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Re: Any Legal ways to lower MAGI for ACA signup?

Just received the 2015 Open Enrollment package. My monthly premium has tripled for the same Silver plan and coverage.
by Bustoff
Wed Nov 12, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4136

Re: Florida Retirement Communities advice/thoughts

Too many surly elders down there. Spent December and January in Naples and never experienced so many crabby old farts in one spot.
What is going on down there ?
What is driving seniors to such irritability?
Is it the humidity?
Is it the Muzak?
Is it the white shoes?
by Bustoff
Tue Nov 11, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 30
Views: 4529

Re: Mr Bogle - 20x p/e warning

This is so bogus. CNBC's "Closing Bell" page posted the Bogle video with the headline Jack Bogle’s market warning sign.
However, the video is totally unrelated to the headline or Bogle's remarks -- it's simply Bogle on the merits of indexing.
by Bustoff
Tue Nov 11, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3180

Re: Which Chromebook?

Love my HP14 (except for the color!) and think the screen is fine for general use. Take a look at the reviews on Amazon from real people. I'm always wary of the "professional" reviewers. But, if you're looking for the latest and greatest, the new Toshiba with the 13.3 inch screen (CB35-B3...
by Bustoff
Sat Nov 08, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 4873

Re: Which Chromebook?

HP Chromebook has a 14" screen and most Chromebook's have 11"........... .....an important factor if you're over 65! Lucky3 Did you end up buying one ? You had me thinking . . . until I saw this review: But its 14-inch, 1366 x 768 display is bad enough to convince you of a need for glasse...
by Bustoff
Sat Nov 08, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 4873

Re: Intel 7260 wireless AC card in laptop ?

...Now I always recommend 8.1 over Windows 7 for new systems... Talked to a couple friends yesterday who agree with you. They both have Windows 8.1 and were fine with it. Guess I'll give it a try. Checked Consumer Reports this morning to screen for 15" laptops with backlit keyboards. CR's only...
by Bustoff
Sat Nov 08, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Should I avoid laptops w/ Intel 7260 wireless AC card ?
Replies: 15
Views: 1509

Re: When do you buy a new home computer?

I have Toshiba Satellite laptop that is about 7 years old. The original battery is shot so I have to keep it plugged in all the time. The fan stopped working about a year ago. It gets pretty hot. Now the bottom of the display lid is breaking off near the hinge. I think that might be why the speakers...
by Bustoff
Sat Nov 08, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4040

Re: Question re Bogle interview with Benz

Thank you Leif. I was not familiar with the "free float" concept.
by Bustoff
Fri Nov 07, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Question re Bogle interview with Benz
Replies: 8
Views: 889

Re: Small Cap & Small Cap Value Advice

livesoft wrote:^Anything up to 100% so that your VBR is at least equal to your Total Stock Market Index fund value. Or for US equities, 50% TSM and 50% VBR.

Thanks Livesoft !
by Bustoff
Fri Nov 07, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Cap & Small Cap Value Advice
Replies: 11
Views: 979

Re: Any Legal ways to lower MAGI for ACA signup?

fsrph wrote: ... As I understand it MAGI is directly linked to the subsidy amount.
...I'd like to use tax planning strategies to maximize any subsidy I may receive ...


[OT comments removed by admin LadyGeek]
by Bustoff
Fri Nov 07, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4136

Re: Question re Bogle interview with Benz

Funny how investors really love those Treasuries in Total Bond in down markets. Remember, bonds are your portfolio's ballast, and investors turn to Treasuries in bad times. Right! So if the total amount in Treasury and government bonds outstanding is $17 trillion, and China and Japan--own about $7 ...
by Bustoff
Fri Nov 07, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Question re Bogle interview with Benz
Replies: 8
Views: 889

Re: I bought this new mattress….

