Search found 409 matches

by floydtime
Fri Jun 24, 2016 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Different brokerages too messy for Roth conversions?
Replies: 4
Views: 334

Re: Different brokerages too messy for Roth conversions?

Thank you both so much. Creating new Roths at Fidelity sounds like the way to go - not sure why that hadn't occurred to me. pkcrafter, can you expand a little bit on the following?... >>Don't mix annual conversions because the five year rule applies to each conversion. When you say "mix" d...
by floydtime
Fri Jun 24, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Different brokerages too messy for Roth conversions?
Replies: 4
Views: 334

Different brokerages too messy for Roth conversions?

I'm no longer working, but still years from being on SS. My wife is also not working. For unrelated reasons, we'll need to show some taxable income this year. I am thinking about starting to do an annual "rollover" (incorrect terminology?) from my 401k into our Roths. This will allow me to...
by floydtime
Sat Feb 13, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Re: Roth Conversion (can I count the withdrawal against 2015?)

Great points, all. Thanks again. I think I will run with it.
by floydtime
Sat Feb 13, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Re: Roth Conversion (can I count the withdrawal against 2015?)

Thank you JoeJohnson! As with so much else regarding the ACA, it's still kind of vague. It says if I "want to cover them on my Marketplace plan", which sounds like it's talking about the future (as in 2016). But I don't want to...she is on her own plan for the first time now, in 2016. She ...
by floydtime
Sat Feb 13, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Re: Roth Conversion (can I count the withdrawal against 2015?)

She is 19 and last year she was under our healthcare and living at home for the entire year - she moved out in January. In previous years (2014, 2013...) she filed her own return, but she was still our dependent on our return. There is a checkbox on 1040's that asks if you are a dependent on someone...
by floydtime
Fri Feb 12, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Re: Roth Conversion (can I count the withdrawal against 2015?)

That is correct. The entire household's income is added up, whether or not they are on the same return. My younger son had some income last year, and the tax software asks for it explicitly (for the ACA portion) even though this isn't his return.
by floydtime
Fri Feb 12, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Re: Roth Conversion (can I count the withdrawal against 2015?)

Thanks again. To be clear, if I add my daughter as a dependent, our household income will increase since she has a 2015 MAGI of about 14k. Now the reason I want to increase this is because of the ACA. Without my daughter included, we have a household size of 3 , and a combined MAGI of about 17k. We ...
by floydtime
Fri Feb 12, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Re: Roth Conversion (can I count the withdrawal against 2015?)

Thanks so much. Okay, next question...is there any way to add to our household income (household MAGI I guess you'd call it) from last year? <I do have one way, which is to claim my oldest child as a dependent for one more year - she did live with us after all - but I'd like to know if there is anot...
by floydtime
Fri Feb 12, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion (can I count the withdrawal against 2015?)
Replies: 17
Views: 1085

Roth Conversion (can I count the withdrawal against 2015?)

Subject says it all. If I do a small conversion from my 401k to my Roth IRA now, can I count the "income" (coming out of my 401k) as 2015 income? If done before April 15? I looked and looked at the many Roth Conversion threads, but didn't see this explicitly stated one way or the other. Th...
by floydtime
Tue Feb 11, 2014 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Signed up for healthcare on exchange - no subsidy mentioned
Replies: 14
Views: 1348

Re: Signed up for healthcare on exchange - no subsidy mentio

Following up as promised...

I got signed up just fine after putting in that my kids were denied CHIP coverage. Proof is not required on the US exchange site (however, I did apply for CHIP anyway, just in case a rejection letter is needed later on).
by floydtime
Mon Feb 10, 2014 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Signed up for healthcare on exchange - no subsidy mentioned
Replies: 14
Views: 1348

Re: Signed up for healthcare on exchange - no subsidy mentio

Good to know, snowman, thanks! I'll try it and see what happens and report back. It will have to wait until tomorrow though - too tired to continue for today. :)
by floydtime
Mon Feb 10, 2014 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Signed up for healthcare on exchange - no subsidy mentioned
Replies: 14
Views: 1348

Re: Signed up for healthcare on exchange - no subsidy mentio

Thanks all. BruDude, the application now asks specifically if the kids were denied CHIP coverage, so if you say yes, I presume everything will work. I'm considering just answering that question YES anyway (since I know they will be denied, since my income will be above that cutoff for VA (143% of po...
by floydtime
Mon Feb 10, 2014 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Signed up for healthcare on exchange - no subsidy mentioned
Replies: 14
Views: 1348

