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by RobG
Sat May 23, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

They haven't deposited mine yet, but your experience is encouraging.
by RobG
Fri May 15, 2015 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

Yeah, with the 1095-A I also sent in a copy of the SLCSP analysis from the healthcare.gov website. I don't expect this to go smoothly.
by RobG
Fri May 15, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

Thanks for letting us know what is happening. I'd be interested in knowing how this turns out.
by RobG
Mon May 11, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

Yea, me too, sort of. They requested my 1095 before they would process my tax form. We'll see where that goes. Perhaps they won't give me the tax credit. Oh well, I had to pay full price in the old days when I made even less.
by RobG
Tue Apr 21, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

I should add that MY entire internet connection becomes very slow when this happens; that is, I can't cruise the web very effectively. This is just for the machine using the VPN - other computers at home don't have issues, and shutting them down doesn't seem to improve the situation. But also it is...
by RobG
Tue Apr 14, 2015 11:46 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

I should add that MY entire internet connection becomes very slow when this happens; that is, I can't cruise the web very effectively. This is just for the machine using the VPN - other computers at home don't have issues, and shutting them down doesn't seem to improve the situation. But also it is...
by RobG
Tue Apr 14, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

I had a similar issue couple of months ago. Do you have a modem/router in one device from your ISP? If so, it's likely the router that is the problem. I bought a new router and disabled the one from the ISP and my vpn speeds are great now. Hope that helps. I use Charter by the way. That would make ...
by RobG
Tue Apr 14, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

I should add that MY entire internet connection becomes very slow when this happens; that is, I can't cruise the web very effectively. This is just for the machine using the VPN - other computers at home don't have issues, and shutting them down doesn't seem to improve the situation. But also it isn...
by RobG
Tue Apr 14, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

I am not sure how you are using your VPN, but often they are used only for traffic specific to work or business. In that case, all other, non-business, traffic should bipass the VPN connection and just use the unsecured Internet. For instance, Netflix should not be going through the VPN connection....
by RobG
Tue Apr 14, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

When you setup the VPN provider using the Windows control panel, you entered an IP address or a hostname to which to connect. You most likely also entered a username and password. Who gave you those details? That person/company is who you need to talk to. Ah, language I can understand. I did this; ...
by RobG
Tue Apr 14, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

Grt2bOutdoors wrote:That seems odd, when I connect to my VPN it seems to accelerate the connection speed. Have you reached out to your technical support desk that covers VPN issues for your business?


Ha Ha, I'm self employed and work at home so sit at my tech support desk ;).
by RobG
Mon Apr 13, 2015 11:40 pm
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

RobG - It sounds like your VPN provider is oversubscribed and isn't capable of delivering VPN traffic as fast as your ISP circuit. It's not that uncommon. Have you tried connecting to a different VPN server offered by that VPN provider (different city, etc.)? I might not sure who my VPN provider wo...
by RobG
Mon Apr 13, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

Re: VPN killing my Internet

How is this relevant to finance, investing, etc, and how do you expect someone to help you with the information you have provided? I'm seeing this in the consumer issues forum, if it was elsewhere maybe a helpful mod moved it. Addressing the topic at hand, presumably the vpn you setup connects to e...
by RobG
Mon Apr 13, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2861

VPN killing my Internet

After using it for 3 months my VPN is suddenly causing my internet to crater. Without it connected, my download speed is 30+ Mbps, but when I connect it drops to 3Mbps or less, sometimes cutting out completely. I can work at 3Mbps, but when it drops lower it becomes unusable. I can go down to the co...
by RobG
Mon Mar 16, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

Thanks mlipps, I'm on board now. I was confused by the healthcare.gov page the first two dozen times I looked at it, but after working it out with you guys it is starting to make sense. They should be more specific in that you should enter the data obtained from that tool if the data in the 1095A is...
by RobG
Mon Mar 16, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

