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ACA subsidies -- impact of capital gains from home sale

Does anyone know if capital gains realized from the sale of your home are included in MAGI for ACA subsidy purposes? Thanks.
by PR101
Fri Nov 01, 2013 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidies -- impact of capital gains from home sale
Replies: 3
Views: 411

Re: HO-6 Condo Policy Dwelling Coverage / Premium

The Master Policy only covers the foundation, structural columns, girders, beams, supports, perimeter walls, studs between Units, and roof, as well as conduits, pipes, etc. that are either not located in my Unit or are located in my Unit but serve other Units.
by PR101
Mon Aug 19, 2013 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: HO-6 Condo Policy Dwelling Coverage / Premium
Replies: 2
Views: 380

HO-6 Condo Policy Dwelling Coverage / Premium

For any of you who own or have owned a condo for which you purchased a "walls-in" insurance policy, can you tell me (1) how much Dwelling coverage (Coverage A) you purchased (full replacement value of condo interior) and (2) your total annual premium for the policy (Dwelling, Personal Prop...
by PR101
Mon Aug 19, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: HO-6 Condo Policy Dwelling Coverage / Premium
Replies: 2
Views: 380

Temporarily Exceeding FDIC Limit

Thanks for your responses.
by PR101
Thu Jul 25, 2013 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Temporarily Exceeding FDIC Limit
Replies: 8
Views: 880

Re: re: First time to Boston

Some things to see: Faneuil Hall Marketplace and area, including North End (Italian restaurants + Old North Church); Museum of Fine Arts; Prudential Center (views); Navy Yard (USS Constitution); Boston Common/Public Garden. See Trip Advisor's list at http://www.tripadvisor.com/Attractions-g60745-Act...
by PR101
Fri May 10, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: re: First time to Boston
Replies: 31
Views: 2237

Re: Time to rethink placing bonds in tax advantaged?

Note that bond fund dividends are taxed as ordinary income, while most stock fund dividends are qualified dividends that are taxed at lower rates.
by PR101
Fri May 10, 2013 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Time to rethink placing bonds in tax advantaged?
Replies: 15
Views: 1842

Re: Large Growth Stocks

Not really for tax efficiency. It is to prevent my income from exceeding a certain healthcare-related ceiling; one penny over will cost me several thousand dollars. The dividend yield on VWUAX is under 0.5%; the yield on VTSAX/VTI is close to 2%.
by PR101
Thu May 09, 2013 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Growth Stocks
Replies: 2
Views: 284

Large Growth Stocks

Does anyone own a U.S. growth stock fund for the specific purpose of minimizing dividends/income? Pros, cons? I am considering Vanguard's Large Growth Fund (VWUAX) for 5-10% of my portfolio. Thanks.
by PR101
Thu May 09, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Growth Stocks
Replies: 2
Views: 284

Re: Investment advice for a retired athlete w/ long time hor

My yearly expenses are about 2% of my total principle . . . . I currently have a financial planner who is charging me fees out the wazoo . . . . Do your yearly expenses of 2% include the exorbitant financial planner fees? If not, you need to add the financial planner fees (2%? 3%?) to your living e...
by PR101
Tue Apr 02, 2013 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a retired athlete w/ long time horizon
Replies: 40
Views: 3424

Re: Selling Your House and Renting after Retirement.

If anyone has done something similar i would love it if you could please share your experience. How do you feel? Any regrets? Did you eventually buy a house/condo? I ER'd 2.5 years ago, sold my $470K townhouse for a nice profit (owned for 10 years), moved to a new state, and have been renting ever ...
by PR101
Sat Mar 30, 2013 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling Your House and Renting after Retirement.
Replies: 12
Views: 2369

Re: which fund for international equities?

I have both FSIVX (Fidelity Spartan International Index Fund) and VTIAX (Vanguard Total International Index Fund). I am gradually shifting funds from FSIVX (all of which I purchased near the peak before the 2008-09 crash) to VTIAX. I prefer VTIAX to FSIVX because: (1) VTIAX has both developed and em...
by PR101
Thu Mar 28, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: which fund for international equities?
Replies: 7
Views: 439

Re: % assets in retirement vs. non-retirement accounts?