Whatever you do, be sure to buy the mattress from a local store. And don't count on the manufactures warranty.
by Bustoff
Fri Nov 07, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2224

Re: Small Cap & Small Cap Value Advice

More important to me is the average daily volume. I only want to use ETFs that trade more than 100,000 shares a day. I certainly don't want to touch VIOO, VIOV, or VTWV. Your goal should be to end up with no more shares than about 5% of the average daily volume and certainly not more than 100% of t...
by Bustoff
Fri Nov 07, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Cap & Small Cap Value Advice
Replies: 11
Views: 979

Re: Intel 7260 wireless AC card in laptop ?

madbrain, Thank you for your reply. I appreciate you taking the time to go through all those options. I was really just hoping to find a new laptop. My current laptop is an older Toshiba Satellite. It so old that it came loaded with Windows Vista. A few years ago I upgraded to Windows 7. I would ke...
by Bustoff
Fri Nov 07, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Should I avoid laptops w/ Intel 7260 wireless AC card ?
Replies: 15
Views: 1509

Question re Bogle interview with Benz

Can anyone help me understand Jack Bogle's remarks about why the Total Bond Index should reflect holdings of U.S. investors only ? ...the total amount in Treasury and government bonds outstanding is $17 trillion. And China, Japan, Great Britain, and a few other countries--mostly China and Japan--own...
by Bustoff
Fri Nov 07, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Question re Bogle interview with Benz
Replies: 8
Views: 889

Re: Avoid points in unsafe turn ticket!

I did plead not guilty when i called, clerk give me the court date is next week, so i will keep saying "not guilty" when i answer the judge ? Well, you may not have to stand before the judge if the prosecutor amends the ticket. Did you already forgot about speaking to the prosecutor when ...
by Bustoff
Thu Nov 06, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2403

Re: Avoid points in unsafe turn ticket!

Check and see if your ticket is a Georgia Uniform Traffic Citation.

Does it look like this one below ?
http://www.dds.ga.gov/docs/rules/page1.pdf
by Bustoff
Thu Nov 06, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2403

Re: Sitting on the fence to retire...

As others have noted, more details would be required for financial suggestions. So money aside, having been retired a few years I can share my experience. While I don't miss the job related stress, I do miss the social connection that my occupation provided. They say it's important to remain sociall...
by Bustoff
Thu Nov 06, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2000

Re: Donating Your Body to Medical School, etc.

What happens to the remains afterwards?
by Bustoff
Thu Nov 06, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4323

Re: Avoid points in unsafe turn ticket!

But i dont know why someone told me that i have to pay 300-500/hour for lawyer? That is not what traffic lawyers charge. when will i give the court my driving history? You won't give it to anyone until they ask to see it. And i will plead guilty in front of them for this case? As I said above, you ...
by Bustoff
Thu Nov 06, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2403

Re: Avoid points in unsafe turn ticket!

Lordofwolf, Listen carefully. Do not pay the ticket. Do not hire an attorney. Follow the instructions on the ticket for pleading NOT guilty. By pleading "not guilty" you will be given a court date and instructed to appear in court. Most likely you will be required to appear in a municipal ...
by Bustoff
Thu Nov 06, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2403

Re: Intel 7260 wireless AC card in laptop ?

madbrain, Thank you for your reply. I appreciate you taking the time to go through all those options. I was really just hoping to find a new laptop. My current laptop is an older Toshiba Satellite. It so old that it came loaded with Windows Vista. A few years ago I upgraded to Windows 7. I would kee...
by Bustoff
Thu Nov 06, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Should I avoid laptops w/ Intel 7260 wireless AC card ?
Replies: 15
Views: 1509

Re: Intel 7260 wireless AC card in laptop ?

The original poster looks like he is also looking into a Broadcom card, which is what I ended up getting, and resolved my problem. Thanks for the links madbrain. What is a Broadcom card? As I mentioned in my OP, I am not computer tech savvy. I don't want to spend $900 for a new laptop and then be f...
by Bustoff
Thu Nov 06, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Should I avoid laptops w/ Intel 7260 wireless AC card ?
Replies: 15
Views: 1509

Should I avoid laptops w/ Intel 7260 wireless AC card ?

Shopping for a new laptop and came across the Toshiba Radius P55W at Best Buy. I almost bought it on the spot but decided to go home first and check some reviews. I discovered tons of complaints from people who bought this Toshiba laptops. The complaints were the same in every case -- terrible Wi-Fi...
by Bustoff
Wed Nov 05, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Should I avoid laptops w/ Intel 7260 wireless AC card ?
Replies: 15
Views: 1509

Re: Oil and or Metals?