The answer at the link I posted was from a Turbo Tax employee that seemed to be part of the ACA team (which doesn't make it necessarily correct advice!). Here is the question I've received my form 1095-A but column B (Monthly Premium Amount of Second Lowest Cost Silver Plan (SLCSP) has a zero amount...
by RobG
Sun Mar 15, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

Thanks, I will look there too. I found this on the Turbo Tax site: https://ttlc.intuit.com/questions/2596386-i-ve-received-my-form-1095-a-but-column-b-monthly-premium-amount-of-second-lowest-cost-silver-plan-slcsp-has-a-zero-amount-in-this-how-do-i-figure-this-amount# I hate going solely on that. I ...
by RobG
Sun Mar 15, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

Re: 1095-A mistake (No SLCSP)

I ran into this when doing my taxes as well. My understanding, from the information in Turbo Tax , is that data for column B (SLCSP) is present on your 1095-A when you have received an Advanced Premium Tax Credit (APTC). If you haven't received an APTC and believe you are eligible for a tax credit ...
by RobG
Sun Mar 15, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to find Second Lowest Cost Silver Plan for your area
Replies: 14
Views: 2356

Re: How to find Second Lowest Cost Silver Plan for your area

For the people stumbling across this in the archives, like me, you can get the SLCSP for 2014 by going to https://www.healthcare.gov/taxes/tools/ and scrolling about 2/3 down the page to the "The second lowest cost Silver plan (SLCSP) tool & your 2014 premium tax credit" section.
by RobG
Sun Mar 15, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 18
Views: 1379

1095-A mistake (No SLCSP)

Hello, Last year I got my 2014 health insurance through the marketplace. I chose Bronze and elected not to get the tax credit because I figured my salary would exceed the limit. As it turns out I didn't make much money in 2014 so I should qualify for a tax credit. However, when I enter my 1095A info...
by RobG
Thu Sep 18, 2014 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7708

Re: Can You Build Your Retirement Portfolio Young, then Coas

Start with 18-year old twins and $160,000 each, the cost of a 4-year degree at a decent (or even not so decent) school. Twin 1 goes to college, graduates at age 23 with no savings and the $160,000 spent. Twin 2 gets a job, maxes out a Roth IRA for those four years and, over time, manages to squirre...
by RobG
Tue Sep 16, 2014 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7708

Re: Can You Build Your Retirement Portfolio Young, then Coas

You don't need $100,000/year unless you want to coast in a King Air. I wish I had a third of that available. When I got my first "real" job at 24 I decided I would save as much as I could until my contributions became about 1/2 of my expected annual returns. That took about 15 years, altho...
by RobG
Sat Jun 21, 2014 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or ROTH
Replies: 58
Views: 4430

Re: pay off mortgage or ROTH

Maybe to summarize... there are two important points regarding the Roth vs Paydown. 1) You are NOT losing 3.25% on your mortgage if you put it on your Roth; you are losing 3.25% MINUS what you would earn in your Roth for similar risk... I don't know what a proper analysis is, but Vanguard Brokerage ...
by RobG
Fri Jun 20, 2014 10:44 am
Forum: Personal Consumer Issues
Topic: Chuck Norris's Own (Index) Portfolio Revealed [Humor]
Replies: 111
Views: 17669

Re: Chuck Norris's Own (Index) Portfolio Revealed [Humor]

My portfolio is 100% Chuck Norris plus a Bond, James Bond.
by RobG
Sun Mar 30, 2014 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 789

Re: HSA Restructure

Aptenodytes wrote:It is plausible that you could end up withdrawing all of your HSA tax free, whereas you can't withdraw any of your 401k tax free. So money you put in your HSA has the potential to bring larger net returns.

That's what I figured. Thanks.
by RobG
Sun Mar 30, 2014 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 789

Re: HSA Restructure

1) Are your HSA contributions made through a pre-tax deduction from your paycheck? If so, many people here would recommend that you first max out the HSA and then max out the other retirement vehicles, not the other way around, unless you get a match on the retirement contributions. I have no compa...
by RobG
Sun Mar 30, 2014 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1272

Re: investment property pros and cons?

