Search found 10859 matches

by DSInvestor
Tue May 08, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Converting Admiral fund to ETF
Replies: 24
Views: 1727

Re: Converting Admiral fund to ETF

How big is the overall portfolio? If portfolio is under 100K, I would suggest ditching the Global REIT fund and consolidating to Total International Stock Market Index fund VGTSX Investor shares, VTIAX Admiral shares (er=0.11%) or VXUS ETF. This would lower your expense ratio, improve tax efficiency...
by DSInvestor
Thu May 03, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Funding VG Roth IRA using VG Money Mkt Funds?
Replies: 7
Views: 732

Re: Funding VG Roth IRA using VG Money Mkt Funds?

If you and/or your spouse have compensation that will support Roth IRA contributions, it makes sense to contribute to Roth IRA. This will essentially move $6500/yr per spouse from your taxable account into Roth IRA space. While Roth conversions are taxable, the tax cost of conversion depends very mu...
by DSInvestor
Thu Apr 26, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: ETF Conversion Timing... are dividends qualified?
Replies: 2
Views: 298

Re: ETF Conversion Timing... are dividends qualified?

Vanguard's VTI ETF shares and VTSAX mutual fund shares are different share classes of the same fund. You have owned the shares of the fund for more than 60 days. Vanguard's ETF conversions in taxable accounts are not taxable events because you're just changing from one share class of the fund to ano...
by DSInvestor
Sat Apr 14, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: How to transition to a new asset allocation?
Replies: 8
Views: 773

Re: How to transition to a new asset allocation?

If you like the new options for bond index and REIT better than the old options, you should move immediately. IMO, a change in your asset allocation would be to change your stock/bond ratio say from 80/20 stock/bond to 60/40. Assuming you're keeping your stock/bond ratio the same, you're just swappi...
by DSInvestor
Thu Apr 12, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1099-R Error
Replies: 13
Views: 1172

Re: Vanguard 1099-R Error

Hello Guys, Sorry for the late reply. Got really busy. But anyways I found out that what I thought was a "re-characterization" turned out to be a "conversion" from Traditional to Roth thus the code Vanguard assigned is 02 on the 1099-R form. But the thing is when I called in for assistance and spok...
by DSInvestor
Thu Apr 12, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion question
Replies: 11
Views: 836

Re: Roth IRA conversion question

It's not as simple as just considering the amount of room to top of current tax bracket. You need to consider your entire tax picture as well as implications on health insurance premium (medicare and/or ACA premium tax credits). For example, if you qualify for an ACA premium tax credit without conve...
by DSInvestor
Tue Apr 10, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1099-R Error
Replies: 13
Views: 1172

Re: Vanguard 1099-R Error

If you converted the assets in the Traditional IRA to Roth IRA, then the 1099R is correct as it reports the conversions. The conversion may or may not be taxable depending on whether you have IRA basis. IRA basis is the amount of non-deductible contributions you have made. If you were covered by an ...
by DSInvestor
Tue Apr 10, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Just paid off my debt, have some questions going forward
Replies: 29
Views: 1928

Re: Just paid off my debt, have some questions going forward

IRS page on Roth IRA Income limits: https://www.irs.gov/retirement-plans/roth-iras For 2017 tax year, Roth IRA contribution eligibility phases out at MAGI of 186K. No 2017 Roth IRA contributions if MAGI exceeds 196K. For 2018 tax year, Roth IRA contribution eligibility phases out at MAGI at 189K. N...
by DSInvestor
Tue Apr 10, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1433

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

I think there is a web site called AUDIOGON.COM which focuses on high end and maybe vintage audio equipment. I am not affiliated with the site and have never used it.
by DSInvestor
Tue Apr 10, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Just paid off my debt, have some questions going forward
Replies: 29
Views: 1928

Re: Just paid off my debt, have some questions going forward

IRS page on Roth IRA Income limits: https://www.irs.gov/retirement-plans/roth-iras For 2017 tax year, Roth IRA contribution eligibility phases out at MAGI of 186K. No 2017 Roth IRA contributions if MAGI exceeds 196K. For 2018 tax year, Roth IRA contribution eligibility phases out at MAGI at 189K. No...
by DSInvestor
Tue Apr 10, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing advice
Replies: 10
Views: 1051

