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Any Legal ways to lower MAGI for ACA signup?

On Nov 15th the ACA exchanges will open again. As I understand it MAGI is directly linked to the subsidy amount. I am still working but may retire early next year. I did search Bogleheads and these threads were interesting: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=128794 http://www.bo...
by fsrph
Thu Oct 30, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 3
Views: 356

Re: How often do you change your car's oil?

tomd37 wrote:We only drive each of our two cars 5,000 miles per year and change oil and filter in each once a year.


Same for me. Two cars, both driven less than 5,000 miles per year. Oil and filter changed at annual inspection.

Francis
by fsrph
Fri Oct 24, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6116

Re: "I've had it" at work - how often

How often do you come home from a day at work and say to yourself, 'That was bulls---. I don't need this in my life - I'm done." Let me know your age/tenure, your field, and how often the above occurs. I never thought it would come to this but a few times a week. Hospital pharmacist with 30 ye...
by fsrph
Sat Oct 18, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12467

Re: I Bonds - Best redemption strategy

Yes, thanks everyone. Especially to #Cruncher, that was quite impressive calculations.

Francis
by fsrph
Sun Oct 12, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1391

Re: I Bonds - Best redemption strategy

Given the limits on ibond purchases it is hard to imagine them causing huge tax bills and it seems like spending them early would only make sense if you had no money in things like IRAs or taxable bonds. Oh, really? Many of us were buying $30,000 a year in the late '90's and early '00's. Those have...
by fsrph
Sun Oct 12, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1391

I Bonds - Best redemption strategy

I would say many Bogleheads own I Bonds. It's been over 15 years since they were first offered. The early rates were great and a lot of us want to keep them for the full term. But, are we setting ourselves up for a huge tax bill if we hold all of them to maturity? Is it better to begin redeeming the...
by fsrph
Sun Oct 12, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1391

Re: Cleaning Up Leaves

cheese_breath wrote:I just cut the up with my mulching mower and call it good.

This. If you try and bag leaves with your mower the bag fills up very fast. First mulch, maybe a few times, then bag you'll get a lot more chopped leaves in the bag. Follow this procedure every few days.

Francis
by fsrph
Thu Oct 09, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3099

Re: Is my husband a spendthrift? Or I a tightwad?

Lots of good advice already given. The root of the problem is the same if you are poor or rich. If you spend more than you take in you are setting yourself up for problems. Doesn't matter if you make $20k or $400k. And, imo, you spend on necessities, then retirement, then luxuries. In fact this advi...
by fsrph
Thu Oct 02, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15835

Re: Lawnmower/gas issues

I use a plastic gas can, fairly high capacity (~5 gallons), but usually only get 1 to 1.5 gallons at a time, and then add a stabilizer. I've had a lot of the same issues. What kind of fuel stabilizer are you using? A Toro mechanic told me to use Stabil Marine (green color). He said Stabil (red colo...
by fsrph
Fri Sep 05, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2155

Re: Zegna Suits

it's about if Zegna worth $3000.00 or is it not To me or you? To me no but to you I think it's yes. Buy the Zegna suit. You can afford it. You'll have a finely crafted suit of your dreams for the wedding. If you don't use it much after that so what? If you lose a few thousand on the suit that won't...
by fsrph
Sun Aug 24, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9871

Re: Unlimited cell plans dropping in price?

Didn't read the whole thread so this may have been mentioned. Clark Howard addressed 2014 cellphone plans in his current column. Scroll article for recent breaking cellphone deals.
http://m.clarkhoward.com/mobile/#4

Francis
by fsrph
Thu Aug 21, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3428

Re: Your biggest "Missed Money" event that still kills you?

Not taking money off the table during the Internet bubble. Internet stocks were going up $50+ some days. Let it ride, why not? Lesson learned.

Francis
by fsrph
Mon Aug 18, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8387

Re: Medical Alert System

A relative uses this and likes it. http://www.walmart.com/msharbor/ip/GreatCall-5Star-Responder-Wireless-Personal-Security-Device/17771066. Bought it in Walmart. Works on Verizon network. Works outside the house (anywhere with Verizon coverage). Monthly fee is $15, quite a bit less than the others. ...
by fsrph
Fri Aug 15, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 19
Views: 939

Re: Oldest age to start medical school?