If I recall correctly Berkeley has some onerous rent control laws.

rg
by RobG
Tue Feb 25, 2014 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1379

Re: Medicare coinsurance increase with ACA???

OK, I guess one of the takehomes that I am getting is that the increase wasn't directly a result of ACA, but some cuts to the various Medicare <names> subsidies may have caused the private insurance agencies to raise prices. But I see the subsidy to Medicare Advantage was actually increased this ye...
by RobG
Tue Feb 25, 2014 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1379

Re: Medicare coinsurance increase with ACA???

OK, I guess one of the takehomes that I am getting is that the increase wasn't directly a result of ACA, but some cuts to the various Medicare <names> subsidies may have caused the private insurance agencies to raise prices. But I see the subsidy to Medicare Advantage was actually increased this yea...
by RobG
Mon Feb 24, 2014 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1379

Re: Medicare coinsurance increase with ACA???

My Medigap (BC/BS Plan C) did not increase but my Part D drug insurance did modestly. Is there a possibility your father's income increased? Higher income can result in higher premiums for Part D. Not likely - he lives mostly on Social Security and his income is low enough that he doesn't pay taxes.
by RobG
Mon Feb 24, 2014 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1379

Re: Medicare coinsurance increase with ACA???

If he has a Medicare Supplement (plans identified by a letter of the alphabet), the PPACA would not have a direct effect on premiums. But if he had a Medicare Advantage Plan, the PPACA reduced govt subsidies to these plans and premiums, coinsurance and out of pocket max are therefore being increase...
by RobG
Mon Feb 24, 2014 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug: Self employed insurace deduction
Replies: 7
Views: 635

Re: Turbo Tax Bug: Self employed insurace deduction

This is why I really do not like the interview mode that most tax software uses. I am sure there will be those who disagree with me, but, if you are preparing your own taxes, when you pick up a tax doc (1099, K-1, W2 ...) you should know which line on the 1040 the data contained on the form belong....
by RobG
Sun Feb 23, 2014 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug: Self employed insurace deduction
Replies: 7
Views: 635

Re: Turbo Tax Bug: Self employed insurace deduction

Hayden wrote:I use Turbotax. It asks me for this amount when I enter my K-1. Then it puts it on the 1040

Thanks - I'll look for that with this year's return.
by RobG
Sun Feb 23, 2014 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1379

Re: Medicare coinsurance increase with ACA???

"Coinsurance"? Do you mean a Medigap plan? What kind of coverage does he have? Medigap? Medicare Advantage? Did the company have no explanation? We are pricing Medigap plans right now, and in my state (WA), I can get a Cadillac plan (Plan F) through Regence (Blue Cross) for $160/mo or AAR...
by RobG
Sun Feb 23, 2014 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1379

Medicare coinsurance increase with ACA???

My 84 year old dad is hopping mad because his coinsurance jumped from $2000/yr to $3000/yr. I'd be mad too, but my insurance agent says ACA made no changes to this coinsurance or Medicare costs. I can't find anything to explain the increase. Does anyone here know why it increased so dramatically? Wh...
by RobG
Sun Feb 23, 2014 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug: Self employed insurace deduction
Replies: 7
Views: 635

Turbo Tax Bug: Self employed insurace deduction

A short background: I have an S-corp which I run my health insurance through. A while back (http://www.bogleheads.org/forum/viewtopic.php?f=2&t=127809) fellow Boglehead "Jack" alerted me that the insurance cost is deducted from the corp K-1, but added to my W-2 income as a fringe benef...
by RobG
Wed Feb 12, 2014 4:26 pm
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Re: Need a new all in one printer

