Bogleheads.org

Cloud

I wonder if they will accept the free creditkarma monitoring I've had for years and still have. Don't know. I would try it and see what happens. I do not know, BUT I really doubt they will go to the trouble and expense of verifying all such certifications. It is clear, though, that they want to &qu...

Cloud

I wonder if they will accept the free creditkarma monitoring I've had for years and still have.

Cloud

More click bait.
Bloomberg: The Big Short’s Michael Burry Explains Why Index Funds Are Like Subprime CDOs.
https://www.bloomberg.com/news/articles ... prime-cdos

Cloud

Yes and yes. It's probably safer than a PC.

Cloud

I use and suggest FreeTaxUSA.....

https://www.freetaxusa.com

This was my 3rd year using it and I really like it.

Cloud

We Retired at 47. Paid full price for ACA (married). 2018 and 19 decided to lower income to under 400% of FPL. 2018 subsidy was 497 a month. 2019 our subsidy increased to 700 a month due to Trump killing the CSRs. The insurance companies raised only silver rates to make up the loss of CSR payments f...

Cloud

Also probably, age is important. Obamacare policies cost more as you get older. Age 60 Myself and 2 kids Kaiser policy with no out of network option. 19000 premium per year, no subsidy deductilbe 4700 I work in health care This is crummy, obamacare policy Try not to get sick Not in VT. Every age pa...

Cloud

Why are people so afraid of the brokerage account? I find it to be very easy to use. In fact (and this might be heresy around here), I find it easier to use than Schwab. All my investments are in Vanguard mutual funds. I have no ETFs and no individual stocks or bonds. The brokerage accout doesn't s...

Cloud

Is this a problem that the stock market is shrinking. Fewer and fewer publicly traded companies. What does this mean for investors?

The New York Times: The Stock Market Is Shrinking. That's a Problem for Everyone..
https://www.nytimes.com/2018/08/04/busi ... arket.html

Cloud

Isn't this unnecessary when you can instead take advantage of the age 55 rule and withdraw $$ from your 401K penalty free. Assuming you're leaving your employer in or after the year you turn 55?

Cloud

Keepcalm wrote: ↑Tue Jan 02, 2018 12:10 am I'm going to assume mortgage payments are not being included in these annual expenses?

Well I should say it is obvious they are not, and is it correct to exclude them out of annual expense reports?

I believe most are including mortgage, in our case we do not have a mortgage.

Cloud

Appreciate you sharing. Looks to be more in line with what I was shooting for ($60Kish) if home was paid off. Curious on a couple numbers, what does "household" entail? And what is your budget for the 3 months traveling, just $4840? I can't imagine you could even ABNB/VRBO for 3 months on...

Cloud

Thanks for sharing. I assume you're single? You've inspired us to share our 2017 spending (55K). Couple, retired early, live in a high cost area, own our home, and spend 3 months a year away traveling in the south. Quicken summary numbers: Health Ins $10,572.00 Property Tax $6,300.00 Groceries $5,58...

Cloud

Silly me. Apart from the fact that I don't want the service, I assumed that signing up for it would be a security risk since it would mean that more personal information about me was being sent over the Internet. I was under the impression that even seeing the outside of your mail is considered val...

Cloud

This service is pretty handy but it does make me wonder about who else might be getting scanned images of the outside of my mail. Government agencies? advertisers? I guess they're getting it already though so I might as well too... My guess is the just gave us access to something their mail sorting...

Cloud

How is your attic vented? It is possible they did not install a new ridge vent correctly. ^ This.. If they didn't cut the shingles back correctly at the ridge vent, assuming you have a ridge vent? Gable or Ridge venting? Or maybe your venting wasn't all that good to begin with and the new shingles ...

Cloud

I have driven in snowy midwest states all my life. All season tires, never 4WD or AWD. I have never had a winter-related incident but have had lots of white-knuckle commutes or drives in nasty conditions. I consider myself a really good winter driver. BUT I just got snow tires for my new car and th...