Re: Signed up for healthcare on exchange - no subsidy mentio

Thanks snowman, that helps. I am getting closer. My question has morphed somewhat... Now I've finally gotten it to say, yes, I do get a subsidy (yay!), and I tell it that I do not want any up front, but just give it to me at tax time. BUT, it only lets my wife and I sign up. Our (two) kids are left ...
by floydtime
Mon Feb 10, 2014 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Signed up for healthcare on exchange - no subsidy mentioned
Replies: 14
Views: 1348

Re: Signed up for healthcare on exchange - no subsidy mentio

Did you choose a Silver plan? That may be a factor. From the site: " Out-of-pocket savings apply only to Silver plans Plans in the Marketplace are separated into 4 different categories: Bronze, Silver, Gold, and Platinum. These categories are based on how much of your medical costs you pay and...
by floydtime
Mon Feb 10, 2014 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Signed up for healthcare on exchange - no subsidy mentioned
Replies: 14
Views: 1348

Signed up for healthcare on exchange - no subsidy mentioned

Hi all, I am doing early retirement this month (yay), and so signed up for healthcare on the Federal exchange (deadline is Feb. 15 for coverage starting March 1). I'm in Virginia, so had to use the Federal site. I answered all of the questions, including things like "current income" (high)...
by floydtime
Tue Feb 04, 2014 9:05 am
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 24640

Re: Movie night in recommendations

When I saw this, I thought of this thread. Our local art house cinema is showing the entire "Before" trilogy in one sitting: m They even have a dining option where they, appropriately, serve you Parisian food & wine before "Before Sunset" and Mediterranean snacks before &quo...
by floydtime
Mon Feb 03, 2014 4:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1052562

Re: U.S. stocks in freefall

Bustoff wrote:Wake me up when Total Bond Market recovers it losses.

TBM has losses? I must be in a different TBM fund.
by floydtime
Thu Jan 09, 2014 9:38 am
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 24640

Re: Movie night in recommendations

I'm really glad other people got as much out of these movies as I did. I'm not sure why that matters, but it does. Yeah, the dinner dialogue was just so real and vibrant. For me it was the end of the hotel room scene that grabbed me the most, when she finally walked out for the last time, and he rea...
by floydtime
Thu Jan 09, 2014 9:30 am
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 4833

Re: Europe solo at 50?

My real question is how does one keep possessions secure in a hostel, ie financial, phone, passport, and other items when traveling solo? That would be my primary concern. My plan (and my practice in the past) is to travel ridiculously light. As in, if my stuff isn't a backpack small enough to be c...
by floydtime
Wed Jan 08, 2014 5:47 pm
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 4833

Re: Europe solo at 50?

Wow, what great advice and encouragement - thanks everybody! A few specific replies... P.S. I just saw your message in a different thread that you've watched "Before Sunrise," "Before Sunset," and "Before Midnight." While you may not have the same adventure, the films d...
by floydtime
Wed Jan 08, 2014 4:06 pm
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 4833

Re: Europe solo at 50?

Thanks for the tip. I'm okay with Youth Hostels still, as I'm pretty young at heart and have good memories of staying in them, and know people older than me that still use them. That being said, I'm looking into airbnb now. It pretty much looks like a hybrid of couchsurfing (which I won't do) and fu...
by floydtime
Wed Jan 08, 2014 3:42 pm
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 24640

Re: Movie night in recommendations

Victoria, I hope you enjoy it. Jupiter - a tip of the hat from one super fan of that film, to another. I've always had this eerie feeling, as if Linklater made his films, just specifically for *me* (as silly as that sounds). This morning I learn it's not true and that's a good thing BFG I've just w...
by floydtime
Wed Jan 08, 2014 3:31 pm
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 4833

Re: Europe solo at 50?

I hear ya, MathWizard. I've been to India for business a couple of times, and totally know what you mean. My wife and I are going together as well, probably a couple of years later, and probably every few years for as long as we're able. The solo trip is just something I've always wanted to do, and ...
by floydtime
Wed Jan 08, 2014 3:18 pm
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 4833

Europe solo at 50?