I knew a pharmacist who went back to school and graduated with an MD degree at about 45 years of age. He chose family medicine so no long residencies. That being said I'm not sure I'd recommend you doing it. Medicine is still a great career but it has changed a lot. Someone else recommended to consi...
by fsrph
Sat Aug 09, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5668

Re: How Much Did You Lose Today?

I lost money today (07/31/14). The fact that I didn't sell anything has nothing to do with it. On 07/30/14 a sale of my portfolio would have provided some number of actual dollars. At the close of business on 07/31/14 , my portfolio would have only provided .987 times as many actual dollars. 1.3% w...
by fsrph
Sun Aug 03, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15423

Re: Help with a new $5m portfolio for an old lady

Your mom wants little or no risk - I will combine some suggestions already offered.
50% Vanguard LifeStrategy Income
50% Cd 's (2.2-2.3%)
Since your mother has 5M this will cover her monetary needs along with her desire for low risk.

Francis
by fsrph
Tue Jul 29, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4713

Re: Do Bogleheads Feel Wealthier?

I read a lot about the wealth effect but I never believed it. My perspective was that of an early career investor. If our stocks went up 1% or 5% or 10%, I did not feel richer at all. It wasn't enough money to make me feel richer. Neither the increase nor the total wealth in dollars were enough to ...
by fsrph
Mon Jul 28, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4832

Re: 2015 Subaru Forester, which trim/options?

I bought a Forester with the premium package. I wanted the sunroof and it's included in the premium trim. By the way, the sunroof is great. Extra large size. I didn't get the X engine, didn't want the turbo. A few friends have Eyesight and they like it. My next Subaru will have it. My Forester also ...
by fsrph
Thu Jul 24, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Forester, which trim/options?
Replies: 16
Views: 1898

Re: Switch car insurance? State Farm vs GEICO

Just wanted to pass on how this ended. I switched to geico. Geico offered me (compared to state farm) higher coverage, lower deductibles, first accident forgiveness for $266/6 months. State farm's best price, for lesser coverage was $389. Seemed like a no brainer to switch except local SF agent play...
by fsrph
Thu Jul 24, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Re: If you own a car, do you have a car payment?

Two vehicles, paid cash for both.

Francis
by fsrph
Sun Jul 20, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7623

Re: POLL: Walmart vs Amazon

Interesting side discussion - Clark Howard recently posted Walmart.com (online shopping) is underpricing their stores by up to 35%. Same item. You could buy online at the cheaper price, have shipped (free over $50) and never enter the store. http://www.clarkhoward.com/news/clark-howard/shopping-reta...
by fsrph
Sat Jul 12, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8788

Re: POLL: Walmart vs Amazon

What do you prefer and why? I didn't vote because the answer depends. I use both. Sometimes I'll pay a little more at Walmart if I need the item quickly or if I'm going there for something else. I use amazon for hard to find items or things priced dirt cheap. I found, for many things I buy, Amazon ...
by fsrph
Sat Jul 12, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8788

Re: Ditch car and commute to work in 250cc scooter in Raleig

epictetus wrote:don't do it. too dangerous.

This.
I would never consider using a scooter to commute. Safety reasons.

Francis
by fsrph
Sat Jul 12, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 79
Views: 6766

Re: Online will - is it worth the savings?

Do you have the "other" necessary documents, which are: Living will (advanced health care directive), medical power of attorney, durable power of attorney? If not, this is penny wise and pound foolish. There are many, many situation where something bad will happen in the gray area- you're...
by fsrph
Sun Jul 06, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online will - is it worth the savings?
Replies: 16
Views: 1576

Online will - is it worth the savings?

Clark Howard recently recommended using Nolo for an online will, see http://m.clarkhoward.com/mobile/#4. I have significant assets but my will would be simple. Am I being penny wise and pound foolish for considering this? No affiliation with Nolo but Clark said their online will package is discounte...
by fsrph
Sun Jul 06, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online will - is it worth the savings?
Replies: 16
Views: 1576

Re: Time to buy a tv or wait 2 years?

If you need a TV, go buy a $500 plasma and move on with life. I bought a 50 inch + Samsung plasma TV and love it. A few years ago my friend bought a 3d TV. He liked the TV but not much 3d content was available. Still not a lot of 3d content today. So, who knows if 4k TV will catch on? I'd go with a...
by fsrph
Sat Jul 05, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 6153

Re: Who do you talk with about your financial goals?

