Bogleheads.org

natureexplorer

Are the ticker symbols that can be used on Google Drive (Spreadsheets) to follow the price of oil or the CPI-U or similar things?

natureexplorer

How about having the conference somewhere else for a change? Or finding a cheaper venue?

natureexplorer

Telling people that you have liability insurance increases your chances of getting sued.

natureexplorer

The "you experienced domestic violence " exemption is the easiest one to qualify for. All you have to do is claim it, and they will approve it. They are not allowed under the law to ask any further questions. Very interesting! So there won't be any follow-up calls? They just have to approve it basi...

natureexplorer

RudyS wrote:Once you have the exemption, you report it on your tax return. I would wager that somewhere in the process the IRS takes a look at your income/resources. So even if you have the exemption from the marketplace, you aren't out of the woods yet.

Interesting.

natureexplorer

How easy is it to qualify for one of the Obamacare tax penalty exemptions? I looked at the list of exemptions and it seems like the hardship definitions include some that you might meet already or that you might be able to meet more cheaply than paying the penalty. Indeed, some of them seem to be to...

natureexplorer

I'm interested in the outcome of this, please post a follow-up. Thank you Sadly, I fear HueyLD is correct. I did contact the foreign insurer and they are not certified by the US and why would they? It's annoying, because the foreign insurance policy is incomparably better than anything available on...

natureexplorer

I'm interested in the outcome of this, please post a follow-up. Thank you Sadly, I fear HueyLD is correct. I did contact the foreign insurer and they are not certified by the US and why would they? It's annoying, because the foreign insurance policy is incomparably better than anything available on...

natureexplorer

Why not become US citizens and never pay the exit tax?

You may also find the following useful: https://www.forbes.com/sites/robertwood ... 75c3c0287d

natureexplorer

If your foreign insurance company provides at least MEC in accordance with the U.S. law, it will be required to send you and the IRS form a copy of 1095-B. Without the 1095-B, IRS will know that you do not have any MEC and will assess a penalty known as "individual shared responsibility payment (IS...

natureexplorer

Ask your foreign insurer if its policy provides minimum essential coverage. Otherwise, you will have to pay a penalty. "Response: We agree that the health care benefits provided by foreign governments or through foreign insurance for legally admitted non-citizens of the United States vary from coun...

natureexplorer

I believe that your foreign insurance must meet the minimum essential coverage guidelines. You can call the healthcare.gov people and see if they can tell you if your insurance qualifies. Oh this is excellence news, thanks! I will look into that. How does this look like at tax return time? Can I ju...

natureexplorer

I have excellent health insurance through a foreign insurer that fully covers me in the US.

Will I have to pay the tax penalty or is there some way around it?

natureexplorer

Raybo wrote:I'm very interested in sharing a ride back to the airport on Friday.

Happy to offer a ride. My flight is around 6pm.

natureexplorer

ObliviousInvestor wrote:Regarding sharing a ride, what day and approximate time do you arrive at the airport?

Wednesday 10pm

natureexplorer

Would anyone like to share a ride from PHL to/from the conference?

Would anyone like to share a room?

natureexplorer

JDDS wrote:Re: #4, if you move the IRA into a Solo 401(k), how are you going to convert to Roth? Are you planning to do that within the solo 401(k)?

I was thinking from Solo 401k to Roth IRA. Is that possible?

natureexplorer

Thanks!

Any thoughts or comments on the other points?

natureexplorer

I'm considering making a deductible (tradional) IRA contribution of $5,500.00 for 2014. 1. Do I understand correctly, that I can still do this through April 15, 2015? 2. How long will it take for Fidelity to provide me with the necessary tax forms so that I can file my 2014 tax return correctly? 3. ...

natureexplorer

Yeah, opening a new and "proper" IRA at Fidelity should be no problem at all. I will just do that to avoid any possible problems.

Is the rest of what I describe sensible? To immediately rollover to a Solo 401k? Can this be done online at Fidelity?

natureexplorer

JDDS wrote:Have you confirmed you're eligible to deduct the entire 2014 IRA contribution on your 2014 taxes?

Yes.

natureexplorer

Can I make a 2014 $5.5k Deductible IRA contribution and immediately roll it over a Solo 401k? I'm thinking of doing this at Fidelity where I already have a Solo 401k. I currently have a "Rollover IRA" at Fidelity with a zero balance. Can I use this "Rollover IRA" account for the deductible contribut...

natureexplorer

I've been considering one, but haven't bit yet; have read good things about the GW1 you referenced...might finally be persuaded to take the plunge. As to the question of why...I think you answered that already w/ the video. Seems from that video that the cyclist was in the wrong, and the video shou...

natureexplorer

[Thread merged, see below. --admin LadyGeek] Does any driver with a dashboard camera? If yes, why? Is there specific device you would recommend and why? On Amazon the G1W seems to be recommended. Here is an example of a video with an accident involving a car and a bicyclist. Warning: the footage is...

natureexplorer

With a budget of $270 a day in late January, you can pretty much go anywhere in Europe. I'd recommend considering:

Alps (maybe stay a few nights in a ski resort like Zermatt but don't ski)
Berlin
Zurich

natureexplorer

Lol. How about another meeting?

natureexplorer

One issue with declaring yourself “done” saving for retirement and now spending more money is that you and your family will get used to a more extravagant lifestyle, which to maintain, means you’ll need to save more money. $2 Million might be plenty of money given your current lifestyle, but if you...

natureexplorer

takingcharge wrote:Any interest in having a Houston meeting?

