD spend on a home?

Homes CAN be good investments, but it is not a decision you should make in a rush or without being well-informed. I will rephrase this that a home can be a good investment towards stabilizing you long-term housing costs. With some variability for insurance, taxes, maintenance, repairs, etc. your ho...
by BrandonBogle
Tue Mar 24, 2015 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5044

Re: One Level or Two Level House

You may also get lucky on the basement. My house's main level has 3 steps in front, but around back, you have to go up the stairs of the deck to get to the main level - the basement is a walkout in the back. I've contemplated converting it to a rental space as my basement is just over 1,000 sq ft an...
by BrandonBogle
Sun Mar 22, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5603

Re: New vs used cars

If I can get 6.5% ROI, even in nominal instead of real terms, personally I won't be worried about "loosing out" on $311k! I'm currently using 2.5% real as my expected growth rate over the next 60 years for my projections. :D
by BrandonBogle
Sat Mar 21, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2640

Re: New vs used cars

The only way to save significant sums of money on cars is to be a cheapskate and drive a beater. I wouldn't say that is the only way. But that and/or keeping cars a long time (around 10 years or even more) will bring significant savings versus changing every 2-4 years. Now, I will say that doing bo...
by BrandonBogle
Sat Mar 21, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2640

Re: Where do I learn how much one SHOULD spend on a home?

I wish I had more advice for you, but I do not. What I will say is that you may want to approach this differently. At your stage in life, you have lots of flexibility. This could mean not buying now if you decide, or buying a house that will not be your forever home, or finding that perfect house to...
by BrandonBogle
Sat Mar 21, 2015 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5044

Re: Lowest income at which able to Max 401k and IRA

I have to thank mom for this. I finished undergrad right during the dot com crash. Couldn't find a job with my BS in Comp Sci and I knew I wanted to get a Masters anyway. Mom told me to transfer to being a distance student and move back in at home. Landed a job in less than a week, but in retail ins...
by BrandonBogle
Sat Mar 21, 2015 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Lowest income at which able to Max 401k and IRA
Replies: 31
Views: 2613

Re: Help w/ my mom's financial situation

For my mother, part of my help was an agreement that she would ignore it and not care one way or the other for five years. This provided enough time that she wouldn't worry about daily fluctuations and then can blow off any blips. That helped, but timing was also fortunate that the market has done v...
by BrandonBogle
Fri Mar 20, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ my mom's financial situation
Replies: 18
Views: 1729

Re: Help w/ my mom's financial situation

I concur with the last poster. Even if she cannot get her own SS because of lack of credits, if she and your dad were married for 10 years, she will still get a spousal benefit of 1/2 of what he would get, minus any timing adjustments (taken at full retirement age, early, or late). Now, if he also w...
by BrandonBogle
Fri Mar 20, 2015 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ my mom's financial situation
Replies: 18
Views: 1729

Re: Car Accident in Front Yard

cherijoh wrote:Looked down momentarily - yeah right! The kid was texting no doubt. Hopefully he learned his lesson - that could easily have been a fatal "accident".


Not that I disagree with you, but "looked down momentarily to change radio station" is what's in the police report.
by BrandonBogle
Fri Mar 20, 2015 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 34
Views: 3048

Re: Car Accident in Front Yard

Last Thanksgiving I had a similar incident, but the wreck occurred in my yard. One of the neighbor's kids "looked down momentarily" and went full speed through one fence/gate, across the yard (gf was letting the dog out and literally jumped out of the way of the car and the dog ran back in...
by BrandonBogle
Fri Mar 20, 2015 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 34
Views: 3048

Re: Tesla S

I thought I read on the TMC forums that some member mounted their "wall connector" to the ceiling and used a tool pulley to keep the connector above the path of the car until needed. Perhaps that is an option instead of detouring the electrical through landscaping.
by BrandonBogle
Wed Mar 18, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78168

Re: Tesla S

If this was previously posted, my apologies. I'm hoping to get my X model towards the end of the year. My electrician says that the Wall Connector will be challenging to install. The 240 40 amp charger seems fine for overnight charging, but I would probably have to install a Ballard since the max d...
by BrandonBogle
Wed Mar 18, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78168

Re: One Level or Two Level House

I have a two-story home and all the bedrooms are upstairs. Kitchen is downstairs but bedrooms and library are upstairs and that gives me a great way to exercise. I go up and down that stairs at least 30 times a day when I'm not at work. I may have a different opinion 20 years from now but for now, ...
by BrandonBogle
Tue Mar 17, 2015 8:12 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5603

Re: Russell 2000 underperformance

I hold a Russell 2000 index fund in my 401k alongside a S&P 500 index fund at a 14%/86% ratio to approximate the Total Stock Market (which is not available in my 401k) per http://www.bogleheads.org/wiki/Approxim ... ock_market
by BrandonBogle
Sun Mar 15, 2015 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Russell 2000 underperformance
Replies: 7
Views: 1121

Re: The Three Fund Portfolio

Welcome PT53! And congratulations on a great tenant in any investment advice - be willing to ask and be willing to be challenge (if it's true and worthwhile, it will survive the challenge). In response to your query, it is no longer true for the purposes of passing through the foreign taxes paid; Va...
by BrandonBogle
Fri Mar 13, 2015 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 472563

Re: Dip? What Dip? Did you catch it?