General non-specific info = a few co-workers. We have different investing styles and try to understand each others point of view.

Specific investing info = no one.

Francis
by fsrph
Sun Jun 29, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9503

Car insurance - How much is accident forgiveness worth?

In my previous thread, http://www.bogleheads.org/forum/viewtopic.php?f=2&t=139189 I considered switching auto insurance from State Farm to Geico. After presenting Geico's quote to the State Farm agent she called back and lowered the yearly quote to about $200 more than Geico. She said altho they...
by fsrph
Sat Jun 28, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance - How much is accident forgiveness worth?
Replies: 3
Views: 563

Re: Please help us decide where to live

this is YOUR decision to make, no one here can make this type of decision for you. Well, the thread's kind of been derailed. I was hoping to get more suggestions on how to end the search and make a decision, not more suggestions of new places to consider! Alas! :beer <-- $2 beer Suggestions on how ...
by fsrph
Fri Jun 27, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 8442

Re: Cutting the cable cord - how did you do it?

Returned cable box to Comcast. Stayed with Verizon for phone and Internet access. Increased Verizon Internet speed for better streaming. Bought $10 rca antenna at Walmart for local and regional TV stations (in hd). Bought Sony Blu-ray player with WiFi. Signed up for Netflix. Works well for me. Going...
by fsrph
Sun Jun 15, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4675

Re: As Bogelheads, a comforting thought for everyone....

Great post. I think many people (especially bogleheads) are so conditioned to save that when the time comes it may be hard to switch gears. I fear I might be one of those people. :beer I think I'm one of those people too. I have thought about this scenario. I have been saving for decades (still enj...
by fsrph
Thu Jun 12, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: As Bogleheads, a comforting thought for everyone....
Replies: 46
Views: 4922

Re: TV - is wifi needed or desirable?

You don't need wifi in the TV itself. I agree with this. Are you asking if you need a WiFi enabled TV (smart TV) or WiFi to the TV? Could just speak for myself but I don't need a smart TV. However, I do need WiFi to the TV which I get thru a decent WiFi enabled bluray player. Hook up a HDMI cable f...
by fsrph
Thu Jun 12, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: TV - is wifi needed or desirable?
Replies: 25
Views: 2111

Re: GoDaddy - Any better options for website hosting?

Is it a simple static web site, or something interactive that needs a database or server code? For a simple static web site, look at fastmail.fm, which is very very cheap. I did the website myself following an online template. I do not know how to write code. Anyway, this is one of the websites htt...
by fsrph
Tue Jun 10, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 21
Views: 3364

GoDaddy - Any better options for website hosting?

I have two websites. They are for recreational use, just of things I like in life. I have used GoDaddy (GD) to host them, no real problems till now. It's renewal time. GD always had quite good discounts for website renewals but they seemed to have recently eliminated all renewal discounts. I renewed...
by fsrph
Tue Jun 10, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 21
Views: 3364

Re: When to take a Non-COLA Pension

I have the same decision as yours coming up soon (except different monthly amounts). I also could receive 50% at 55 years of age. I thought of delaying to the full benefit. I could get by fine without the early benefit. But, I talked to a few other employees and they are all taking the benefit at 55...
by fsrph
Wed Jun 04, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1191

Re: How much $ savings needed to change car insurance compan

I feel your number of years with a company can be factor. I hope Amica will show me some loyalty if I ever need it, after having my auto coverage with them for nearly 50 years. I wouldn't change carriers for almost any savings. Bruce I was hoping loyalty at State Farm would mean something. But, I'm...
by fsrph
Sat May 31, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $ savings needed to change car insurance companies?
Replies: 29
Views: 2065

Re: How much $ savings needed to change car insurance compan

I have GEICO auto and umbrella policies and am pleased with their service. If you move auto insurance to another company, will that affect your other policies like umbrella or homeowners? Some companies offer multiline discounts. Maybe get quotes from GEICO for the homeowner and umbrella too. Good ...
by fsrph
Sat May 31, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $ savings needed to change car insurance companies?
Replies: 29
Views: 2065

How much $ savings needed to change car insurance companies?

