Search found 2952 matches

by Steelersfan
Sat Feb 06, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 57
Views: 2912

Re: Impact of Obamacare on investment decisions

Medicare starts at age 65 no matter when you start taking SS. The high income adjustment affects your Medicare premium and, just fyi, includes any non-taxable interest your investments throw off. Yes, but I am not making anywhere near $85K in income, which I believe is the cutoff for affecting medi...
by Steelersfan
Sat Feb 06, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 57
Views: 2912

Re: Impact of Obamacare on investment decisions

Plan on maintaining income below the roughly $64,000 (4x FPL for 2015) to maintain ACA subsidy. If and when I need to liquidate any taxable mutual funds (all LTCG holdings) I will off-set with TLH carry-over amounts. Not itching to harvest taxable gains yet, unless needed, until reach age 65 (curre...
by Steelersfan
Sat Feb 06, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 57
Views: 2912

Re: Impact of Obamacare on investment decisions

Be aware that there's an income effect on your Medicare premiums if your income goes up to certain levels. If your income goes up for just one year you'll only pay the higher premium a year or two later. It may or may not be more than the loss of your ACA subsidy. https://www.ssa.gov/pubs/EN-05-105...
by Steelersfan
Sat Feb 06, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 57
Views: 2912

Re: Impact of Obamacare on investment decisions

Be aware that there's an income effect on your Medicare premiums if your income goes up to certain levels. If your income goes up for just one year you'll only pay the higher premium a year or two later. It may or may not be more than the loss of your ACA subsidy. https://www.ssa.gov/pubs/EN-05-1053...
by Steelersfan
Wed Feb 03, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Adjustment: Life Changing Event
Replies: 2
Views: 408

Re: Medicare Adjustment: Life Changing Event

mur44 wrote:You need two separate applications.


Agree.
by Steelersfan
Wed Feb 03, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6407

Re: What age did you retire

60. Expected to work longer but corporate life had changed beyond recognition, and gave little non-monetary reward.

They made it a numbers thing ,so I did to. I had enough numbers in investments and got out.
by Steelersfan
Tue Feb 02, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retired - do you still save?
Replies: 24
Views: 1968

Re: Retired - do you still save?

One CD and one I-Bond in eight years, so not much.

I give priority to modest annual gifts to adult children rather than add to my savings.
by Steelersfan
Mon Feb 01, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Forming LLC to buy condo?
Replies: 20
Views: 1463

Re: Forming LLC to buy condo?

We have two units in our condo that are owned by the same LLC. The investors in the LLC are husband and wife lawyers and investing in condo units is one or their strategies. They also own a few other condo units in other associations. Besides other benefits, it probably makes the accounting easier.
by Steelersfan
Thu Jan 28, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the timing of SS filing
Replies: 9
Views: 866

Re: Question about the timing of SS filing

Toons wrote:I filed 3 months prior :happy


+1
by Steelersfan
Thu Jan 28, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retired & Estimated tax payments ???
Replies: 27
Views: 1102

Re: Retired & Estimated tax payments ???

I receive a pension and SS. I have tax deductions taken from both. I make estimated payments for my state income tax.
by Steelersfan
Sun Jan 24, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Contract interpretation [Votes required to change revision]
Replies: 5
Views: 375

Re: Contract interpretation

There's somewhere in the contract where they say how people who don't vote are handled. In my condo amendment process, all potential participants matter and non-voters were counted as No votes. That may or may not apply to your contract. Depending on the number being multiplied it's not usually goin...
by Steelersfan
Sun Jan 24, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones accounts - leave open or close?
Replies: 31
Views: 1979

Re: Edward Jones accounts - leave open or close?

Almost all people who have moved from EJ have reported paying exit fees. But you're going to pay those some day when you do move, so make the move and get them behind you. If for some reason you don't get charged, just consider yourself lucky. They're small enough to just be a nuisance to you, but w...
by Steelersfan
Sat Jan 23, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones accounts - leave open or close?
Replies: 31
Views: 1979

Re: Edward Jones accounts - leave open or close?

Tell him/her that you're a really quick learner, ready and able to own up any mistake you might make.

Those are pretty admirable qualities.
by Steelersfan
Sat Jan 23, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: High income earners and retirement budget?.
Replies: 37
Views: 4272

Re: High income earners and retirement budget?.

