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this pdf file-4th page down right hand side. http://www.coveredca.com/news/PDFs/CC_Health_Plans_Booklet.pdf Thanks ! i did not say eliminate all-but a 25 dollar generic co-pay eliminates quite a bit Right, most generic prescriptions would cost under $25. But you would end up paying the actual drug ...

thats not the point-by instituting a 25 dollar generic co-pay-because 80 percent of prescriptions are generic(most insurance demands generics if available) these plans have basically eliminated most prescription insurance costs to the plans Where did you see the info about the $25 generic ? I agree...

The whole ebay auction system is flawed, IMO. People should not be able to bid in the last second and get away with it. In a proper auction, the auction would be extended by some amount of time after a bid to allow others to make other bids. As a seller, I really hate the system, and I have been kno...

Rick Ferri wrote:I've learned over the past few weeks that there are two investment topics that people become very passionate about - gold and houses.

Only two ?

Seems high-yield bonds and the Small value premium are at least as good a source of passion on the BH forum .

I apparently live in one of those non-average regions. Average home prices are shooting up again here in West San Jose, California. They are higher than ever. :shock: Well, just come to East San Jose then. The prices are not anywhere near their peaks. http://i1286.photobucket.com/albums/a605/rabidm...

I just read the article from Allan Roth - looks like he had the exact same experience that I did, as I related in my previous post.

With Lending Club, I have a harder time figuring out my actual return because I need to choose the loans myself. That mean there's often cash sitting in my LC account uninvested. Furthermore, it's quite common for borrowers to prepay their loans. That also makes it challenging to calculate a return...

Scooter57, Madbrain, Everyone in Masaschusetts with or without employer-provided insurance has access to a group plan. How much it costs depends on your age and your zipcode. The insurer is not allowed to ask you about your health status when you sign up. Unfortunately, it doesn't really give me muc...

His plan likely still takes care of 95% of his health care risks. For the remaining 5% then, yes, those individuals are going to need to continue to work. I don't think you'll find any disagreement there. He even states those with pre-existing conditions, etc. are out of luck. But, that isn't him r...

1) A good quality plan does not cost anywhere near $12k for an individual. I have what is considered a "cadillac plan" through my employer. The total cost per year (which they're quite happy to remind me of) is under $10k/year for a family of 3. So I hate to burst your bubble... The premi...

Scooter57, Insurance that will pay for HIV drugs and other conditions isn't ruinously priced for people without employers in Massachusetts, so its possible to live a frugal life there on an income of 25-35k. I've done it (not with HIV but with another condition) and know plenty of others who have to...

I am still questioning why people are attacking his health insurance. I don't see how having a pre-existing high deductible health insurance plan is any more risky than having a health insurance plan that is dependent on one's employment. It's not like people can't lose their jobs and their health ...

It would be quite difficult to use assets to determine eligibility for subsidized healthcare. One family has $300K in the bank and rents, the other family has a paid off house worth $290K and 10K in the bank. Which one gets subsidized healthcare? Income from assets should and will be counted, such ...

2. After reading MMM, I bought a bread machine. Couldn't be happier (though by this date I am not sure I've reached the pay-off point.) Now that I have started visiting MMM's web site, I noticed that he is advocating a no/low-carbohydrate diet, which makes a bread machine quite useless. Victoria Be...

I also don't believe he lives on 25k a year. You don't get 3 people to Hawaii for a multi-week vacation on a 25k a year budget... Rather difficult to bike there. Now he says he traded renovation work for the vacation... That's exactly the same as getting paid $10k for renovation work, and using tha...

Love to know how he manages health insurance. http://www.mrmoneymustache.com/2011/09/21/i-can-never-retire-because-of-health-insurance-waaah-waaah/ I like this guy. He keeps his expenses low - there's a post in there somewhere detailing his yearly budget. That works great for someone who has never ...

madbrain First, PCRIX does not use any leverage Maybe not anymore, but it seems that it may have in the past, before the 2008 events. http://socialize.morningstar.com/NewSocialize/forums/t/210776.aspx I can't find the current liabilities for it, so maybe it stopped using leverage. The fund summary ...

Bradley Are you going to deny that HY bonds went down during the periods like 2008 and 2002 when the safety of the bond side was needed most? Larry, Nobody has denied that HY went down in 2008. But what you fail to admit, acknowledge or discuss is how your chosen commodity diversifier PCRIX behaved...

I think we need a new coin for that.

Call Suze Orman and find out.

slowandsteadyone wrote:Personally I think Zillow is not accurate. I think its primary purpose at this point is to be used by home buyers to beat up home sellers.

I think it goes both ways, their estimates can sometimes be underestimated or overestimated.

It seems to depends on the time of the day, the phases of the moon, and the age of the captain. http://i1286.photobucket.com/albums/a605/rabidman76/zillow_zps659ff3a8.png http://i1286.photobucket.com/albums/a605/rabidman76/zillow2_zpscb7fafde.png The nice thing about the price curve is that it doesn...

Seems amazing. I am at 3.375% 30 year fixed, done with First IB last fall, but they did cover all closing costs. I know you said the closing costs were low, but do you mind sharing what the amount was, in any way you wish - actual $ out of pocket, percent of total loan amount, or how many months/yea...

And I don't mean refund. I mean return in terms of paperwork. My federal return : 23 pages to be filed. Plus another 159 pages of Turbotax worksheets for our records. My partner's return : 12 pages to be filed. Plus another 30 pages of Turbotax worksheets for our records. 159 worksheets, heavenly d...

I haven't printed it out yet, but I will have: 1040 (2 pages) Schedule A Schedule B Schedule D (2 pages) Form 1116 for foreign tax credit (2 pages) Form 8606 for backdoor Roth IRA (2 pages) Form 8889 for Health Savings Account Form 8949 (4 parts, for covered and non-covered short-term and long-term...