I was thinking about changing car insurance companies. Details are in my previous post http://www.bogleheads.org/forum/viewtopic.php?f=2&t=139189 . I received my renewal notice from State Farm and know what the savings will be. These quotes are for the exact same coverage. State Farm $740 per ye...
by fsrph
Sat May 31, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $ savings needed to change car insurance companies?
Replies: 29
Views: 2065

Re: Worst "Large purchase" ever?

poker27 wrote:
frugalhen wrote:Interesting how so many people regret car purchases..........


Well in my mind there are only 3 things that cost more then $10k, homes, jewelry, or cars.

I have another. Buying individual internet stocks during the internet bubble. Way, way more than 10 K involved.

Francis
by fsrph
Sun May 25, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 12130

Re: In-store prices on the web?

I know with Walmart's website if you set a home store it supposed to show you prices and availability for that specific store. Can also ship to your home store from other stores via store to store program at the same price.

Francis
by fsrph
Sun May 25, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: In-store prices on the web?
Replies: 4
Views: 561

Re: Offered a new job today but 50/50 mixed

If you can afford it I'd go with job #2. Much better quality of life. Job #2 has total compensation of more than 38k when you add in the better benefits. Plus you have advancement opportunities at the university. I know people who started at a relatively low level at our local college but over the y...
by fsrph
Thu May 22, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Offered a new job today but 50/50 mixed
Replies: 28
Views: 2775

Re: Switch car insurance? State Farm vs GEICO

Also of note, Geico offers a substantial discount if you own any Berkshire Hathaway stock. A single share of BRKb qualifies. Thanks for the information. I didn't see a way to enter this discount in the online quote form. So I emailed GEICO and their response was: Thank you for your e-mail request. ...
by fsrph
Fri May 16, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Re: Can I be a boglehead and join a golf club?

Hello Bogleheads: I can't say this is a particularly important financial decision, but I wanted to bounce the situation off the community. Dear spouse and I have agreed  to look into a country club membership. The main reasons are to enjoy golf (me), pool (wife and daughter) and a nice place to eat...
by fsrph
Fri May 16, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4720

Re: Switch car insurance? State Farm vs GEICO

I believe I heard Clark Howard (or someone else on the radio) mention recently that some auto insurance companies are taking advantage of loyal customers like yourself and raising rates because they know they are unlikely to leave. I think it's good to keep the auto insurance companies on their toe...
by fsrph
Fri May 16, 2014 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Re: Switch car insurance? State Farm vs GEICO

Always shop around. State Farm's draw is an antiquated idea of having an agent. An agent really isn't necessary anymore as all the info you need is at your fingertips on the internet. I used to change companies almost every policy period and would just jump from the lowest bidder to the next (GEICO...
by fsrph
Fri May 16, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Re: Switch car insurance? State Farm vs GEICO

Middle wrote:The tricky part is comparing apples to apples with the insurance coverage you're getting.

When I entered my info on the GEICO quote request somehow it knew what coverage amounts I had with State Farm. Easy to compare.

Francis
by fsrph
Fri May 16, 2014 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Re: Switch car insurance? State Farm vs GEICO

I just wanted to thank everyone for the wonderful replies. Especially liked the information that GEICO kept rates stable, so most likely they're not offering me a low teaser rate to switch. Also their customer service seems top notch. I think I'm going to switch, just have to wait for the renewal fr...
by fsrph
Fri May 16, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Switch car insurance? State Farm vs GEICO

I've been a customer of State Farm for over 25 years. No accidents or claims for as long as I can remember. I have two cars and receive a multi car and safe driving discount. My agent called me today and my insurance is going up, not a lot but still up. Annual premium is about $850. I decided to loo...
by fsrph
Tue May 13, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4675

Re: Do you love your job? What do you do?

Hospital pharmacist. The job has changed a lot over the years. Corporate for-profit hospital ownership is everywhere around my area. Doing more with less pharmacists and technicians. On the other hand, my salary is higher than ever. And had yearly raises every year. So, it's not that bad but I enjoy...
by fsrph
Sat Mar 22, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11224

Re: How much internet speed is enough?

So...I think 5-6 Mbps is plenty for what I do, and 12 Mbps (which is the next plan up from my current plan, would provide a nice surplus.) Beyond that, I see no good reason to pay extra to get 100x that speed. This is exactly my experience - 5-6 Mbps is plenty, even for HD streaming. However, my wi...
by fsrph
Fri Mar 21, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 1699
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