Sounds perfectly fine to me.

I wasn't that high an earner but did quite well while I was working. My expenses are well less than 75% of my pre-retirement income.
by Steelersfan
Fri Jan 22, 2016 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 4996

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I've used TaxAct for the last several years and am doing so again. I
by Steelersfan
Fri Jan 22, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Just Want To Be Sure [Taxable income]
Replies: 7
Views: 740

Re: Just Want To Be Sure

I'm no expert on AA subsidies so I can't tell you how those calculations work, but as long as none of your investments are in tax exempt instruments or mutual funds, your income calculation seems right to me. Be sure to include any interest paid to you (but not your withdrawals) by your "cash a...
by Steelersfan
Fri Jan 22, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Just Want To Be Sure [Taxable income]
Replies: 7
Views: 740

Re: Just Want To Be Sure

Tax exempt income counts too, plus several other things. Here's a page with the complete list:

https://www.healthcare.gov/income-and-household-information/income/
by Steelersfan
Wed Jan 20, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap plan F--Aetna or Statefarm
Replies: 23
Views: 1546

Re: Medigap plan F--Aetna or Statefarm

I have AARP Medigap Plan F. They are very easy to deal with. Although it is administered by UnitedHealthcare, which is probably the worst company imaginable for denying claims for non-Medicare services, the AARP plan is run totally differently. I have never had anything denied. As other posters hav...
by Steelersfan
Wed Jan 20, 2016 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Planning For Future Estate Taxes
Replies: 18
Views: 1457

Re: Planning For Future Estate Taxes

Just to repeat something an earlier poster said it's the estate, not the beneficiaries, who pay the estate tax.

How you fit into getting the money to pay the tax is unclear.
by Steelersfan
Tue Jan 19, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7908

Re: Retiring and people seem to aviod me

I see the folks I used to work with on a regular basis.

They are clearly envious of my retirement and can't wait to join me when they are able to do so.
by Steelersfan
Tue Jan 19, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawl prior to divorce
Replies: 8
Views: 1173

Re: 401k withdrawl prior to divorce

Most plans also limit you to a percentage of the total balance in the 401k, e.g. 50%. Check what your particular plan documents say.
by Steelersfan
Tue Jan 19, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap plan F--Aetna or Statefarm
Replies: 23
Views: 1546

Re: Medigap plan F--Aetna or Statefarm

Check out the Humana Walmart Rx Plan PDP drug plan.

I've had it a year and I am satisfied and hear good things about it from others. I do the mail order option.
by Steelersfan
Tue Jan 19, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Planning For Future Estate Taxes
Replies: 18
Views: 1457

Re: Planning For Future Estate Taxes

If they sold all their equipment (very expensive stuff), won't there be quite a bit of assets outside the family farm trust?

Will they need all the rental income to live on, or will they be able to save some of that, outside the trust?
by Steelersfan
Mon Jan 18, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Premiums if I have retired?
Replies: 9
Views: 898

Re: Medicare Part B Premiums if I have retired?

Thanks for the experiences. I figured some other shipmates must have run into this. I will try to take the SSA-44 form and documentation in when my DW signs up for Medicare. We will see if they accept it at that point, of if the adjustment must come in retrospect after they send you a letter with y...
by Steelersfan
Mon Jan 18, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Premiums if I have retired?
Replies: 9
Views: 898

Re: Medicare Part B Premiums if I have retired?

I did a few years ago. I took all the relevant documents that proved my income would go down that year, filled out the SSA-44, took it to my local SS office and within weeks I got a letter giving me the good news.

Be sure the documents you provide make an iron clad case for the drop in income.
by Steelersfan
Mon Jan 18, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Safety of new Corolla vs new Camry
Replies: 38
Views: 2419

Re: Safety of new Corolla vs new Camry

They up sized the Corolla about 2014 so it's now 3' - 4' longer and wider and about 10% heavier than the 2007. It's not a small car any more, no matter how they classify it. The 2014 Coorlla is just about the same size and weight as older Camry's. You're getting a safer car just from weight and dime...
by Steelersfan
Sun Jan 17, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp using Master Trust, High fee 401k plan. Why?
Replies: 20
Views: 1087

Re: Megacorp using Master Trust, High fee 401k plan. Why?