Cloud

viewtopic.php?f=2&t=192008

Cloud

Yes, they are totally worth it. I recommend Bridgestone Blizzaks. Best snow tire hands down. Makes driving in snow and ice a breeze. You'll feel like driving on a summer day while all the folks around you are white knuckling it. 4 wheel drive doesn't mean diddly when it comes to safety and staying o...

Cloud

Retiring is a mistake, until you have nothing more to contribute. That is not a moral statement, but an individualistic one. Over the course of my career I have met many mentally and physically men aged well before their time do to early retirement. People think how nice it would be not to answer t...

Cloud

Absolutely take advantage of the subsidy. We've (the wife and I) paid full ACA un-subsidized rates for the past few years. Not next year. We've decided to do a smaller ROTH conversion next year allowing us to qualify for ACA subsidies. The folks buying un-subsidized full price ACA plans are paying t...

Cloud

Can anyone recommend an Umbrella insurance policy that does not require that I move my car insurance policy and my rental insurance policy to be a part of the Umbrella Insurance company? RLI... You can purchase a straight up umbrella policy without moving your home or auto over. https://www.rlicorp...

Cloud

Of course the 2018 ACA rates are live...and... despite doing all kinds of pre-work over the course of the last two weeks because this is my first time with the ACA...CoveredCA can't freaking validate my Identity . Not my income , which is where most people get hung up. My identity . Despite having ...

Cloud

I'm thinking of upgrading my home electrical service, but before I do I want to be able to calculate the max load my current service can handle. In particular I'm trying to figure out as a practical matter what my home can and cannot handle. There's a general rule that says you don't want to run mo...

Cloud

Retired young married couple looking to purchase two (On Exchange) separate individual plans in 2018 to avoid the Aggregate deductible family penalty. Spouse would purchase (Normal Silver plan) and I the (HDHP Bronze plan). I have done a lot of reading on the subject, and I have never seen a refere...

Cloud

I’m very confused as to how to go about and fill out the subsidies forms when it’s complicated by two individual policies. All the questions talk about family income, spouse, and number of persons in household so I’m not sure how they take into account the two separate policies for subsidies calcul...

Cloud

ACA Subsidies / HSA accounts / advance premium subsidies / Questions We’ve decided to lower our income for 2018 to qualify for ACA Subsidies. We’ve never received subsidies before so have questions. I’ve exhausted my googling for the day. Retired young married couple looking to purchase two (On Exch...

Cloud

Waiting on the email since 9/14.... Actually glad I haven't gotten it. At this point I've lost all trust in Equifax and won't be completing the signup process. I don't need another avenue for them to lose my data.

Cloud

Tried to sign up yesterday.. Still waiting on the email.

Cloud

Quicken downloads are a huge pain if you use this as your main bank account like I have for many years. I'm keeping the CMA but switching to a credit union for most of my needs. Only keeping a small cash balance in the CMA for ATM/cash access. Quicken is a pain with CMA how? Works and downloads fin...

Cloud

I have sent the vendor 3 questions online about this issue. They answered the first two promptly telling me there was a box I missed checking. They last sent this: "On the very last screen of the Underpayment Penalty menu, on the Underpayment Summary screen, you currently have answered No to th...

Cloud

OK, we made a large IRA to ROTH IRA rollover in the 4th QTR of 2016. I paid only one estimated tax payment in the 4th QTR to cover this rollover. It's my understanding I am required to file a form 2210 to show the IRS the bulk of my income happened in the 4th Quarter to avoid a penalty. I used FreeT...

Cloud

Lacking a safe harbor, you cannot eliminate potential underpayment penalties by paying a large estimate for the 4th Q, you can only reduce the penalty. The only way the IRS would know WHEN you converted is to file the 2210 AI, which we all know is time consuming. Without it, you could incur underpa...

Cloud

Are you sure you need to make any payment? You may have had enough withheld to meet the safe harbor rules. Also, any payment is due January 15, not year end.c1040-EScshould accompany any payment. Gill 100% sure we must make the estimated payment... Don't meet the estimated tax safe harbor exception...