Gold is at a four-year low and heading for a five-year low. Maybe it's time to "re-balance" into some GLD.
by Bustoff
Wed Nov 05, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Oil and or Metals?
Replies: 19
Views: 1166

Re: Any Legal ways to lower MAGI for ACA signup?

MAGI The definition of MAGI for use in determination of ACA subsidies is specifically defined, basically: AGI + tax-exempt interest + non-taxable Social Security + excluded foreign interest. Read http://www.healthreformbeyondthebasics.org/key-facts-income-definitions-for-marketplace-and-medicaid-co...
by Bustoff
Wed Nov 05, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4136

Re: What do you set your thermostat to (in F)?

It's programmed.
71 during the day. 62 at bedtime.
If it were up to my wife, the damn thing would be on 62 degrees 24/7.
by Bustoff
Wed Nov 05, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4459

Preparing Spouse Threads

... My wife wants to know what to do if something happens to me ... Any thoughts? As I get older, I wonder if it might be easier to simply put everything, both taxable and tax-advantaged, into one fund. Anyway, lots of thoughts here: Instructions for Surviving Spouse Oblivious Investor: "Prepa...
by Bustoff
Wed Nov 05, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Morbid Question
Replies: 28
Views: 4028

Muni Bond Interest and Affordable Care Act

Muni bond fund interest is tax-exempt, but does it show up under MAGI ? Yes. But the wiki says: Interest from muni bonds is not included in Adjusted Gross Income (AGI), which determines eligibility for many income tax deductions and credits, whereas dividends and capital gains are included in AGI. ...
by Bustoff
Tue Nov 04, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4136

Re: Fighting Through Risk Tolerance Questionnaires

It's difficult to predict the breaking point at which a person will decompensate. In psychology, the term refers to the inability to maintain defense mechanisms in response to stress. I mean let's be honest, that what is really going on when a person panics. So how do we stop ourselves from acting o...
by Bustoff
Tue Nov 04, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Fighting Through Risk Tolerance Questionnaires
Replies: 53
Views: 3017

Re: Any Legal ways to lower MAGI for ACA signup?

fsrph wrote: Does anyone have legal ways they used to lower their MAGI?


Sir, I am unaware of any such activity or operation... nor would I be disposed to discuss such an operation if it did in fact exist, sir.
by Bustoff
Mon Nov 03, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4136

Re: Any Legal ways to lower MAGI for ACA signup?

Muni bond fund interest is tax-exempt, but does it show up under MAGI ?
by Bustoff
Mon Nov 03, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4136

CD's or muni bond fund for taxable?

Trying figure out the better deal -- Vanguard Inter-term Tax-Exempt or 5-year CD yielding 2.25% Inter-Term Tax-Exempt fund has a tax-exempt yield of 1.54%. At 15% tax bracket Vanguard's taxable-equivalent yield calculator says: You'd have to earn a yield of 1.81% from a taxable investment of equal m...
by Bustoff
Mon Nov 03, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: CD's or muni bond fund for taxable?
Replies: 3
Views: 475

Re: “Risk and Return Within the Stock Market: What Works Bes

Bustoff Don't need to be "sophisticated' to adopt the research Just need to decide on how much exposure you want to the factors. Want more you own funds/etfs that have lower prices to the value metrics and lower average market cap. And also if you want exposure to MOM or at least funds that sc...
by Bustoff
Mon Nov 03, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: “Risk and Return Within the Stock Market: What Works Best?”
Replies: 30
Views: 3982

Re: What Movie Have You Recently Watched?

Blue Jasmine - 2013
Woody Allen story about adapting to a lower standard of living. Or as Bogleheads might say, reducing your SWR.
Cate Blanchett won the Academy Award for Best Actress
by Bustoff
Mon Nov 03, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 218
Views: 17325

Re: The millionth question about what to do with cash.

Allan wrote: ... I have no plans to withdraw any of my IRA in the near future ...

By "near future" do you mean 3-5 years, or longer? Can you be a little more specific?
by Bustoff
Mon Nov 03, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: The millionth question about what to do with cash.
Replies: 23
Views: 4086

Re: What to do with a million

hulburt1 wrote:What would you do with a my million.


You could put a your million in a the Vanguard Target Retirement Income Fund (VTINX).

