Search found 14 matches

by mkalman
Mon Aug 17, 2020 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Protecting assets from mental disorders (e.g. Bipolar)
Replies: 24
Views: 2715

Re: Protecting assets from mental disorders (e.g. Bipolar)

wootwoot wrote: Sun Aug 16, 2020 1:31 pm Conservatorship, it worked for Britney Spears and her problems were immense.
I am not sure her case is the best example for this, given the (now very public) allegations of exploitation and abuse.
by mkalman
Sun Jul 12, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Invisalign / Adult Orthodontia Costs
Replies: 18
Views: 1472

Re: Invisalign / Adult Orthodontia Costs

I did adult Invisalign back when it was relatively new. I never had braces as a teen so I had some pretty crooked and rotated teeth I got several quotes, all free. Many ranged from mixed Invisalign+fixed braces to not wanting to do Invisalign at all to only wanting to do Invisalign+major jaw surgery...
by mkalman
Sat Jun 20, 2020 3:40 am
Forum: Personal Finance (Not Investing)
Topic: Simple business checking: Azlo, Novo or Wells Fargo
Replies: 18
Views: 833

Re: Simple business checking: Azlo, Novo or Wells Fargo

I love Azlo. I got sick of business bank accounts that tend to be expensive and I'm glad there's a mostly-free online only alternative. Azlo will not let you transfer money unless you can log in to the target bank and give credentials. I had to promptly close that useless account. For example, I cou...
by mkalman
Thu Jun 04, 2020 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 7611

Re: Adding Canadian Citizenship - any downsides?

Interesting. Supposedly I have Hungarian dual-citizenship, by virtue of my father being Hungarian. And he was a Hungarian (expat) citizen and not yet a US citizen when i was born, which i understand would make me easily eligible even under the older stricter Hungarian citizenship laws. I've thought...
by mkalman
Mon Feb 17, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pay1040.Com Question (Pay Tax With Credit Card)
Replies: 9
Views: 715

Re: Pay1040.Com Question (Pay Tax With Credit Card)

I'm still without an answer to my original question: If I select the option to pay my final taxes due for 2019, because there is no more 1040-ES option for 2019, will it function the same way as if it was an estimated tax payment? In other words, lets say I made 4 estimated payments on the proper d...
by mkalman
Sat Jan 04, 2020 6:00 pm
Forum: Personal Investments
Topic: rounding down on mutual fund transactions?
Replies: 14
Views: 857

Re: rounding down on mutual fund transactions?

edit: I looked at the price for VFIAX and if you really bought on 1/2, you should have received 19.955 shares since the share price was $300.68. The purchase was actually on 1/3, when the share price was $298.59. If you had known what the share prices was going to be, you could have spent $5999.72 ...
by mkalman
Sat Jan 04, 2020 5:19 pm
Forum: Personal Investments
Topic: rounding down on mutual fund transactions?
Replies: 14
Views: 857

rounding down on mutual fund transactions?

I made a $6000 contribution to VFIAX (500 admiral) in my IRA on 1/2/20 and got 20.094 shares in return, which is NAV $5999.87. The pending debit is $6000. I suppose it is because Vanguard only tracks to 3 digits of precision, and 20.094 is the closest number of shares to $6000 (because the per share...
by mkalman
Sun Dec 08, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Individual insurance vs COBRA (and HDHP vs Platinum)
Replies: 8
Views: 576

Re: Individual insurance vs COBRA (and HDHP vs Platinum)

Since the premiums are deductible (self-employed) it is tempting to go for COBRA. I do not think COBRA is deductible as self-employed health insurance. Fundamentally, your self employment business must be buying the policy for it to be deductible -- your business name or your name must be on the po...
by mkalman
Sun Dec 08, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Individual insurance vs COBRA (and HDHP vs Platinum)
Replies: 8
Views: 576

Re: Individual insurance vs COBRA (and HDHP vs Platinum)

Yeah, the HDHP is $373/mo, Platinum is $748/mo, and COBRA is $734/mo (Anthem Blue Cross platinum level, $100 deductible $1k OOP max) Since the premiums are deductible (self-employed) it is tempting to go for COBRA. But I am not sure I want to spend $4500 pretax (guaranteed spending) to *possibly* sa...
by mkalman
Sun Dec 08, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Individual insurance vs COBRA (and HDHP vs Platinum)
Replies: 8
Views: 576

Individual insurance vs COBRA (and HDHP vs Platinum)

I am changing jobs again and will likely get mostly self-employment income in 2020. My employer based coverage ends on Dec 31 2019 Apparently I can either enroll by Dec 15 for coverage from the exchange starting Jan 1, or enroll after Dec 15 for coverage starting Feb 1? And then retroactively enact ...
by mkalman
Sat Nov 16, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amending Taxes for Deceased Relative - Possible to appeal penalties ??
Replies: 6
Views: 635

Re: Help with Amending Taxes for Deceased Relative - Possible to appeal penalties ??

I have amended taxes several times for self-reported changes. In cases where there was additional tax due I sent the payment before or with the amended return (note: I believe the payment must be applied to the specific tax year being amended, not the current tax year) I sent an additional amount wh...
by mkalman
Tue Oct 08, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Paying United Health Care Dental with credit card?
Replies: 8
Views: 880

Re: Paying United Health Care Dental with credit card?

I always call or online message the bank and get cash advance limit lowered to $0 (or disallow cash advance). Sometimes it can only be lowered to $50 or $100 depending on the card and bank. This is not fool proof (the bank can always approve transactions above your limit as a “courtesy”) but it help...
by mkalman
Tue Oct 01, 2019 12:09 pm
Forum: Personal Investments
Topic: roth vs traditional 401k
Replies: 10
Views: 869

Re: roth vs traditional 401k

Thanks all for your advice. The plan is to stay in CA indefinitely but with lots of potential for changes (eg I’m single now, who knows what situation my spouse could be in) I anticipate higher salary going forward, I work in the tech sector so I expect to be in (at least) 33-34% fed+state rather so...
by mkalman
Tue Oct 01, 2019 4:20 am
Forum: Personal Investments
Topic: roth vs traditional 401k
Replies: 10
Views: 869

roth vs traditional 401k

I am 32 years old. I have been max contributing to a roth IRA for most of my 20s but no access to 401k. I recently joined a large employer and with a higher salary for the remainder of 2019, I am putting away the max $19k to a traditional 401k. My marginal tax rate for all of that $19k is 30% (22 fe...