Re: Rebalancing advice

Sigh. The last time I posted here the google sheet was a suggestion of some of the frequent advice posters. I thought about that, but figured I'd take the last advice. Time to just go to a planner. This has become more trouble than its worth. And as they always say....'you get what you pay for'. Wi...
by DSInvestor
Tue Apr 10, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Help with AA across tax deferred accounts
Replies: 4
Views: 326

Re: Help with AA across tax deferred accounts

Are those listed funds available in all accounts? If not, please let us know what investment options are available in each account with fund names, tickers and expense ratios. The recommendations we give may differ depending on what's available. For example, if the 401k is loaded with high cost fund...
by DSInvestor
Mon Apr 09, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Managing Retirement Accounts for RMDs in a (Possibly) Declining Stock Market
Replies: 5
Views: 715

Re: Managing Retirement Accounts for RMDs in a (Possibly) Declining Stock Market

If you need to take an RMD from a 401k that is 100% stocks but do not want to sell stocks, simply place a second trade in your IRA to exchange bonds for stocks. These two actions combined will effectively have you selling bonds rather than stocks to satisfy your RMD. example: In 401k, sell 40K Stock...
by DSInvestor
Sat Apr 07, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Re characterize or reverse traditional IRA contribution
Replies: 5
Views: 347

Re: Re characterize or reverse traditional IRA contribution

Thanks! Sorry I was probably not clear. I am MFJ and my wife doesn't work, so based on our household income , I am eligible for a full Roth contribution. However I wanted to contribute to tIRA , just to save a bit on taxes. If your tax software tells you that you can deduct $1300 in Tradtional IRA ...
by DSInvestor
Sat Apr 07, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA and Roth together
Replies: 2
Views: 351

Re: Traditional IRA and Roth together

You may be able to get your IRA custodian to code the IRA contribution made last week as a 2018 Traditional IRA contribution. This avoids the issue of having to remove excess contributions and associated earnings. If you filed your 2017 tax return and reported a Traditional IRA contribution, you can...
by DSInvestor
Sat Apr 07, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to backdoor Roth?
Replies: 9
Views: 1002

Re: Best way to backdoor Roth?

Welcome to the forum! Any gains in the IRA are taxable, so most here recommend fully funding the IRA ($5500) and then essentially converting immediately - as soon as funds clear. This minimizes the potential for any gains. Wiki here: https://www.bogleheads.org/wiki/Backdoor_Roth_IRA I second this a...
by DSInvestor
Sat Apr 07, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Re characterize or reverse traditional IRA contribution
Replies: 5
Views: 347

Re: Re characterize or reverse traditional IRA contribution

Traditional IRA contributions are not limited by high income. If you are covered by an employer plan, your Traditional IRA deduction phases out with high income. You can make TradIRA contribution, but you would not be able to deduct them. If you had income over 72K, are filing as single and was cove...
by DSInvestor
Sat Apr 07, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Error in paul merriman's Fine-Tuning-Tables -- 100% bond returns?
Replies: 3
Views: 328

Re: Error in paul merriman's Fine-Tuning-Tables -- 100% bond returns?

What bonds or bond funds does his 100% bond portfolio hold?

Vanguard Total Bond Market VBMFX 2008 return was +5.15%
Vanguard Intermediate Term Treasury VFITX 2008 return was +13.32%

If his bond portfolio was heavy in intermediate term treasury bonds, it could have returned 8%.
by DSInvestor
Sat Apr 07, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of recharacterizing improper Roth contributions?
Replies: 3
Views: 235

Re: Tax implications of recharacterizing improper Roth contributions?