If all you have are stats for the entire Master Trust then you should focus on the one for "OLD NAVY", i.e. how many participants and how many assets. It may have many small accounts with lots of turnover of participants so get charged more to cover those costs. Neither Brightscope or DOL...
by Steelersfan
Sun Jan 17, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp using Master Trust, High fee 401k plan. Why?
Replies: 20
Views: 1087

Re: Megacorp using Master Trust, High fee 401k plan. Why?

I went to brightscope and DOL before making the original post. I think what you are misunderstanding is that not all 240,000 employees have the same 401k plan. Imagine my megacorp is GAP, Inc. Imagine that my division is OLD NAVY (FYI - OLD NAVY is a division of GAP). I have the OLD NAVY Safe Harbo...
by Steelersfan
Sun Jan 17, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: how long can a car last?
Replies: 26
Views: 2058

Re: how long can a car last?

I finally traded in my 1997 Toyota Camry two years ago. I drove it for 17 years and put 85,000 miles on it. It was garage kept and clearly not driven many miles a year. It was in fine shape and I'm sure it would have been good for many more years, but I finally gave in to a latent lust for a new car.
by Steelersfan
Sat Jan 16, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: HOA question
Replies: 11
Views: 1118

Re: HOA question

On the flip side, in many cases it can be difficult or impossible to get a mortgage for a condo in an HOA under some minimum percentage of owner occupied. Lack of lending will depress sales, for sure. If I recall, that number was 66% for my HOA in San Diego. The restriction is more than 50% or more...
by Steelersfan
Sat Jan 16, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: HOA question
Replies: 11
Views: 1118

Re: HOA question

One possible problem, even with the current owners grandfathered in with the ability to rent, is that future sales might be somewhat affected, especially if this is in a desirable rental area (such as a resort/vacation area, or where many people tend to rent). RM We had no rental restrictions and w...
by Steelersfan
Thu Jan 14, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 22
Views: 1908

Re: Best DNA genealogy testing kits

I'm still German and she's still British/Irish (though with an unexpected touch of Iberian Peninsula DNA ... a Latin lover in there somewhere, apparently). DNA tests look back into different periods of history to do their analysis, which is why you can get different results from one company vs the ...
by Steelersfan
Wed Jan 13, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo - Tough questions to ask?
Replies: 32
Views: 3797

Re: Buying a condo - Tough questions to ask?

1. Look at reserve fund levels 2. Look at history of condo fee increases 3. Look at history of any special assessments 4. Physical structure of building and mechanical - have they been maintained well, are replacements being budgeted for? 5. Do owners have a record of not having any or minimal fee ...
by Steelersfan
Tue Jan 12, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 22
Views: 1908

Re: Best DNA genealogy testing kits

Mine came out reflecting what I knew about my ethnicity, except for tiny amounts of a couple of other areas. My guess is that is reversed - the Vikings invaded/visited for trading and scattered some of their DNA around in those areas, so DNA from those areas shows up in my results. It's very common...
by Steelersfan
Tue Jan 12, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 22
Views: 1908

Re: Best DNA genealogy testing kits

I suggest you take the autosomal DNA test at Ancestry.com, and then transfer the raw DNA data for free to Gedmatch.com and to FTDNA.com. Ancestry has the largest data base among other things. Gedmatch has several interesting features such as chromosome browser comparisons, multiple programs for eth...
by Steelersfan
Tue Jan 12, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 22
Views: 1908

Re: Best DNA genealogy testing kits

This article from one expert source gives some good insight. Note that the prices are Christmas discount prices, so wait unit the next sale or up the listed prices but about 20%. http://www.legalgenealogist.com/blog/2015/12/13/all-you-want-for-christmas/ Most of the action these days is in autosomal...
by Steelersfan
Sat Jan 09, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old 401K
Replies: 13
Views: 551

Re: What to do with old 401K

The new company's plan has to accept funds from a 401k from the previous employer. Some do, lots don't. It doesn't matter that they both use Fidelity as their provider.