Or, a CD's

:sharebeer
by Bustoff
Mon Nov 03, 2014 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with a million
Replies: 26
Views: 3856

Re: "Smart" Beta - general consensus?

Sounds like a gimmick. At the end of the day, smart beta tends to be nothing more than active factor-based tilts away from the broad market-cap portfolio. And the rampant back-testing of such strategies is a concern. - Vanguard Chairman and CEO Bill McNabb These strategies are nothing new. Vanguard ...
by Bustoff
Sun Nov 02, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: "Smart" Beta - general consensus?
Replies: 17
Views: 1456

Re: Shiller PE10 - by the numbers

It all a matter of scale. No one is talking about exact timing here. Investing is more like horseshoes and hand grenades ... close is good enough.
by Bustoff
Sun Nov 02, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 - by the numbers
Replies: 26
Views: 2742

Re: BND or a CD

Thanks Kevin !
Your posts are extremely helpful and greatly appreciated.

Regards,
Bustoff
by Bustoff
Sun Nov 02, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9579

Re: Relatively new here. What did you do in 2008/09

I moved into my fallout shelter. Let me know when it's over so I can come out. People still have fallout shelters? 2008 was nothing compared to the fear I had as a 15 year old during 1962 Cuban Missile Crisis. Fear sure can be irrational. Heart disease kills over 600,000 citizens each year in the U...
by Bustoff
Sun Nov 02, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 9927

Re: Is Vanguard a good place to invest?

My wife found this webpage: http://www.complaintsboard.com/complaints/vanguard-valley-forge-pennsylvania-c137283.html Complaint after complaint about how Vanguard screwed them over. Now my wife doesn't want to invest any money with Vanguard. I'm pulling my hair out, thinking any big company is goin...
by Bustoff
Sun Nov 02, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5008

Re: "Schwab Intelligent Portfolios"

This sounds very interesting.
I think I'll throw some money at it and see what happens.
by Bustoff
Sun Nov 02, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: "Schwab Intelligent Portfolios"
Replies: 56
Views: 5926

Re: Investing in Art, Antiques, and Collectibles and wines

Buy collectibles, art, etc. because you like them. +1 Knew a couple that had accumulated over $500,000 in collectibles. During their subsequent divorce they were unable to agree on the value or split of the items. Numerous appraisers had to be hired and in the end everything was liquidated. The los...
by Bustoff
Sun Nov 02, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3769

Re: Is $700,000 enough to retire? Opinions please .

cararo,

You might find ESPlanner helpful. The basic version is free.
by Bustoff
Sun Nov 02, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12475

Re: Relatively new here. What did you do in 2008/09

In January 2008 I was 30% stocks; by May 2009 almost 70% stocks. I follow a PE10 (valuation) based allocation, and had been as low as 0% stocks in 2000. I bought substantial blocks in January 2008, July 2008, October 2008, February 2009, and May 2009. ... ... Since September 2009 when I found this ...
by Bustoff
Sun Nov 02, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 9927

Re: “Risk and Return Within the Stock Market: What Works Bes

The authors concluded: “Overall the best-returning characteristics are high earnings/price, high book-to-market, and low turnover. On risk adjusted basis, the best performances were low beta, low volatility, and low turnover.” So according to this conclusion, what practical action can Bogleheads ta...
by Bustoff
Sun Nov 02, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: “Risk and Return Within the Stock Market: What Works Best?”
Replies: 30
Views: 3982

Re: Considering short-term, investment-grade bonds for Roth

... my plan is to establish a 90/10 portfolio ... Is this a decent argument for going with a short-term, investment-grade bond fund over a Total Bond Market Index? Or is there something about the risks and rewards of bonds--short, intermediate, or long--that I have missed? Assuming you don't want t...
by Bustoff
Sat Nov 01, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering short-term, investment-grade bonds for Roth IRA
Replies: 20
Views: 945

Re: BND or a CD

Bustoff, yes. However the total of all IRAs for any "individual" is capped at $250K per institution for insurance purposes. For example, you could have several IRA CDs at the same institution. Tote them all up, with posted interest; your individual cap applies to the total*. After-tax CDs...
by Bustoff
Sat Nov 01, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9579
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