My 1040, status "single" : 2 pages Schedule A : 1 Schedule B : 1 Schedule D : 2 8949 : 2 Schedule E : 1 6251 : 2 8606 : 2 8958 : 3 8801 : 4 5695 : 2 Additional information (about recharacterization, and mortgage interest split) : 1 Total : 23 pages My partner's federal forms : Payment vouc...

0. Used turbotax. Paper returns are old school. I used Turbotax as well, but could not e-file. Pages transmitted electronically still count. Anyone with a "community property income adjustment" on form 1040 line 21 ("other income") is disqualified from e-filing. This includes 10...

One spreadsheet tab; the rest is packaging. Victoria I have a spreadsheet for every year as well to try to double-check that the software is doing the right thing. It was all good until a few years ago. The depreciation for a partially rented house did me in and was too complex to add into a spread...

Sidney wrote:zero, I e-file and keep a PDF file of the return for my records.

Your tax return PDF still contains pages, so you can still vote based on that even if you didn't print anything.

And I don't mean refund. I mean return in terms of paperwork. My federal return : 23 pages to be filed. Plus another 159 pages of Turbotax worksheets for our records. My partner's return : 12 pages to be filed. Plus another 30 pages of Turbotax worksheets for our records. 159 worksheets, heavenly d...

And I don't mean refund. I mean return in terms of paperwork. My federal return : 23 pages to be filed. Plus another 159 pages of Turbotax worksheets for our records. My partner's return : 12 pages to be filed. Plus another 30 pages of Turbotax worksheets for our records. Our joint California return...

It's missing a negative option.

I paid AMT for the first time last year. This year I am getting an AMT credit for the full amount of last year's AMT according to Turbotax.

i just test-drove a 2013 Nissan Murano for the second time, with the CVT. The thing I noticed both times, and don't like, is that when I'm taking off slowly from being stopped the acceleration was jerky instead of smooth. I wasn't lead-footing it at all. It wanted to surge a little and then abruptl...

Has anyone else noted how poorly EM (VWO) has performed compared to DIA in the past 1yr, 3yr time-frame. The last time I remember EM performing so poorly, they came roaring back. Similar thing is noticed for VSS vs US small cap. I can't find a good vehicle for EM small cap (apart from DFA which I d...

trudy, i would have loved to have not retired. But I was a software engineer (two MIT degrees) and got laid off in the dot com collapse, and the job market for women in their fifties in a technical field is zero. I got told to my face more than once that I was "too old" or "would not ...

1. 40%
2. no

A future income stream has a present value. A present value can be converted to a future income stream. They are interchangeable. I agree that you can convert a present value to a future income stream (ie. annuitize). That's a choice one can make. But you can't convert a future income stream to a p...

The optimal time is when you :

a) need the insurance
b) are still in good enough health to be considered insurable

I think this relates to personal finance, so here goes: Just wanted to give the Bogleheads a heads up on something I found out today. ~25 days ago, I bought a watch from Amazon for $95. Today, I happened to see that the watch price had dropped to $65, a 30% change or so! I called Amazon politely as...

As hicabob stated, many people find the driving experience with CVT's very distasteful. I will make the opposite point. My first car was a Prius 2001 with a CVT. The only "regular" automatics I have driven are rentals. I hate the terrible noise and uneven acceleration when gears change. C...

Rodc wrote:Right. If they want a different concept they should just say so and give it a different name.

Which they did.

Various threads have addressed this topic in the past, and usually seem to conclude that the present value of SS benefits should not be counted as parth one's net worth, or that they should not be counted for asset allocation purposes. However, I now note with interest that researchers at Dartmouth...

It was certainly an entertaining hour long interview, broadcast March 11. He had some interesting things to say about demographics and alternative energy. The man certainly believes in inefficient markets, irrational buyers and sellers, crooks, to name just a few. I lost track of all the bubbles he ...

14% on principal and interest.
Another 9% on property taxes and insurance.

nisiprius wrote: http://www.pionline.com/article/1999040 ... /904050734 IBBOTSON FORECASTS DOW AT 120,000 WITHIN 25 YEARS ; DON'T LAUGH YET -- HE WAS RIGHT THE LAST TIME. Would someone mind creating a product I can use to mercilessly short that? Please? I really need to get on the other side of tha...

I own my own home and therefore do not itemize my taxes. My wife and I together earn about $150k/annual, and have two kids. How can I reduce my tax bill, if that is even possible? Thanks for any help. Yes, it's possible. There are many tax credits you can take, for example the 30% tax credit on pur...

In 2013: pay real estate taxes for 2013 and 2014 (early). Make charitable donations for 2013 and 2014 (double up). State income taxes are paid as normal. Itemize deductions in 2013. In 2014: Pay no real estate taxes (already paid) Make no charitable donations (already made). State income taxes are ...

For me it is great, I was able to buy Vanguard Emerging Market ETF in my 401k over a year ago, since my plan doesn't have an emerging market fund option.

That purchase is the only trade I have placed so far. It could be many years before I make another trade.

My own sense is the Volt, as a true plug in HEV, is the way things are going. For 70-80% of journeys, you'll hardly need the gasoline engine. But for the sudden 'go and see your mother in Boston' 500 mile drive the capability is there. However the cost differential over a conventional ICE car is st...

Thanks for the constructive and well sourced response. :happy I can add the following info, in hopes of benefiting those on the board as to my real world experience with the Volt. I pulled out my 2013 window sticker, and the EPA rates the 2013 model at 35 kWh/100 miles in electric only mode. Conver...