I guess I'm catching today's progression of the dip - it's payday and I contribute to our 401k.
by BrandonBogle
Fri Mar 13, 2015 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10455

Re: If 2% is real, we are . . . . ?

Dr. Bernstein's predictions are dangerous. They are just as dangerous as those predicting 12% returns who will never save enough. Dr. Bernstein's predictions risk building way too much fear where you spend your whole life as a miser afraid to spend even a penny on anything that isn't absolutely nec...
by BrandonBogle
Wed Mar 11, 2015 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 6224

Re: How often does your credit card change?

I have one card that I think just sits too far at the edge of my wallet. That one will crack and curl, presumably from me sitting with the wallet in my back pocket, and need to be replaced once a year. Beyond that, my cards tend to go 3-4 years until they are replaced because they are expiring. And ...
by BrandonBogle
Wed Mar 11, 2015 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How often does your credit card change?
Replies: 10
Views: 797

Re: My Penfed 5/5 ARM just adjusted down to 2.25%

Congrats black jack! My mother reset hers back in 2012 when their reset also restarted the clock. When they changed that policy back in 2013, we were surprised and wondered if it would be a worthwhile deal anymore since your lower rate would only be guaranteed for less than 5 years (though would lim...
by BrandonBogle
Wed Mar 11, 2015 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Penfed 5/5 ARM just adjusted down to 2.25%
Replies: 8
Views: 1292

Re: If 2% is real, we are . . . . ?

All I'm going to say is that this has added to my recent re-evaluation of whether I was being too miserly/aggressive in my saving. My projections for retirement at 52 are with a 2.5% real growth rate, no social security until 70, at 70 a 66% reduction in what SSA currently says I would expect to rec...
by BrandonBogle
Wed Mar 11, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 6224

Re: At age 27, how much should I have saved up for retiremen

Yes, the habit of saving is the game-changer. I maxed out my IRAs from teenage jobs, contributed at least as much to get a full match from the first job offering it, and increased contributions with every age until the last 8 years I've maxed my contributions. It is much easier to get in this habit ...
by BrandonBogle
Sun Mar 08, 2015 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: At age 27, how much should I have saved up for retirement?
Replies: 30
Views: 3467

Re: Closing docs from old mortgages - shred?

[quote="runner9"]We paid off our home in November (as detailed in another thread) and I'm cleaning through paperwork: I have three folders, one for each mortgage we had, having refinanced twice. Is there any reason to keep them? I have the "Release of Mortgage" document from the ...
by BrandonBogle
Sat Mar 07, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Closing docs from old mortgages - shred?
Replies: 6
Views: 544

Re: Washing Dress Shirts

Wearing an undershirt prevents the shirt from soaking up too much body oils and perspiration. Using good hangars makes a difference, not just for suits but also for shirts. These are a great investment because they last forever. Get ones with a thick support, not the thin bendable wire types. Two g...
by BrandonBogle
Sat Mar 07, 2015 10:39 am
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2705

Re: Washing Dress Shirts

jay22 wrote:
Caduceus wrote:Livesoft ... knows how to pay $0 on $200,000 of income ... Dang!!!

Wait, what!? How!?


http://www.bogleheads.org/forum/viewtopic.php?t=87471
by BrandonBogle
Fri Mar 06, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2705

Re: If you have $1 million...

Those that would still be content rolling in their beat up old civics, perhaps have never sat in a nice car with heated seats, satellite radio, and good acceleration. A little over a year ago my wife upgraded from her civic to make her long drive to work more enjoyable. We have no regrets. I'm not ...
by BrandonBogle
Fri Mar 06, 2015 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6244

Re: Washing Dress Shirts

@cheese_breath, BB shirts are 100% cotton. I wear slim fit, have a very flat stomach, and do not worry about shrinkage since then my abs show better. :D Not all of us are so lucky. :( I for one have worked on it for years, but still look closer to your avatar than livesoft's description of himself!
by BrandonBogle
Fri Mar 06, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2705

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I wouldn't say that the conference is "geared" toward anyone in particular. The hosts take extra care of the first-timers, but the overall feel of the conference is so homey, I can't imagine anyone feeling left out. The educational sessions reinforce (from experts) what you read in the fo...
by BrandonBogle
Fri Mar 06, 2015 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8413

Re: If you have $1 million...