If you or your spouse were not covered by an employer sponsored retirement plan, you may be eligible for Traditional IRA deduction. If so, your tax liability for 2017 tax year may be reduced. If you were covered by an employer plan, your TIRA deduction may be phased out. If any part of the TIRA cont...
by DSInvestor
Fri Apr 06, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Going from W2 to 1099 Contract Labor
Replies: 5
Views: 457

Re: Going from W2 to 1099 Contract Labor

I do prepare our own taxes and it sounds like unless you have substantial revenue, where paying yourself a reasonable salary would save you large amounts of money in lower payroll taxes, the sole proprietor would be the way to go? Yep, you have to compare all the savings in payroll taxes under S-Co...
by DSInvestor
Fri Apr 06, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2781

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

Past performance is not indicative of future results. You will see something to that effect in all mutual fund prospectuses. Here's a something from the prospectus for the Vanguard Healthcare fund: These average annual returns reflect past performance of common stocks; you should not regard them as ...
by DSInvestor
Fri Apr 06, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Going from W2 to 1099 Contract Labor
Replies: 5
Views: 457

Re: Going from W2 to 1099 Contract Labor

Sole proprietor (Schedule C/SE) is pretty simple and less costly than using a corporation. S-Corp will require additional administrative burden to file S-Corp tax returns, payroll etc. If you prepare your own tax returns, it is pretty easy to continue to prepare your own returns with schedule C/SE. ...
by DSInvestor
Wed Apr 04, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Large capital loss
Replies: 14
Views: 1183

Re: Large capital loss

That extra 3K/yr of ordinary income will allow you to convert an extra 3K/yr to Roth IRA at a lower tax cost. If your marginal tax rate is higher than your capital gains tax rate, you're coming out ahead with the 3K/yr ordinary income reduction.
by DSInvestor
Wed Apr 04, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth Conversion Question
Replies: 5
Views: 470

Re: Another Backdoor Roth Conversion Question

Thanks guys, didn't realize I could stash that extra 'earnings' into the Roth. I was under the assumption that the backdoor could only be $5500. Lesson learned. The IRA contribution amount is limited to $5500 for those under age 50. There is no limit for conversions. If you contributed $5500 to IRA...
by DSInvestor
Wed Apr 04, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Longterm Capital Gains when moving portfolio to Vanguard?
Replies: 9
Views: 874

Re: Longterm Capital Gains when moving portfolio to Vanguard?

While Long Term Capital Gains (LTCG) may be taxed at 0% for federal tax purposes, that LTCG income is included in your Adjusted Gross Income (AGI). If your state has a state income tax, your capital gains will likely be taxed as ordinary income by your state. The higher AGI associated with the LTCG ...
by DSInvestor
Tue Apr 03, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth Conversion Question
Replies: 5
Views: 470

Re: Another Backdoor Roth Conversion Question

There was no need to remove the $0.32 from the Roth IRA but since you did, you now have a withdrawal from the Roth IRA as well. You may have received a 1099-R for the Traditional IRA to Roth IRA conversion and another 1099-R showing the distribution from the Roth IRA. When filing your taxes for 2017...
by DSInvestor
Tue Apr 03, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Tax Deduction on past Roth 401k contributions - HELP!
Replies: 4
Views: 862

Re: Tax Deduction on past Roth 401k contributions - HELP!

Is there any chance that the Traditional contributions shown there are employer contributions rather than the employee salary deferral of 18-18.5K? Employer contributions to retirement plans are always traditional and they reduce the net income of the business. I confess that I am more familiar with...
by DSInvestor
Mon Apr 02, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion deadline?
Replies: 2
Views: 241

Re: Roth conversion deadline?

Roth conversions can be done at any time. However if one wants a Roth conversion to be counted for tax year 2018, the conversion must be done by DEC 31, 2018. If you were covered by employer plan for 2017, your 2017 Traditional IRA contribution would be non-deductible (IRA basis) and tracked on form...
by DSInvestor
Mon Apr 02, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion Question
Replies: 7
Views: 524

Re: Roth Conversion Question

Those who are subject to RMD must take RMD first before doing any Roth conversions. The RMD cannot be converted to Roth. In your example, where they convert 150K to stay in the 24% bracket should be adjusted to 150K of additional income where conversion amount is 150K - RMD amount. Having higher AGI...
by DSInvestor
Sat Mar 31, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3478

Re: Explain one more time how balance funds work

My explaining is subpar for sure - which leads to confusion by the reader. It shows I too am confused. Let say you have two portfolios - 1. A Balanced Fund (BF) of 60-40 and 2. A 3 Fund Portfolio (3FP) of 60-40 which is currently at exactly 60-40 (no rebalncing needed) RMD comes along and you must ...
by DSInvestor
Fri Mar 30, 2018 12:00 am
Forum: Investing - Theory, News & General
Topic: 401k vs Traditional IRA
Replies: 34
Views: 1889

