Search found 1132 matches

by earlyout
Thu Feb 04, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: IRS 1095 equivalent for short term health coverage?
Replies: 16
Views: 853

Re: IRS 1095 equivalent for short term health coverage?

Thanks. I did not know that about COBRA coverage.
by earlyout
Thu Feb 04, 2016 8:00 am
Forum: Personal Finance (Not Investing)
Topic: IRS 1095 equivalent for short term health coverage?
Replies: 16
Views: 853

Re: IRS 1095 equivalent for short term health coverage?

Another interpretation would be that the Health Partners plan does not qualify for MEC and that is why they don't issue 1095s. But it you were covered by Cobra for June and part of July and your new coverage started in September then it is only August when you were not covered and your short term ex...
by earlyout
Sun Jan 31, 2016 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 64
Views: 10370

Re: Retirement - Ten key years

As part of your overall planning process be sure to include some alternate scenarios for life events that may change your overall plans in very drastic ways. What if you or your spouse die a year after your retirement? What if you find that you need LTC for dementia or other dibilitating disease? Wh...
by earlyout
Sat Jan 30, 2016 5:38 pm
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 32
Views: 1532

Re: New Board Index Topic - Retirement Planning

I don't know the percentage but I think most viewers start with the Boglehead.org page where the threads of the different Boglehead forums are mixed together and all new posting are seen by many viewers. Using this page makes it easy to skip something that does not appear interesting and it is much ...
by earlyout
Sat Jan 30, 2016 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 64
Views: 10370

Re: Retirement - Ten key years

Five years before retirement, start doing your own income taxes if you are not already doing so. You must understand income taxes so you can do a reasonable job of planning for cash to spend, planning Roth conversions, looking at different Social Security claiming strategies, etc.
by earlyout
Fri Jan 29, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing jointly vs separately when I have business deductions
Replies: 21
Views: 829

Re: Married filing jointly vs separately when I have business deductions

You also want to look at the effect your state income taxes have on your tax situation. Sometimes MFS is better with state income taxes so it may balance out the higher amount you owe on Federal taxes. Look at the complete picture rather than at individual pieces.
by earlyout
Thu Jan 21, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7282

Re: What was your biggest unexpected home expense?

Replacing an $8000 built in refrigerator after 2 1/2 years that we expected to last 12-15 years. It was just out of warranty of course.
by earlyout
Fri Jan 15, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable or Not
Replies: 5
Views: 544

Re: Taxable or Not

Did you make non-deductible contributions to the pension plan while you were working? If you did, did you roll over your contributions to an IRA? If you did contribute and did not rollover your contributions when you retired, your pension payments include money that has already been taxed. No sense ...
by earlyout
Sat Jan 09, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: What to do with my Audi A3 TDI
Replies: 54
Views: 3527

Re: What to do with my Audi A3 TDI

VW/Audi insists that it is strictly a goodwill gesture. There are no strings attached to the $1000 and accepting the gift has no effect on future settlement options.
by earlyout
Sat Jan 09, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Smartphone security 101?
Replies: 45
Views: 3586

Re: Smartphone security 101?

You might want to buy gift cards for the Play store and use those rather than a credit card to buy apps.
by earlyout
Fri Jan 08, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Insurance for millionaires?
Replies: 61
Views: 5211

Re: Insurance for millionaires?

I often say that if I'm in a care facility, I won't be buying Teslas, traveling, eating at restaurants, etc. My DW might be doing some of that, but less than we would together. Consumer Reports says that, in NJ, self-insurance is a viable option for couples with $2.5M in liquid assets. This is some...
by earlyout
Sat Dec 19, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc - Take Social Security Benefits Early is Better?
Replies: 51
Views: 3800

Re: FIRECalc - Take Social Security Benefits Early is Better?

Are your estimates for SS benefits at the different ages from your SS statements? If so, you need to be aware that these values assume you will work until you reach your FRA with your present wages and that you will continue to contribute to Social Security. If you want to calculate what your benefi...
by earlyout
Mon Dec 14, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding parents joint revocable trust
Replies: 2
Views: 293

Re: Question regarding parents joint revocable trust

If you are the one that was named trustee and based on the questions you ask, my only advice to you is find an estate lawyer that you trust sooner rather than later.
by earlyout
Mon Dec 07, 2015 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion question
Replies: 12
Views: 951

