Search found 604 matches

by 2beachcombers
Fri Nov 02, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

If you take a look at the AARP UHC Plan G increases over the past years the rate of increase is about 3% so it seems to be the case that it depends on the insurer. In the video I wonder where he got the numbers for the chart? MtnBiker--good point. I will research and get back So Far: Rate increases...
by 2beachcombers
Thu Nov 01, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

If you take a look at the AARP UHC Plan G increases over the past years the rate of increase is about 3% so it seems to be the case that it depends on the insurer. In the video I wonder where he got the numbers for the chart? MtnBiker--good point. I will research and get back So Far: Rate increases...
by 2beachcombers
Thu Nov 01, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

Would like your thoughts on N vs FHD and GHD. Before the video, I was considering FHD. This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds. So it got me to thinking about FHD. I would save 1800$/yr premium as...
by 2beachcombers
Thu Nov 01, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds. What did you decide to do for a Drug Plan if you take no meds? I am in the same situation at the moment. We take the lowest premium==In our case 14,50/mo,
by 2beachcombers
Wed Oct 31, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

dm200 wrote:
Wed Oct 31, 2018 4:09 pm
Many healthy people take MA for many years(8 in my case). Then have to go thru underwriting.
AGREE. Especially if no medication is in the picture. But I am fearful of the MA future deductible.
by 2beachcombers
Wed Oct 31, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Wed Oct 31, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Wed Oct 31, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Wed Oct 31, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

Another variable in this mess--When I talk with my 3rd party administrator, (the N policy I have (underwritten in 2018)), told me because the policy was underwritten, it is the same as issue date rated--ie--no increase in age, increase in inflation and potential individual Co. increases? I am not su...
by 2beachcombers
Wed Oct 31, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Tue Oct 30, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

I agree, but his premium increase chart and thought process Make me Pause. I will wait till next yr to change to FHD or GHD :idea:
by 2beachcombers
Tue Oct 30, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3512

Re: Struggling with Medicare Plan G vs Plan N

Medigap changes in 2020 should drive most of us to Plan N , not G. Plan F will no longer be available to newbees--pool will get older and no new members Plan G will be Guaranteed issued and will most likely have a GHD to replace FHD; cost increases will follow F see youtube below: Price increases ar...
by 2beachcombers
Fri Oct 26, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5857

Re: Medicare Supplement Companies

Look at the best medicare plan for you and then go with the cheapest insurance company that supplys that plan in your area. My experience with Medicare is that other than your monthly payment there will be no interaction between you and the supplement insurer. Medicare tells them what to pay and th...
by 2beachcombers
Wed Oct 03, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 242
Views: 24808

Re: What is your overall portfolio weighted expense ratio

0.05% total - mix of Vanguard and Fido etf's and MF

jerry
by 2beachcombers
Fri Sep 28, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Social Security and Asset Allocation
Replies: 50
Views: 5051

Re: Social Security and Asset Allocation

My asset allocation is 60/40. AA has declined from 100% equities over the past 20 yrs. Retired for 20 yrs. SS start at 70. Pension, MRDs, Dividends, and SS cover expenses. No withdrawals planned thru my life. Exception is MRDs. All assets to kids & charity. Assets are 35% ROTH, 20% IRA and 45% Broke...
by 2beachcombers
Thu Sep 20, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 64
Views: 8465

Re: Tax Reform - Revised Kiddie Tax

Thanks for the correction. :oops: I like your # better :beer
jerry
by 2beachcombers
Wed Sep 19, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 64
Views: 8465

Re: Tax Reform - Revised Kiddie Tax

No, the capital gains that puts the total unearned income past $4700 should be taxed at the capital tax rate (15%) of the next bracket. $5200 - $4700 = $500 This is the same as the way standard tax brackets work. I really think you should wait until the relevant instructions are released in at leas...
by 2beachcombers
Sun May 27, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

After analyizing my Investments using triceratop's Tax Efficiency analysis, I moved all my deferred international funds to my Brokerage account.Table below shows 2017 results I think are too good to be true. ............Div ... QDI ... NQDI ...%QDI... Ftpaid FPMAX .3392 ... 2067 .. 1325... 61% ... ...
by 2beachcombers
Sun May 27, 2018 5:08 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

After analyizing my Investments using triceratop's Tax Efficiency analysis, I moved all my deferred international funds to my Brokerage account.Table below shows 2017 results I think are too good to be true. ............Div ... QDI ... NQDI ...%QDI... Ftpaid FPMAX .3392 ... 2067 .. 1325... 61% ... ...
by 2beachcombers
Wed Feb 28, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: International funds: Tax-deferred or Roth?
Replies: 32
Views: 2311

Re: International funds: Tax-deferred or Roth?

Here's a detail that seems suitable to toss to the Bogleheads forum: When one has a choice: Is it better to have international funds that pay foreign taxes in a tax-deferred account than in a Roth account? Since the Foreign Tax Credit is not available for the foreign taxes in these accounts, it see...
by 2beachcombers
Wed Feb 28, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: International funds: Tax-deferred or Roth?
Replies: 32
Views: 2311

Re: International funds: Tax-deferred or Roth?