Re: 401k vs Traditional IRA

If your 401k offers an employer match that requires your contribution, you should use the 401k. If you're covered by an employer plan, you may not be able to deduct IRA contributions if your income exceeds certain limits. See IRS page on IRA deduction limits: https://www.irs.gov/retirement-plans/ira...
by DSInvestor
Thu Mar 29, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Another TLH Situation
Replies: 3
Views: 282

Re: Another TLH Situation

See FAIRMARK.COM's wash sales 101 page: http://www.fairmark.com/capgain/wash/ws101.htm General Rule In general you have a wash sale if you sell stock at a loss, and buy substantially identical securities within 30 days before or after the sale. Example: On March 31 you sell 100 shares of XYZ at a lo...
by DSInvestor
Wed Mar 28, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Travel reservations for work on personal card
Replies: 10
Views: 685

Re: Travel reservations for work on personal card

Do you have the option to buy a refundable ticket? Even if you were still with the company in June and attend the conference, I wouldn't want to wait 3 months to be reimbursed. If you have to buy non-refundable tickets, perhaps you can submit that for reimbursement immediately after the purchase.
by DSInvestor
Tue Mar 27, 2018 12:41 am
Forum: Investing - Help with Personal Investments
Topic: VT or VTI for Roth
Replies: 3
Views: 635

Re: VT or VTI for Roth

If you have $1000 or more, consider a Vanguard Target Retirement fund which has a $1000 minimum initial investment.
by DSInvestor
Mon Mar 26, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Messed up on my IRA contribution
Replies: 1
Views: 302

Re: Messed up on my IRA contribution

If you used tax sofware to prepare your return, go back into tax software and change the TIRA contribution to Roth IRA contribution. The tax software will examine your tax situation and tell you how much you can contribute to Roth IRA. If you find that you're in phase out, there may still be some th...
by DSInvestor
Sun Mar 18, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: How best to use carryover capital losses?
Replies: 17
Views: 1578

Re: How best to use carryover capital losses?

The 3K/yr reduction in ordinary income is useful to increase the amount of Roth conversions that you can do each year. If you're living off your taxable account, you may be in a very low tax bracket which may mean that you may be pay little or no tax on Roth conversions.
by DSInvestor
Thu Mar 15, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1320

Re: Selling investments - taxes

Do you have any other holdings in your taxable accounts? Any with unrealized losses? Any bonds in taxable? If you have bonds in taxable, you may be able to sell some bonds in taxable for a much lower tax cost. If your tax advantaged accounts have a mix of stocks and bonds, you can place offsetting t...
by DSInvestor
Thu Mar 15, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1698

Re: Grand Canyon and Utah Parks

Consider hitting Moab, UT which is incredibly beautiful. Arches NP, Canyonlands NP, Dead Horse Point State Park, BLM areas like Fisher Towers, Corona Arch, Highway 128, Castle Valley. If driving from Grand Canyon to Moab, visit Monument Valley. I have done The Wave (mentioned by ddurrett896 above) i...
by DSInvestor
Wed Mar 14, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA possible
Replies: 4
Views: 617

Re: Backdoor Roth IRA possible

Your conversion was done in June 2017 which means it will be handled by the 2017 8606 form and 2017 tax return. The 2017 8606 form uses IRA balances as of 12/31/2017 not 2016. You should be fine as long as your Traditional IRA, SEP-IRA, SIMPLE-IRA and rollover IRA accounts had zero balance on 12/31/...
by DSInvestor
Wed Mar 14, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Can A Traditional IRA Be Deductible If You Have A SEP
Replies: 11
Views: 877

Re: Can A Traditional IRA Be Deductible If You Have A SEP

The Traditional IRA deduction is subject to phase out if you are covered by employer plan. SEP-IRA is an employer plan as are 401k, 403b, Solo 401k, 457b, SIMPLE-IRA, pension plans etc. If you're an S-Corp and get a W-2, check your W-2 to see if the retirement plan box is checked. If not checked, yo...
by DSInvestor
Fri Mar 09, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA for over 70 year old
Replies: 2
Views: 241