I've been researching the $#!+ out of this, and then it dawned on me that Bogleheads > all, so here goes... Anybody been to Europe for an extended period of time (say, 2-3 months or longer) by yourself? If so, what did you like or dislike about it? What would you have done differently? What were the...
by floydtime
Wed Dec 11, 2013 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 33527

Re: Signing up for health care

Pretty decent article explaining the process. The ultimate guide to buying insurance on HealthCare.gov http://www.washingtonpost.com/blogs/wonkblog/wp/2013/12/10/the-ultimate-guide-to-buying-insurance-on-healthcare-gov/ Thanks for the link - this was helpful. Sadly, it bypasses one question I am st...
by floydtime
Tue Dec 10, 2013 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 33527

Re: Signing up for health care

It is unlikely that your plan has nearly doubled in price for same policy. This contradicts your previous statement about a race to the bottom. If you are paying $6000 more, you are likely getting $6000 more in benefits. But it may be for benefits that the subscriber has no use for, like maternity ...
by floydtime
Wed Nov 27, 2013 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 3397

Re: Help Pick ObamaCare Plan?

There's one factor no one has mentioned yet: only the silver plans have cost reductions. That is, if your income is low enough, you will find that your copays and deductibles and Max-out-of-pockets will be reduced. And all that is in addition to the premium reduction. Since the OP hasn't told us if...
by floydtime
Sun Nov 17, 2013 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Confused about ACA Marketplace options
Replies: 9
Views: 742

Re: Confused about ACA Marketplace options

I found that ehealth.com let me filter by HSA-compatibility for the available plans in my zip code. There were several very low cost Bronze HSA plans (at least in my state) to choose from. Obviously, I see these on the marketplace as well (now working, yay), and will be choosing one of them.
by floydtime
Sat Nov 16, 2013 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 33527

Re: Signing up for health care

Awesome, thank you LadyGeek. For those of you who have already signed up, are you provided the option during sign-up to NOT have an " advance premium tax credit" sent to your insurance company? gerrym51 mentioned this earlier, and here is the IRS information he pointed out (apologies for t...
by floydtime
Wed Nov 13, 2013 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 33527

Re: Signing up for health care

There are many more security issues not fixed. Clearly not worth the risk as of today for most. Maybe in another few weeks, or not, who knows? Washington Post today: m Just to help others like me understand - what are the specific remaining security issues? The link above doesn't mention any - not ...
by floydtime
Wed Nov 13, 2013 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 33527

Re: Signing up for health care

You have 2 choices. as long as you buy the policy thru the exchange you DO NOT have to apply for ADVANCED SUBSIDY CREDITS. you can wait until until you actually file your 2014 tax return. much easier and since my wife and i can control our income we've decided to file then. we will be between 300-4...
by floydtime
Wed Sep 18, 2013 2:40 pm
Forum: Investing - Theory, News & General
Topic: Why are bond prices falling?
Replies: 16
Views: 1608

Re: Why are bond prices falling?

So much for that.
by floydtime
Tue Sep 17, 2013 1:20 pm
Forum: Investing - Theory, News & General
Topic: Why are bond prices falling?
Replies: 16
Views: 1608

Re: Why are bond prices falling?

What time frame are you referring to? Over the past few days, bond prices have gone up quite a bit.
by floydtime
Mon Sep 16, 2013 6:40 am
Forum: Investing - Theory, News & General
Topic: The Bull's In Charge!
Replies: 32
Views: 3813

Re: The Bull's In Charge!

The funny thing is, one camp or the other (or both if you wait long enough) will say "I told you so" after their guess turns out true. And it is a guess.
by floydtime
Mon Sep 09, 2013 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you budget for expenditures or saving?
Replies: 30
Views: 2718

Re: Do you budget for expenditures or saving?

Since I'm retired, I budget.
by floydtime
Fri Sep 06, 2013 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Just applied for Social Security
Replies: 36
Views: 3697

Re: Just applied for Social Security

gkaplan wrote:Who would want to live in Mississippi?

The people who live there perhaps? :)
by floydtime
Fri Sep 06, 2013 1:29 pm
Forum: Investing - Theory, News & General
Topic: bad time for bonds?
Replies: 37
Views: 4542

Re: bad time for bonds?

It's always a good time. When the stock market tanks (which it will from time to time) you will be very happy you had something in bonds. You won't get rich off of bonds, but that is not what they are for. Some folks don't understand duration, but believe me, at your age, you are many times the dura...
by floydtime
Fri Sep 06, 2013 11:03 am
Forum: Investing - Help with Personal Investments
Topic: 10 year Treasury Rate Hits 3%
Replies: 23
Views: 4185

Re: 10 year Treasury Rate Hits 3%

Munir wrote:So it's not a question of if and when will the rate rise anymore.

Of course it is. You have no more idea if interest rates will go up or down in the future than you did a year ago.