I won't mention how much we have, but it is in excess of $1 million with social security and a pension, though it would not be considered particularly more than " reasonably OK" for solid middle-class in areas like New York or California. Living in a low cost, southern state with no incom...
by BrandonBogle
Fri Mar 06, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6244

Re: Dr. Thomas Stanley

Financial independence on modest means was acheived by Dr Stanley providing the motivation and Mr. Jack Bogle providing the way. Love that statement, especially when combined with the following! I think there is a fine line between enjoying life and pinching penny's. Saddened that Dr. Stanley is no...
by BrandonBogle
Fri Mar 06, 2015 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 73
Views: 11337

Re: At which point [decide to buy something]

I usually wait at least three months before buying something that is not an essential item. By that time, I can usually figure out if I really want something. I would say that 90% of the time, I have forgotten about the item. Before I implemented this rule, I had a habit of buying clothes just beca...
by BrandonBogle
Fri Mar 06, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: At which point [decide to buy something]
Replies: 26
Views: 1520

Re: At which point

If I really want something (not need it) I will mull it over for some time and research it extensively. I try to be honest with myself about how much enjoyment and use I will get out of it. If after weeks or months of this I will buy it as long as I don't have to dip into savings and I know it won'...
by BrandonBogle
Fri Mar 06, 2015 1:03 am
 
Forum: Personal Consumer Issues
Topic: At which point [decide to buy something]
Replies: 26
Views: 1520

Re: At which point

h8 2 lose wrote:At which point did you finally decide to buy something you've always wanted? Not a car or house either :).


When the purchase will not derail your long-term plans or place undue hardship on your current lifestyle.
by BrandonBogle
Thu Mar 05, 2015 5:46 pm
 
Forum: Personal Consumer Issues
Topic: At which point [decide to buy something]
Replies: 26
Views: 1520

Re: Help on Changing 401K Contribution During Year

The point alluded earlier depends on how your company does it's matching. A previous employer of mine matched 6%, but did so per-paycheck. So if this year I got to $18k at the end of November, I would NOT get the match for December's paychecks. Some employers look at the total year. My current emplo...
by BrandonBogle
Thu Mar 05, 2015 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help on Changing 401K Contribution During Year
Replies: 7
Views: 389

Re: Separate Phone for Business?

I went down the path of separate phones and still am today. First it was a work flip phone to my smartphone. Then it was a work Blackberry to my smartphone. Then they offered a BYOD program, but I would have to submit a copy of my bill to share a prorate of business / personal. I have unlimited data...
by BrandonBogle
Thu Mar 05, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Separate Phone for Business?
Replies: 14
Views: 506

Re: Never disappointed.

Undicided Bogleheads: Our first Reunion (now called "Conference") was held in our Miami condominium in March, 2000. I never heard or read of anyone who said they were disappointed they attended any conference! Best wishes. Taylor I will add that the biggest and only "regret" I h...
by BrandonBogle
Thu Mar 05, 2015 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8413

Re: New Homeowner Gift

My sister recently purchased a home in Little Elm, TX. I would like to purchase a gift for her, but I'm having trouble thinking of a gift. My budget is ~ $250. Besides a gift card from her local Home Depot, do you all have any ideas? A high-quality ladder. We received a Little Giant Ladder Systems ...
by BrandonBogle
Wed Mar 04, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 31
Views: 1673

Re: "Americans Aren't Saving Enough for Retirement"

Building upon that, increase the limit to match the level that self-employed folks who own businesses can put away or equal to the amount that a pension plan would need to sock away per individual to replace 50-60% of gross income at retirement. Of course, that is never going to pass as it would re...
by BrandonBogle
Wed Mar 04, 2015 11:27 am
 
Forum: Investing - Theory, News & General
Topic: "Americans Aren't Saving Enough for Retirement"
Replies: 41
Views: 4769

Re: Costco/AmEx relationship ending. New Costco MasterCard?

On the other hand, when American Express acting as a card issuer cut a deal with Costco, it cuts out all it competing card issuers (like Cap One, etc) since AmEx owns its network exclusively. True except for AmEx exclusivity. I have a Fido Amex (issued by FIA a.k.a. BoA) and Citi AmEx that I've use...
by BrandonBogle
Wed Mar 04, 2015 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 36790

Re: Costco/AmEx relationship ending. New Costco MasterCard?

kjvmike wrote:If I can get a 2% everywhere that's good for Costco too, I'll cut up most of the rest.


The Fido Amex pays 2% on all purchases into your Fido account (which can then immediately refund) at the end of each month that you have $50 in rewards accrued.
by BrandonBogle
Tue Mar 03, 2015 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 36790

Re: Taylor Larimore Honored

Well deserved!! :sharebeer
by BrandonBogle
Mon Mar 02, 2015 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5012

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Are you getting married, which would explain all of the "prep" work? :) It was a pleasure meeting you in 2014. Let's look forward to 2016. And here I was originally writing a longer message and thought "who would want all these details" and cut it all out for "prep-work&quo...
by BrandonBogle
Sun Mar 01, 2015 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8413

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

For any first timers considering to go, DO IT! I was a first timer in 2014 and had a blast. Between meeting Jack, the various discussions, the panel Q&A, and meeting our fellow Bogleheads, it was a wonderful experience. Sadly, I have a wedding on Saturday, October 17th as well as preparation act...
by BrandonBogle
Sun Mar 01, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8413

Re: Tesla S

airahcaz wrote:I'm sure most if not all $100K cass do not follow tight Boglehead values, but glad you went ahead and bought it "to live". You haven't "hit the bullet"?


I haven't bought/ordered on yer. Targeting April or May if I do because of various things I have coming up in March.
by BrandonBogle
Sun Feb 22, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78168
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