Wow Toons - I didn't even know about "maintenance cycles." I think the only time my HP 6500 printed test pages was after I had to reset it when it stopped printing black (one of their bugs). [edit: based on http://www.consumerreports.org/cro/magazine/2013/08/the-high-cost-of-wasted-printer...
by RobG
Wed Feb 12, 2014 4:02 pm
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Re: Need a new all in one printer

Is there any info on ink usage of the Brother vs Canon?
by RobG
Wed Feb 12, 2014 2:12 am
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Re: Need a new all in one printer

My top gripe is the fact that it will turn on at three in the morning (or some ungodly time) and clean the print heads. I've looked to see about changing the settings and apparently, you can't change what time this occurs at. I live in a studio so I really can't put it any other place (except out t...
by RobG
Mon Feb 10, 2014 10:47 am
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Re: Need a new all in one printer

Thanks guys, keep the info coming. I looked at the canons and am a bit nervous about buying one that costs less than $100, only because I'm guessing the components are cheap so you get jams, etc. I decided on 9600 dpi for no particular reason so that puts me at $150 nominal. The Brothers looked more...
by RobG
Sat Feb 08, 2014 3:35 pm
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Re: Need a new all in one printer

I do need color, and high quality to print out pictures. I assume these won't reduce the options by much... You also didn't say whether you want laser or ink jet (well I guess you sorta did by saying you want one that uses ink efficiently). The last I bought a printer time I ruled out laser, I thin...
by RobG
Sat Feb 08, 2014 2:28 pm
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Re: Need a new all in one printer

I do need color, and high quality to print out pictures. I assume these won't reduce the options by much...
by RobG
Sat Feb 08, 2014 2:13 pm
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 3300

Need a new all in one printer

Hi folks, My printer croaked and I don't see any recent threads on printers. I need a new general printer/copier/scanner. One of my pet peeves with my old HP is that it doesn't scan to a PDF so having that feature would be nice for my next one. Of course having one that uses ink efficiently would al...
by RobG
Thu Jan 23, 2014 2:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 24074

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Taylor - have a happy 90th!
by RobG
Sat Dec 14, 2013 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 569

Re: Gifting stock to family

Retread is right. See Treas. Reg. sec. 1.1001-2(a)(1) ("[T]he amount realized from a sale or other disposition of property includes the amount of liabilities from which the transferor is discharged as a result of the sale or disposition."). Yeah, that occurred to me after I posted. Becaus...
by RobG
Sat Dec 14, 2013 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 569

Re: Gifting stock to family

I am paying back a loan from my father at $1000/month. According to the article I can gift appreciated stock to him and he will pay taxes on the gains... I hate to be the guy who always drops you-know-what in the punch bowl, but this won't work or, at the very least, it's tax evasion. Your father i...
by RobG
Sat Dec 14, 2013 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 569

Re: Gifting stock to family

OK, it sounds like I (or him) just open a Scottrade account in his name and transfer the stock to him and he can sell it or whatever - just like he bought it.

Looking at For 709 instructions it doesn't look like I have to report it if it is under $14,000.
by RobG
Sat Dec 14, 2013 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 569

Gifting stock to family

I stumbled across this article: http://www.forbes.com/sites/ashleaebeling/2013/09/13/how-to-beat-the-big-2013-capital-gains-tax-hike/ and it gave me an idea. I am paying back a loan from my father at $1000/month. According to the article I can gift appreciated stock to him and he will pay taxes on t...
by RobG
Fri Dec 13, 2013 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Search for passive income- through real estate?
Replies: 27
Views: 2584

Re: Search for passive income- through real estate?

When your income is lower in retirement, you will be able to get a lot income tax benefit from the rental business. Currently I don't think you are qualified because of your high income level. I think this point needs to be re-emphasized... when you reach a certain income level you don't get to use...
by RobG
Fri Dec 06, 2013 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1533

Re: S-Corp and ACA

Thanks again for the info. I'm meeting with the accountant next week and it is always nice to go in semi-informed.

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