I was just glad to see my dividends go up. Today not so much, but it really doesn't matter.
by floydtime
Wed Aug 28, 2013 12:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1052562

Re: U.S. stocks in freefall

Trader007 wrote:<Sat Dec 17, 2011 8:38 am>Stock indices should continue down for several months now. Looks like end of February-end of March. Will be more specific later.

I wonder when this guy is going to come back and give us more specifics? :oops:
by floydtime
Fri Aug 23, 2013 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: When "getting back to even" isn't really even
Replies: 19
Views: 2273

Re: When "getting back to even" isn't really even

Why are you (the OP) assuming that the holders of such a fund will sell it as soon as the duration is up (and/or, as soon as they are back to "nominally even" in the scenario you outline)? Most will hold it for many times the duration, and many never sell at all and just live off a portion...
by floydtime
Thu Aug 22, 2013 3:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 133140

Re: Boglehead Beer

Whatever beer is in my hand is my favorite. You know what they say, better to have a bottle in front of me than a frontal lobotomy.
by floydtime
Wed Aug 21, 2013 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Market Ruckus
Replies: 66
Views: 5991

Re: Bond Market Ruckus

Why would you "stay the course" if you _knew_ interest rates were going to rise? You could go to cash and CD's and buy many more bond shares at lower prices when rates had normalized. Correct, if you knew the future, you could time the market in this way and be rich. I don't know the futu...
by floydtime
Wed Aug 21, 2013 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Bond Market Ruckus
Replies: 66
Views: 5991

Re: Bond Market Ruckus

In fact, I'm excited at the thought of bond fund prices falling in my portfolio. This means a lot more shares being bought due to reinvestment and also rebalancing.. and eventually, decades later, all those extra shares bought is going to bring me more income collectively. Sweet thoughts. Yes, yes,...
by floydtime
Wed Aug 21, 2013 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Bond Market Ruckus
Replies: 66
Views: 5991

Re: Bond Market Ruckus

Let's take a look at recent history. Here in the UK a typical bond fund has lost 7% in the last year and is now offering the princely distribution yield of 2.23%. Net return for the bond investor of minus 4.77%. Surely a case for holding part (maybe all) of fixed income in cash instruments which at...
by floydtime
Wed Aug 21, 2013 10:39 am
Forum: Personal Consumer Issues
Topic: Door to door annoyances--easy way to stop?
Replies: 60
Views: 5413

Re: Door to door annoyances--easy way to stop?

Answer the door naked.
by floydtime
Wed Aug 21, 2013 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Bond Market Ruckus
Replies: 66
Views: 5991

Re: Bond Market Ruckus

For the OP, being MANY years away from retirement, bonds are not a bad investment. Who cares what yields are now? He is many TIMES the duration away from needing the money. Buy into your bond fund, ignore the NAV, AND PRAY that rates go through the roof. Any other advice here is, at its core, market...
by floydtime
Mon Aug 19, 2013 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Catching a falling knife in the bond market?
Replies: 15
Views: 2212

Re: Catching a falling knife in the bond market?

When do you need the money that you are placing into TBM?
by floydtime
Fri Aug 16, 2013 11:55 am
Forum: Investing - Theory, News & General
Topic: Post-2012 tax gain harvesting [Wiki]
Replies: 21
Views: 2556

Re: Post-2012 tax gain harvesting

Thanks so much, LadyGeek - this looks great and is much clearer! One thing I see though is the following... The 2012 lower capital gains rate only applies to taxpayers who are in the 15% bracket even when the amount of the capital gain is included. A taxpayer with $20,000 in taxable income and $100,...
by floydtime
Thu Aug 15, 2013 2:55 pm
Forum: Investing - Theory, News & General
Topic: Post-2012 tax gain harvesting [Wiki]
Replies: 21
Views: 2556

Post-2012 tax gain harvesting [Wiki]

The wiki on tax gain harvesting (http://www.bogleheads.org/wiki/Tax_gain_harvesting) appears to be out of date, since long-term capital gains are still taxed at 0% for those in the 10% and 15% tax bracket. The wiki still says that these are "scheduled to increase" in 2013, but that is no longer the case...is it?
by floydtime
Wed Jul 31, 2013 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: My Early Retirement Thoughts and Calculations
Replies: 43
Views: 10452

Re: My Early Retirement Thoughts and Calculations

I expect asset-testing for the ACA subsidies to be one of the first modifications to the program. 60 Minutes will have a segment on all the non-working millionaires getting very sunstantial "low income" subsidies on their health care premiums because they know how to game their MAGI and l...