Re: Roth conversion question

ACA premium credits are based on a modified household AGI, not taxable income. The exemption(s) and deductions do not enter into the calculation of the credits. The conversion of a traditional to a Roth IRA would increase this MAGI. If one of you have a tax program from last year, it would be best t...
by earlyout
Sat Dec 05, 2015 10:58 pm
Forum: Personal Consumer Issues
Topic: Looking for new VoIP provider
Replies: 23
Views: 927

Re: Looking for new VoIP provider

I looked up my pricing and I have the "value" plan so it is $0.99 per month. I also use Anveo on the same OBI device for e911. As I recall voip.ms did not have 911 service at the time I set up the system. I think Anveo is less than $1.00 a month for just e911, I can't use it for any other ...
by earlyout
Sat Dec 05, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: Satellite Radio for a Car Not Specifically Wired
Replies: 15
Views: 1230

Re: Satellite Radio for a Car Not Specifically Wired

I had a free trial subscription in a new car and just let it expire. It wasn't long before I had email solicitations and telephone calls offering special prices if I would subscribe. After a month or so I called and got 6 months for $28. It will expire in a couple of months and I'll try again.
by earlyout
Sat Dec 05, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Looking for new VoIP provider
Replies: 23
Views: 927

Re: Looking for new VoIP provider

I've been using voip.ms with an OBIhai 100 for the past 2 years with no problems. I think I paid $30 for the OBI device and I pay a few dollars a month from a prepaid account for U.S. calls. International calling is cheap but is charged by the minute. I connect my Canon printer/fax to the OBI and m...
by earlyout
Sat Dec 05, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Looking for new VoIP provider
Replies: 23
Views: 927

Re: Looking for new VoIP provider

I've been using voip.ms with an OBIhai 100 for the past 2 years with no problems. I think I paid $30 for the OBI device and I pay a few dollars a month from a prepaid account for U.S. calls. International calling is cheap but is charged by the minute. I connect my Canon printer/fax to the OBI and my...
by earlyout
Thu Dec 03, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: Cordless phone batteries
Replies: 18
Views: 693

Re: Cordless phone batteries

The advice from the sales guy at Radio Shack is spot on. NiMH batteries should not be left in the charger or repeatedly topped off. This will reduce their life. Generally, you shouldn't even put the phone back in the charger every night. For longest life you should determine how long the phone last...
by earlyout
Thu Dec 03, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30942

Re: Vanguard TurboTax - Not Available 2015?

For those of us that need Sched D - The TaxAct (Plus) Download is 1/3 the price (30 dollars) of TurboTax Premier download (90 dollars). But one doesn't need TurboTax Premier for Schedule D nor Schedule C. I found TT Deluxe for $35 already. Note that this did not have a state return. Now what would ...
by earlyout
Thu Nov 19, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 457
Views: 35521

Re: Changes to Social Security

What do you mean by "break even" in terms of delaying the start of SS benefits since there are different definitions that could be used for break even? Do you want to make a simple comparison of the total amount of benefits you will receive if you start early vs. the total amount you will ...
by earlyout
Mon Nov 16, 2015 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Nano business liability insurance
Replies: 19
Views: 1267

Re: Nano business liability insurance

Since this is a part time business you may have liability coverage under your homeowner's insurance policy. Check with your agent.
by earlyout
Sun Nov 15, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you believe that Social Security [is actuarially neutral]
Replies: 130
Views: 12558

Re: Do you believe that Social Security [is actuarially neutral]

So SS quite deliberately set out to protect the disabled and the widowed. In other words there was a welfare component as well as a forced savings component. [/u][/b] I disagree with you. Social Security death and disability benefits are not a welfare component. Social Security is social insurance ...
by earlyout
Sat Nov 14, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: What's the softest, most comfortable blanket in the market ? [In a hot climate]
Replies: 13
Views: 1140

Re: What's the softest, most comfortable blanket in the market ? [In a hot climate]

Fat-Tailed Contagion wrote:
earlyout wrote:A high thread count cotton sheet set and a 5oz cotton flannel sheet for a blanket. The only way to sleep in a warm climate.


Any particular brand you like ?