Here's a detail that seems suitable to toss to the Bogleheads forum: When one has a choice: Is it better to have international funds that pay foreign taxes in a tax-deferred account than in a Roth account? Let's get back to the question above. I have Roth account, Taxable account and tIRQ. Rebalanc...
by 2beachcombers
Wed Feb 28, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: International funds: Tax-deferred or Roth?
Replies: 32
Views: 2311

Re: International funds: Tax-deferred or Roth?

Here's a detail that seems suitable to toss to the Bogleheads forum: When one has a choice: Is it better to have international funds that pay foreign taxes in a tax-deferred account than in a Roth account? It's essentially irrelevant, by the usual tax-adjustment argument. Say that you retire in a 2...
by 2beachcombers
Wed Feb 28, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: International funds: Tax-deferred or Roth?
Replies: 32
Views: 2311

Re: International funds: Tax-deferred or Roth?

... a significant savings in taxes by placing all international funds ... You may have a misconception here. The intent is not to minimize taxes but to maximize after tax returns. It's not always the same thing. From the little chart you showed it appears that you may be equating an amount of preta...
by 2beachcombers
Wed Feb 28, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: International funds: Tax-deferred or Roth?
Replies: 32
Views: 2311

Re: International funds: Tax-deferred or Roth?

Here's a detail that seems suitable to toss to the Bogleheads forum: When one has a choice: Is it better to have international funds that pay foreign taxes in a tax-deferred account than in a Roth account? Since the Foreign Tax Credit is not available for the foreign taxes in these accounts, it see...
by 2beachcombers
Thu Feb 01, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

I suspect more people will start to have carryovers. One reason it becomes more likely is that your net foreign source taxable income is reduced by a prorated amount of your US standard deduction (which just increased). So even though you have paid foreign taxes on foreign income, you can't claim t...
by 2beachcombers
Tue Jan 30, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

Yous guys are Great!! ----More Math checks please. and a reason for Internationals in Brokerage account ? Case1... taxable = domestic 95% QD.......Tax=15% and International in Roth, US tax = 0; Plus 7% Int. Tax Case2...taxable = International 70% QD...Tax=7%(int)+17%(US)-7%(credit)=17% and domestic...
by 2beachcombers
Tue Jan 30, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

House Blend--thanks for the update and correction--and I still have a way to go before the 20K kicks in
by 2beachcombers
Mon Jan 29, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

Wagnerj b-understand the 17% weighted average. And I deduct the 7% for Int. If these dividends were US, I would pay 17% Since I get the 7% deducted, I pay 17%-7% or 10% If these dividends were in deferred accounts, I would still pay the 7%-but no credit. Maybe I can't see the forest for the trees? ...
by 2beachcombers
Mon Jan 29, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Re: Foreign Tax-Please check my math

Thanks, and yes I always check--in my case no carry over this year
by 2beachcombers
Mon Jan 29, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2493

Foreign Tax-Please check my math

After analyizing my Investments using triceratop's Tax Efficiency analysis, I moved all my deferred international funds to my Brokerage account.Table below shows 2017 results I think are too good to be true. ............Div ... QDI ... NQDI ...%QDI... Ftpaid FPMAX .3392 ... 2067 .. 1325... 61% ... 3...
by 2beachcombers
Thu Jun 08, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 5819

Re: Retirees: What are you doing about withdrawing?

Retired 17 yr. Only withdraw dividends from taxable account.
Ability to do this was waiting till 70 for SS, Pension and controlling expenses

jerry
by 2beachcombers
Sat Jan 28, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation - considering a change
Replies: 18
Views: 1754

Re: Asset Allocation - considering a change

Kitces has an interesting article on asset allocation and seperates risk tolerance :confused with risk ability(capacity) :D . This may help you with a more accurate view of your risk decision as your risk ability is in very good shape. We are similar to the OP wrt income but maintain a 70% equity al...
by 2beachcombers
Sun Jan 22, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 53
Views: 17940

Re: 2016 Relative Tax Efficiency

As for foreign dividends -- this is the same calculation as I did last year so everyone missed it? Yep, you're right! I cannot believe I missed that all this time. All fixed; thanks again! Of course, it makes only a very small difference.[/quote] I could not see your changes wrt US tax paid on fore...
by 2beachcombers
Sat Jan 21, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 51
Views: 6416

Re: Formula for dividend tax drag?

People think mine is the original because I was the first to publish a public link to the calculations; but it should have been obvious that I didn't write the sheet in the 11 minutes it took to respond to a post. All credit goes to livesoft. Oh, and the 2016 sheet is coming out today. Foreign equi...
by 2beachcombers
Sat Jan 21, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 51
Views: 6416

Re: Formula for dividend tax drag?

I just did the tax cost ratio for 2014 for some of my ETFs and funds. They are just estimates because of a couple of current unknowns: 1. The fraction of the dividend that is qualified versus non-qualified. That changes the tax rates applied by almost 100%. 2. The foreign tax rate on the dividends ...
by 2beachcombers
Mon Jan 16, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: 100% equities in Roth part of portfolio?
Replies: 19
Views: 2654

Re: 100% equities in Roth part of portfolio?