Cloud

It's the doctor's office or lab that assigns the codes, not the insurance company. Yea, I know... Spent hours on the phone in a 3 way call trying to get the two parties (the lab billing, and the insurance company) to agree on some dam codes. It was a nightmare.... Sorry I was unclear. But it's not ...

Cloud

Estimated Tax (IRA to ROTH conversion) question. Facts: We have W2 income for the entire year (2016) but in addition we decided to convert a large sum of money from wife's TIRA to ROTH IRA last week. We didn't have any taxes withheld. We've never sent in an estimated payment before but plan to do so...

Cloud

For my "free physical" BCBS is not paying for routine lab work. Not a huge amount, but I'm wondering if this is supposed to be "free" under the ACA (we have an exchange individual policy). Thanks! Edit: Sorry group .... I should have Googled first ... just did and found my answe...

Cloud

No catch, state forms are $12.95.. This is my second year using it and so far I like it better then TaxAct. Also, both Turbo Tax and TaxAct screwed up their VT state returns last year, FreeTaxUsa got it right!

Cloud

livesoft, To answer your questions. My wife, with my input, picked the funds. The 5500 is unnecessary since she's the one who runs their 401K. You're correct in assuming most of the funds have little assets or no use. They only have a few employees so there's very little data to mine. The line up of...

Cloud

We received our new Fidelity Visa cards to replace the Fidelity AMEX this week. Anyone been able to link it to quicken yet? Yes, had the card for a month now. You need to create an Elan Financial log in separate from Fidelity. I believe you need to go to www.FidelityRewards.com/login .. The site ju...

Cloud

About 9 years ago when we moved to Employee Fiduciary here's what funds were selected. U.S. Market Vanguard Total Stock Mkt Idx VTSMX Vanguard 500 Index VFINX Vanguard Value Index VIVAX Vanguard Extended Market Index VEXMX Vanguard Small Cap Index NAESX Vanguard Small Cap Value Index VISVX Real Esta...

Cloud

It's my understanding that balancing billing is not allowed when seeing an in network Dr. You owe your copay and nothing more. This is between the hospital and the insurance company. I would never pay this bill. Let them send it to collections. Doctors or hospitals don't usually report medical debt ...

Cloud

We use the following cards: 1) Fidelity Rewards Visa (New Elan Card) 2% Cash back on everything No Fee 2) Barclay Sallie Mae Card 5% Back on Books (AKA Amazon) up to $750/month 5% Back on Gas up to $250/month 5% Back on Groceries up to $250/month No Fee Card no longer taking new members 3) AMEX Blue...

Cloud

Every time I've looked there's been no viable alternatives for me.

Picked up a copy of Quicken Premier 2016 on Amazon in March for $44.95. No issues here.

Cloud

The Case Against Roth 401(k)
http://thefinancebuff.com/case-against-roth-401k.html

Cloud

I know I'm very late in signing up for the class of 2015 but I've been absent from posting for a few years. Just found my old password and decided to become a little more active again.

Retired on 10/23/2015 @ age 47.... Wish me luck!

Cloud

I'll try to answer some of your questions. - We are above the Roth IRA income cap, so I was looking into Backdoor Roth IRA's. Is this a good route to take so my wife and I can utilize a Roth IRA? A backdoor ROTH sounds like a good plan for you but remember you can't have any other IRA money left lay...

Cloud

P.S. I have a quibble with the sound bite that says "You put up 100% of the capital, take 100% of the risk, and get 30% of the profit". The missing 70% was never there - it was taken in costs and likely consumed as income. But even granting that the fund managers took every dollar of fees...

Cloud

No, I don't trust them... Rather, I don't ever want to have to go that that rabbit hole if something should ever happen.

Cloud

Just want to point out not everyone pays additional adviser costs to obtain DFA funds. I have access to DFA funds in my 401K. No additional fees. Just the advertised DFA expense ratio, nothing more. That's interesting. Who does the client education to prevent the fickle flow of performance-chasing ...

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