Lands End sells good flannel sheets or you can look elsewhere for flannel sheets from Portugal.
by earlyout
Sat Nov 14, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: What's the softest, most comfortable blanket in the market ? [In a hot climate]
Replies: 13
Views: 1140

Re: What's the softest, most comfortable blanket in the market ? [In a hot climate]

A high thread count cotton sheet set and a 5oz cotton flannel sheet for a blanket. The only way to sleep in a warm climate.
by earlyout
Thu Nov 12, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of beneficiary deed vs putting house in living trust
Replies: 10
Views: 1029

Re: Pros/cons of beneficiary deed vs putting house in living trust

Beneficiary deeds (ToD deed) for your primary residence aren't available in all states (~20 states allow it), but in states where it's available, what are the pros and cons of using that versus putting the house in a living revocable trust? (the house in question is owned by an individual, not join...
by earlyout
Thu Nov 12, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: Ideas to close open shelves in kitchen?
Replies: 16
Views: 1152

Re: Ideas to close open shelves in kitchen?

I would take some pictures of your shelf wall to a good kitchen design/build studio and talk to them. Just presenting your problem should not cost you much, if anything. I think a good cabinet maker could do what you want and still preserve the attractive design elements that exist. I would mount a ...
by earlyout
Wed Nov 11, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: If SS did not top out at 70, what age would you start collecting?
Replies: 9
Views: 853

Re: If SS did not top out at 70, what age would you start collecting?

If I could continue to draw spousal benefits under a restricted aplication beyond age 70, I would wait until I was in my mid 70s or until some life event dictated starting earlier.
by earlyout
Wed Nov 11, 2015 7:58 am
Forum: Personal Finance (Not Investing)
Topic: TaxSlayer Pro - seeking info
Replies: 16
Views: 1481

Re: TaxSlayer Pro - seeking info

Many TaxAide manuals and training documents for 2015 taxes have already been distributed so it would be very difficult and expensive to change software this late in the game. And, IIRC, the TaxAide program is limited to using PCs.
by earlyout
Sat Nov 07, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses and Impact on Taxes
Replies: 12
Views: 500

Re: Expenses and Impact on Taxes

I think a better way to think about it is that for every dollar you spend on legitimate business expenses, you reduce the profit and save 40 cents that you would have had to pay in taxes.
by earlyout
Thu Nov 05, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Refrigerator to buy
Replies: 27
Views: 1729

Re: Best Counter Depth Refrigerator to buy

Hello Folks, We are looking to purchase a counter-depth refrigerator to replace our existing Kenmore fridge - french door (3 door), bottom freezer, stainless steel finish. Due to the limited cabinet space, we are restricted to a counter-depth fridge. Here are the dimensions and features - Width - s...
by earlyout
Thu Nov 05, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Downstair neighbor's water damage - how to go about it.
Replies: 15
Views: 1779

Re: Downstair neighbor's water damage - how to go about it.

What was the cause of the leak? How were you negligent? IANAL, but just because it happened does not make you legally liable. That doesn't mean you can't pay out of "goodwill". Your liability coverage would likely cover you for the loss (generally, your deductible does not apply to liabil...
by earlyout
Thu Nov 05, 2015 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Medical Expenses for non-dependent-any tax break?
Replies: 8
Views: 716

Re: Medical Expenses for non-dependent-any tax break?

Have you explored claiming her as a dependent? There are circumstances in which that is possible. You would then have another exemption and be able to claim the medical expenses. I'd start with IRS Publication 17 and go from there.
by earlyout
Sat Oct 31, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 4650

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

We've had two kitchens with warming drawers. Neither were ever used. Besides the cost of purchase and installation, they take up valuable storage space.
by earlyout
Wed Oct 28, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 10070

Re: Changes to SS regulations in new funding bill...

Our plan had been for my wife to apply for spousal benefits at her FRA of 66 when she would receive half of what I would have received at FRA. She would collect that until she turned 70 when she would apply for her own benefit that would be much larger because she had delayed applying for it. Under...
by earlyout
Wed Oct 28, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax software which does "iterative" outputs?
Replies: 9
Views: 918

Re: Tax software which does "iterative" outputs?

If you decide to create your own model, you may want to consider using a table for tax brackets and rates. I've used my own Excel model since 2006 for tax calculations and used a table for the tax brackets, rates etc. This simplified model creation and made yearly updates quite simple. Also by makin...
by earlyout
Wed Oct 28, 2015 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 10070

Re: Changes to SS regulations in new funding bill...

The moderators have are allowing discussion of this topic about proposed legislation but only under a consolidated thread. See

viewtopic.php?f=2&t=176472&newpost=2669805
by earlyout
Wed Oct 28, 2015 6:41 am
Forum: Personal Finance (Not Investing)
Topic: When do you have to unlock a locked credit file?
Replies: 5
Views: 577

Re: When do you have to unlock a locked credit file?