My Roth (Vanguard) is 100% equities My 403b (TIAA) contains equities and TIAA Traditional for fixed income My taxable account (Vanguard) is 100% equities AA for entire portfolio is 70% equities, 30% fixed income +1--70% equities/Berstein Ida AA--retired since 2000 oldzey----I have similar AA and pl...
by 2beachcombers
Mon Jan 09, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity International Index Funds
Replies: 9
Views: 1515

Re: Fidelity International Index Funds

In the future you will want to Tax Loss Harvest your funds. International, Emerging and Int small cap do not always move together. I have IEMG, IEFA, VSS and I TLH these with FPMAX, FSIVX and SCZ. All are in my taxable account to get the Foreign Tax credit. I also manage my MAGI( due to Medicare par...
by 2beachcombers
Wed Dec 21, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1495

Re: Roth Conversion/Reconversion Strategy

livesoft--I think I understand. Well I understand physics, thermo, quantum mechanics--but the IRS is a challenge :confused .. I think you pay all the taxes in 2016 on both horses. In 2017 you convert for horse C, and in october chose one or the other or both or none. In the case where you rechar ho...
by 2beachcombers
Wed Dec 21, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1495

Re: Roth Conversion/Reconversion Strategy

Very interesting and too clever by far; livesoft, do you ask for an extension for 2016 Fed Tax or for horse B. in Apr. pay total fed tax including horse B ? Have not recharacterized in years and my blury memory says YES--you can rechar up to OCT the following year? But--don't you still have to pay ...
by 2beachcombers
Wed Dec 21, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1495

Re: Roth Conversion/Reconversion Strategy

Since you are going to continue to race horses, you can do the following: Another single conversion in 2017 of $90K, call it horse C. Certainly horse B has a 27% headstart. :) File for an extension in April and pay the required taxes. In October before you file your tax return, recharacterize one o...
by 2beachcombers
Wed Dec 21, 2016 8:29 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1495

Re: Roth Conversion/Reconversion Strategy

Without more information about why it might be good to convert at 28%….I think converting anything at 28% may be a poor decision and converting more 33% is an even poorer decision. I would think that it is a very rare circumstance where converting at 33% is smart. It sounds like you feel like you w...
by 2beachcombers
Tue Dec 20, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: a review of two of Jim Lange's books on retirement planning-both worth your time
Replies: 2
Views: 717

Re: a review of two of Jim Lange's books on retirement planning-both worth your time

Larry, thanks, just purchased the book.

Purchaced Ed Slott's Time Bomb in 2004.-put me on the right track for retirement and estate planning :moneybag -time for an update

jerry
by 2beachcombers
Tue Dec 20, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Is VBR a no-brainer over IJS?
Replies: 47
Views: 8576

Re:

I prefer IJS in a taxable account, since it's so much more tax efficient. It's total return that counts - VBR paid a big dividend in Dec, but the price dropped vs IJS. Nick i'm in a 25% bracket, no state tax. VBR is slightly more efficient in my Taxable account. I own both and TLC both. I also own ...
by 2beachcombers
Tue Dec 20, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1495

Re: Roth Conversion/Reconversion Strategy

good bind to be in;

the 43% is a go

figure the tax on your 27% portion. If less than what you will be paying in the future on you MRD(if left in IRA). Then also convert it.

You can also convert a fraction of the 27%

jerry :idea:
by 2beachcombers
Sat Dec 17, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40895

Re: Fidelity free Turbotax

I purchase TT desktop every year, send receipt to Fido and they refund--simple

jerry
by 2beachcombers
Sat Dec 17, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 43
Views: 13683

Re: 4runner vs. Highlander?

On my 2nd highlander. Gave first to my son--has 100k miles on it.Had a stuck CD in it and did not want to deal with it. Son bypassed it. Bought the second limited new for 38k$ cash.
jerry
by 2beachcombers
Thu Dec 15, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Announces Short-Term Trading Fee Removal
Replies: 26
Views: 6505

Re: Fidelity Announces Short-Term Trading Fee Removal

Good, but until the Cap Gains liability is gone, I will stick to ETFs in taxable account :mrgreen:

jerry
by 2beachcombers
Sun Nov 20, 2016 8:21 am
Forum: Investing - Theory, News & General
Topic: roth allocation [very long time frame]
Replies: 7
Views: 1223

Re: roth allocation [very long time frame]

We are 100% US equities in Roths and have been for 10 yrs(same plan as yours for our kids).--VBR, FSSVX, FLCHX,FSTVX 60% Foreign EtFs in Brokerage and 40% US equities Bonds, REIT in IRA :sharebeer AA 70% equities overall, Bernstein IDA adjusted to 70% AA=56% if pension considered AA= 42% if SS consi...
by 2beachcombers
Sat Nov 12, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation for 35/yo's
Replies: 1
Views: 484

Re: Asset Allocation for 30/yo's

I was 100% equities for 40 years ; 80% for 10 yrs and now 70% in retirement.

Would recommend 80% if you can't just let it ride.

jerry