Do you know if your new employer will let you roll your old 401k in?
by Steelersfan
Fri Jan 08, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Family Tree Software / Genealogy Website Recommendation
Replies: 24
Views: 1272

Re: Family Tree Software / Genealogy Website Recommendation

I used PAF until they recommended I switch to Ancestral Quest. AQ can import PAF data and it is nicer and supported. http://www.ancquest.com/index.htm http://www.ancquest.com/paf/ They have a free version that I know nothing about but it might be a good way to see if it works for you before upgradi...
by Steelersfan
Fri Jan 08, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Family Tree Software / Genealogy Website Recommendation
Replies: 24
Views: 1272

Re: Family Tree Software / Genealogy Website Recommendation

I would try out several apps with a small data set of my own first. Once you choose one, you'll pretty much be stuck as, IMO, none of the data really moves that well from one software to another, primarily because the GEDCOM standard is so poor and open to interpretation by developers and how each ...
by Steelersfan
Thu Jan 07, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo - Tough questions to ask?
Replies: 32
Views: 3797

Re: Buying a condo - Tough questions to ask?

One way to check out a condo is to see if the building units are qualified for FHA financing: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=181332 If FHA qualified it means that certain minimum standards (renter/owner ratios, insurance, etc) have been met: http://www.mtgprofessor.com/A%...
by Steelersfan
Thu Jan 07, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Family Tree Software / Genealogy Website Recommendation
Replies: 24
Views: 1272

Re: Family Tree Software / Genealogy Website Recommendation

If you really want to see the original documentation with which to build your tree, especially if it goes back a way, it's hard to avoid ancestry dot com. Stingy as I am, I join for a bit, work hard at it, then cancel till the next urges strike! Ancestry.com is free to use at many local libraries a...
by Steelersfan
Thu Jan 07, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Family Tree Software / Genealogy Website Recommendation
Replies: 24
Views: 1272

Re: Family Tree Software / Genealogy Website Recommendation

The bad part is that anyone (and I mean anyone) who has an account on the site (also free) is able to change anyone else's posted genealogy. I doubt if it happens often but it certainly does happen. The worse part is that anyone can copy your tree, paste it into their own tree and present it as the...
by Steelersfan
Thu Jan 07, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Family Tree Software / Genealogy Website Recommendation
Replies: 24
Views: 1272

Re: Family Tree Software / Genealogy Website Recommendation

Take a look at http://www.familysearch.org. Also geni.com. Be careful before you post possibly personal information online. Check how they deal with living people. Read their disclosures and privacy statement very carefully. It's usually the case that of you post data, they own it. L. I don't know ...
by Steelersfan
Thu Jan 07, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: Family Tree Software / Genealogy Website Recommendation
Replies: 24
Views: 1272

Re: Family Tree Software / Genealogy Website Recommendation

Here are some recent threads that cover most people's opinion, with pros and cons mentioned a few times: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=176242 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=158386 You can use search feature and probably find more.
by Steelersfan
Wed Jan 06, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo - Tough questions to ask?
Replies: 32
Views: 3797

Re: Buying a condo - Tough questions to ask?

Agree on the budget and adequate reserves. If you're looking at places that small I don't know that you'll find a lot of formal budgeting, minutes from meetings, etc. That makes it harder to use those and you'll be more reliant on talking to existing owners. I don't think anyone mentioned asking for...
by Steelersfan
Wed Jan 06, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Wells Fargo for Scottrade.Can I transfer my American Funds without getting another load hit?
Replies: 19
Views: 1555

Re: Leaving Wells Fargo for Scottrader

livesoft wrote:
Franko1966 wrote:Can I transfer my American Funds A-shares from Wells Fargo to Scottrade without getting hit again with the front load? Thank you!

Definitely, yes.

As he said, definitely yes.
by Steelersfan
Wed Jan 06, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: selecting Airline for international travel WWYD?
Replies: 57
Views: 1998

Re: selecting Airline for international travel WWYD?

Always go with the direct flight, although that price difference would make me think hard.

Or ask for advice on this forum to help me sway my stingy ways. :happy
by Steelersfan
Tue Jan 05, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: FTSE All-World ex-US vs.Total International Stock?
Replies: 7
Views: 713

Re: FTSE All-World ex-US vs.Total International Stock?

I've used them a couple of times to tax loss harvest my international holdings back and forth.

I wish every decision was so easy.

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