My experience has been very similar to Watty's experieces. My credit history has been frozen for 10-15 years and I did not have to unlock the files for car rentals, even for some longer term (30 - 60 day) rentals. The only times I have had to temporarily lift the freeze were for an HELOC application...
by earlyout
Tue Oct 27, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software for mixed filing status
Replies: 4
Views: 336

Re: Tax software for mixed filing status

I created the MFJ vs MFS worksheet from our TurboTax return for 2014 and it appears TurboTax splits the deductions between the two returns. However, it does appear that you can adjust the amounts and change the 50:50 split. If you change the split, you must be able to show that the deduction was act...
by earlyout
Tue Oct 27, 2015 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software for mixed filing status
Replies: 4
Views: 336

Re: Tax software for mixed filing status

When you create a MFJ return in TurboTax it automatically creates a worksheet that compares MFJ to MFS. It is able to do this since TurboTax asks whether income, etc. is yours or your spouses. I have never tried to create MFS returns from a MFJ federal return in TurboTax since it is not allowed unde...
by earlyout
Mon Oct 26, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Self-monitoring principle (Mindfulness) & Tools
Replies: 16
Views: 1477

Re: Self-monitoring principle (Mindfulness) & Tools

Back to the question asked by the OP. I think measuring the economic effects of disciplined budgeting / spending could be very interesting but I do not recall seeing any studies attempting to examine this effect. I would be suspicious of a study about any particular tool used to instill such discipl...
by earlyout
Sat Oct 24, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Re: Mountain cabin's exterior colors not approved by local home committee

The committee's guidelines for homeowner's specifically states that exterior work, including painting, must be approved by the committee. The charter for this committee, giving them the authority to require such approvals, is probably in the CC&Rs. You elected to paint the exterior without appro...
by earlyout
Thu Oct 22, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Capital Gains.
Replies: 8
Views: 619

Re: Long-Term Capital Gains.

Question for the tax professionals. I understand LTCG is taxed at zero should one be in the 15% marginal bracket (which cuts off at $74900 in 2015). My question is this: should one's taxable income be just a dollar over, say $74901, are all LTCG then taxed at 15%? Moving right along, does one inclu...
by earlyout
Mon Oct 19, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I incur ST capital gains to use up a ST capital loss?
Replies: 4
Views: 554

Re: Should I incur ST capital gains to use up a ST capital loss?

It is important to consider your tax bracket. Is it 10%, 15% or what? Include all of your taxable income and your net capital gain when answering this question. Remember that short term term gain will offset long term gain so if you are in the 15% bracket (or lower) your short term loss will be wast...
by earlyout
Wed Oct 14, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: Suggestions for 95-yr old MIL's new assisted living apartment
Replies: 53
Views: 4252

Re: Suggestions for 95-yr old MIL's new assisted living apartment

Make certain her medical care is in order. Obtain her medical records and make certain that the assisted living facility, her new primary care doctor, the closest ER/Hospital and any necessary specialists have copies of these records. Make certain they have copies of her POA for healthcare and that ...
by earlyout
Fri Oct 09, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Delayers may want to take SS, Medicare now
Replies: 16
Views: 2279

Re: Delayers may want to take SS, Medicare now

Oh no, my premium will go from $105 a month to $160 a month. Where will I ever get an extra $660 per year? At 4% that is the income off of $16,500 of assets. Sounds like scare tactics to me, to quote the % but not the dollar amount, and not quote the inflation protected $$ of continuing to delay. I...
by earlyout
Tue Oct 06, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics and a real estate agent
Replies: 22
Views: 2560

Re: Ethics and a real estate agent

Isn't this a question of your personal ethics. You called the Realtor expecting to involve her in the possible purchase of a residence and for the sales price to include the full commission of 6% or whatever it is in you locality. Based on information provided by her you could now bypass the Realtor...
by earlyout
Sun Oct 04, 2015 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need help on Social Security calculations
Replies: 10
Views: 610

Re: Need help on Social Security calculations

Google "SSA ANYPIA", download the calculator and apply it to your real and probable future earnings histories. This is a social security caclulator that will answer your question. However, working a few more years is not going to significantly change your benefit if you have been paying SS...
by earlyout
Sun Oct 04, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Retired, Single
Replies: 27
Views: 1563

Re: Roth Conversions - Retired, Single

If you are going to be in the 25% bracket with or without converting, and you have to pay the conversion taxes from the t IRA, you will be losing money since you will be losing the growth and compounding from the amount you pay in taxes. You can satisfy youself this is true with a simple spreadsheet.

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