I'd be game.

natureexplorer

There is a thread for that, the one with the title Speculation on I Bond fixed rate for May 1st. There was even a request for someone to use a calculator to figure out the new variable rate. http://www.bogleheads.org/forum/viewtopic.php?p=2034000#p2034000 Read the following post to the one linked a...

natureexplorer

Has anyone calculated what the inflation component on new I-Bonds will be starting May, 2014?

Any estimates of whether the fixed rate will go up?

natureexplorer

I heard about the H&R Block Second Look - a free review of your current or tax returns. Has anyone used that service? I've been preparing my tax return using TurboTax, but I wouldn't mind a "second look", particularly due to various foreign assets and taxes and business income and expenses. I'm won...

natureexplorer

I heard about the H&R Block Second Look - a free review of your current or tax returns. Has anyone used that service? I've been preparing my tax return using TurboTax, but I wouldn't mind a "second look", particularly due to various foreign assets and taxes and business income and expenses. I'm wond...

natureexplorer

anonforthis wrote:However, 15K pay cut is a lot to swallow.

Do you actually spend all your money currently?

FWIW, I've seen people take much bigger paycuts for less stressful jobs and they have no regrets - at least so they tell me.

natureexplorer

You should read this post, it's an extraordinarily informative breakdown of how the FICO is calculated: http://www.reddit.com/r/personalfinance/comments/1zkr5s/fico_scoring_101_behind_the_numbers/ This is indeed quite specific. I quote below the section on credit utlization and highlighted some par...

natureexplorer

Did you retire in your 30s? If yes, what lessons did you learn?

What would you do differently?
What would you definitely do again?

What did you tell people when asked what you do?

natureexplorer

Also, under some FICO models (there are 49 of them by the way) it can be slightly (emphasis on the slightly part) detrimental to have many small balances reporting. So if you know you're applying for a loan next month, and you want to squeeze out a few extra FICO points, then let a small balance re...

natureexplorer

theghetto wrote:Just know that its a myth to keep a balance on a credit card, its just a waste of money in interest payments.

Just to bear, of course one would still pay off the entire statement balance by the due date.

natureexplorer

MnD wrote:Both our scores are a little over 800. ... Is there some big cash prize for having a higher score?

Definitely not when you are already at over 800, though I could be wrong about that.

natureexplorer

Will paying off "most" of the credit card balance before the statement closing date improve your credit score? The rationale would be that it reduces your credit utilization. The other rationale is that you want to a leave small balance on the card so that it correctly shows as active on your credit...

natureexplorer

Have you asked about the corresponding Signal shares?

natureexplorer

Also, it currently holds significantly fewer stocks than the combo, so even if the cost were the same, I'd likely consider the Total World fund to be inferior. This is a good point. Does anyone know why the Total World fund holds less stocks than the Total Stock and Total International funds? Could...

natureexplorer

FWIW, I opened a Mango account and I received the debit card only 2 or 3 months later. By then, the $5 monthly fees had decreased my balance to negative $10. I called and asked if they could waive the fees in light of the circumstances. They declined this request. I closed the account and they said ...

natureexplorer

I've read many of the discussions weighing the merits of owning a bond fund versus laddering. Most of the time, the person wanting to build a ladder is near retirement, so the issue becomes buying bonds that mature in 1 year, 2 years, 3 years... n years as desired. My question is: what if I started...

natureexplorer

I'm not necessarily looking for people to tell me to go one way or the other (but I'll certainly hear what you have to say); rather, I'm looking for advice on the situation I'm proposing because I'm certain there are a lot of things that I am missing due to inexperience. Summary: I have recently be...

natureexplorer

Overall, there are more effective ways of "manufacturing spending" - the frequent flyer message boards are all on this, to gain frequent flyer miles which are often worth more than a measly two cents a dollar - than paying taxes, but paying taxes is one of those "low hanging fruit" types of activit...

natureexplorer

Furthermore, check the fine print of those cashback rewards. Many times things such as tax payments or buying travelers checks are excluded from the rewards. Good point! That's very much true, one has to do the research and even then there is probably some remaining risk. It seems like this guy has...

natureexplorer

brogrammer wrote:...it is tremendously difficult to deal with them if things go sideways, even when you have done nothing wrong.

Good point about the possiblility that things may not go as planned. Sorry about your troubles, though in your case the troubles was really independent of how you paid the taxes.

natureexplorer

One can easily pay taxes with a credit card for less than 2% in fees: http://www.irs.gov/uac/Pay-Taxes-by-Credit-or-Debit-Card There can be circumstances the reward from a credit card can outweigh the 2 cents per spending. So when you owe taxes, it can make a lot of sense to pay with a credit card. ...

natureexplorer

dan23, thanks!

natureexplorer

52K http://www.irs.gov/pub/irs-tege/cola_table.pdf Thanks ! I assumed the number I have to look for in that table is the one in the "415(c)(1)(A) DC Limits" row, isn't it? By the way, what doe the following rows refer to? 415(b)(1)(A) DB Limits 401(a)(17)/ 404(l) Annual Compensation 408(k)(3)(C) SE...

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