Re: SEP IRA for over 70 year old

Consider a Solo 401k at Fidelity to defer some of your self employed income. Solo 401k allows for larger contributions than SEP-IRA at most levels of income. For example, if you have 100K of net business income, SEP-IRA would allow around 20K in contributions. Solo 401k would allow around 44.5K in c...
by DSInvestor
Wed Mar 07, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA Allocation
Replies: 7
Views: 904

Re: Roth vs Traditional IRA Allocation

Does the 3 fund actually gain me anything over the TR fund? If the exp. ratio is close and I'm OK ignoring the retirement year and looking at allocations only? The 3 fund gains a lower expense ratio, at the expense of you having to do rebalancing. Up to you whether your time and effort is worth the...
by DSInvestor
Wed Mar 07, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA Allocation
Replies: 7
Views: 904

Re: Roth vs Traditional IRA Allocation

Your accounts are as follows: Roth IRA 1 84K is 25% of portfolio Roth IRA 2 22K is 6% of portfolio Trad IRA 1 is 49% of portfolio Trad IRA 2 is 20% of portfolio You seek AA of 50% US, 25% INTL and 25% bonds. You could do something like this: Roth IRA 1 (25% of portfolio): 25% Total Stock Market Roth...
by DSInvestor
Mon Mar 05, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Roth IRA when over AGI
Replies: 5
Views: 554

Re: Help with Roth IRA when over AGI

Do you contribute to Roth 401k or 403b? If so, consider switching to Traditional 401k/403b for the rest of the year. Traditional 401k/403b contributions will reduce your AGI and MAGI for Roth IRA purposes and help you stay under those limits. If you have an HSA eligible health insurance plan, HSA co...
by DSInvestor
Mon Mar 05, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Road trip to National Parks in Pacific/Mountain States.
Replies: 15
Views: 2240

Re: Road trip to National Parks in Pacific/Mountain States.

Also, ideally I would like to take my dog but I am not sure if pets are allowed to every place I want to go. While dogs are allowed in national parks, they are not allowed on trails/hikes unless they are service dogs under ADA guidelines. There are some exceptions. For example, North Cascades Natio...
by DSInvestor
Mon Mar 05, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover from Traditional IRA to Roth IRA
Replies: 2
Views: 320

Re: Rollover from Traditional IRA to Roth IRA

Non-deductible contributions to Traditional IRA are tracked using form 8606. This form should be included in your tax return for each year that you made your non-deductible contributions. If you find that you have $60,000 of IRA basis from 10 years of contributions, that's the amount that can be con...
by DSInvestor
Mon Mar 05, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Roth after compensation limit?
Replies: 15
Views: 1433

Re: What to do with Roth after compensation limit?

and also max IRA ($5,500 if under 50). Does it make sense to max IRA if I can't deduct it? Why? If you cannot deduct Traditional IRA contributions, Roth IRA makes sense. If you want to save outside of tax advantaged options, you're saving in taxable vehicles which receive no tax advantages. Your co...
by DSInvestor
Fri Mar 02, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 2927

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

I installed an SSD drive and completely reinstalled the OS last night and updated the OS from Mountain Lion to High Sierra. The computer only has 4GB of RAM and could use an upgrade (priced it out on Crucial for around $85 for 2 sticks of 4GB). To be honest, I'm really shocked with how great it is ...
by DSInvestor
Thu Mar 01, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA Employer Contribution to Backdoor Roth
Replies: 10
Views: 542

Re: SEP IRA Employer Contribution to Backdoor Roth

aristotelian wrote:
Thu Mar 01, 2018 3:19 pm
Doh. Sorry for creating confusion. So if the employer got the deduction, what happens when OP converts it to Roth?
The assets are pre-tax much like an employer match in your regular 401k. Conversion of pre-tax assets is taxable.
by DSInvestor
Thu Mar 01, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Part-Time or seasonal jobs - Feed The ROTH
Replies: 13
Views: 1420

Re: Part-Time or seasonal jobs - Feed The ROTH

If you're an outdoor enthusiast and love outdoor gear, check if your local REI store is hiring. If you're years away from Medicare and have concerns about cost of health insurance or loss of ACA subsidy, REI provides health insurance for part time employees after 1 year of service and average 1000 h...