82% Taxable, 18% Tax-Advantaged. ER 2.5 years ago.
by PR101
Thu Mar 28, 2013 8:39 am
 
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 6327

Re: Clueless- Need Investment Advice

1. It is better to have bonds in tax-advantaged space (because bond income generally is taxed as ordinary income) and international stocks in taxable accounts (so you can claim the foreign tax credit). So I would get rid of the Developed Market and Pacific Stock Index Funds in your 401K and allocate...
by PR101
Wed Mar 20, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clueless- Need Investment Advice
Replies: 10
Views: 744

Re: The Zero Cap Gains Tax Bracket

Also applies to qualified dividends.
by PR101
Tue Mar 19, 2013 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: The Zero Cap Gains Tax Bracket
Replies: 8
Views: 1141

Re: POLL: Withdrawal Rates For Real Retirees

In my third year of ER. Each year I have set a budget ceiling of 3.6% of total portfolio value at start of year. YR 1 actual spending = 3.5%. YR 2 = 3.2%. YR 3 projected (1/2 way through now) = 2.6%. Withdrawal rates have declined because I have spent significantly less each year + portfolio growth....
by PR101
Sun Mar 17, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Withdrawal Rates For Real Retirees
Replies: 79
Views: 5770

Re: Should I buy a home rather than rent?

Make sure you accurately account for the maintenance costs of owning a home, including the value of the time you will spend maintaining the home, as well as the transaction costs incurred in buying and selling a home. Also consider the costs of gasoline and car maintenance if you cannot buy a home (...
by PR101
Wed Mar 13, 2013 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a home rather than rent?
Replies: 25
Views: 2214

Re: Quitting job and starting law school in the Fall - help!

You also need to be prepared to deal with going to school and then working in environments where there is a heightened incidence of mental health issues.

http://www.psychologytoday.com/blog/therapy-matters/201105/the-depressed-lawyer
by PR101
Wed Mar 13, 2013 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 9818

Re: Quitting job and starting law school in the Fall - help!

Do you think it's any better if you don't plan on being in big law that long? I know certainly a lot of the interesting PI and government work will look favorably upon Big Law experience and I'd certainly want to work in it at least 2-3 years. I feel that a lot of graduates are miserable because th...
by PR101
Wed Mar 13, 2013 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 9818

Re: Quitting job and starting law school in the Fall - help!

As a former lawyer and a graduate of a top 10 law school, I also would strongly recommend that you avoid law school. The profession will be a soul-crushing waste of your life. After 13 years of toiling at biglaw, I was lucky to get out and be able to do what I wanted to with my life before it was to...
by PR101
Tue Mar 12, 2013 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 9818

Re: Buying vs. Renting

Don't forget maintenance costs, transaction costs, the value of your time spent maintaining a home, and - if you have to move further out to buy an affordable home - the additional costs of commuting and the value of your time spent commuting.
by PR101
Mon Mar 04, 2013 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting
Replies: 3
Views: 561

Re: Would you seriously date someone with $300K in debt?

If you wouldn't marry her, then don't date her. [Inappropriate comment removed by admin LadyGeek]
by PR101
Thu Feb 28, 2013 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3300

Re: Mulling Over Whether I Should Retire

"I am somewhat concerned about how much Social Security will be reduced since I will no longer be contributing to it." You can go to the Social Security website and calculate what your benefits will be if you leave work "early." Benefits are based on your top 35 years of salaries...
by PR101
Tue Feb 12, 2013 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mulling Over Whether I Should Retire
Replies: 15
Views: 1766

Re: Is 3% the new safe withdrawal rate for retirees?

I believe these studies are based on starting with a fixed withdrawal percentage (e.g., 4%) and then increasing the resulting amount by inflation each year, regardless of what is happening to your portfolio, which is not realistic. If you instead use a variable withdrawal strategy (that is, multiply...
by PR101
Tue Feb 12, 2013 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Is 3% the new safe withdrawal rate for retirees?
Replies: 101
Views: 7066

What chick? I only see an old man and a horse.
by PR101
Fri Oct 07, 2011 12:14 am
 
Forum: Investing - Theory, News & General
Topic: Financial Crisis is worst the world has ever faced
Replies: 41
Views: 3950

I owned a home for 9 years, sold it recently for a decent profit, all costs considered. I am content to rent now and will continue to do so unless I run into a situation where owning is dirt cheap and I have no plans to move for a while. Right now, renting is much, much cheaper for me. I no longer h...
by PR101
Mon May 09, 2011 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting v. Buying: New Evidence
Replies: 52
Views: 5976

Fixed Withdrawal Rate, Recalculated Monthly vs. Annually

The SWR studies/discussions I have reviewed appear to assume that the amount that can be withdrawn each year is calculated annually (e.g., 4% of portfolio balance on Jan. 1 of each year). What if the withdrawal amount is instead calculated monthly? For example, assuming a 3.6% annual withdrawal rate...
by PR101
Wed May 04, 2011 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Fixed Withdrawal Rate, Recalculated Monthly vs. Annually
Replies: 1
Views: 429

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