Search found 5015 matches

by kaneohe
Thu Oct 04, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2062

Re: AARP UnitedHealthCare Plan G

I had AARP Plan F until a month ago when I switched to G. During the 6 yrs I had F, the premiums increased 50%. That is a 7% increase/yr of which 3% is the disappearing discount so the other component account for health care costs increasing is 4%/yr. Now that the discount is gone, that 4% should a...
by kaneohe
Wed Oct 03, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating 2018 Tax Liability
Replies: 20
Views: 2018

Re: Calculating 2018 Tax Liability

I like this one: https://www.mortgagecalculator.org/calcs/1040-calculator.php It gave the same results as this one (using 2018 results) https://www.hrblock.com/tax-calculator/#/en/te/aboutYou These two usually agree with Taxcaster. Taxcaster calculates both 2017 and 2018 results at the end. The irs ...
by kaneohe
Wed Oct 03, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2062

Re: AARP UnitedHealthCare Plan G

I had AARP Plan F until a month ago when I switched to G. During the 6 yrs I had F, the premiums increased 50%. That is a 7% increase/yr of which 3% is the disappearing discount so the other component account for health care costs increasing is 4%/yr. Now that the discount is gone, that 4% should ap...
by kaneohe
Wed Oct 03, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Any good 2018 CA tax calculators out there?
Replies: 7
Views: 737

Re: Any good 2018 CA tax calculators out there?

CA has a tax calculator of ftb website https://webapp.ftb.ca.gov/taxcalc/calculator.aspx?Submit=2017+Tax+Calculator&Lang=english&redirectURL=OTC This is a 2017 calculator but should be reasonably close since CA has not changed tax laws like Fed. However input required is CA taxable income. You can g...
by kaneohe
Tue Oct 02, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Any (medicare plans) experience with Silver & Fit?
Replies: 21
Views: 1170

Re: Any (medicare plans) experience with Silver & Fit?

What puzzles me about these programs with Medicare plans is how the costs are dealt with. Sure seems like this would be costly, but maybe not? I am guessing that the free gym perks attracts a healthier mix of patients, on average. Also, these plans all spend a ton on marketing (advertising in newsp...
by kaneohe
Tue Oct 02, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Trying to understand distribution estimates
Replies: 1
Views: 201

Re: Trying to understand distribution estimates

I would guess it is a % of NAV when they made the announcement.......they can't crystal ball future NAV either.
These guesses are just that.....guesses anyway....tho they should be able to refine them a bit later in yr.
by kaneohe
Mon Oct 01, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: AMT after Tax Reform
Replies: 4
Views: 762

Re: AMT after Tax Reform

see F6251 https://www.irs.gov/pub/irs-pdf/f6251.pdf and instructions https://www.irs.gov/pub/irs-pdf/i6251.pdf for line 29 on p.10. Assuming AMT works like it has in the past........you are given a initial exemption Eo and then a phase-out threshold Pt. The actual exemption is Eo if your income is l...
by kaneohe
Mon Oct 01, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Any (medicare plans) experience with Silver & Fit?
Replies: 21
Views: 1170

Re: Any (medicare plans) experience with Silver & Fit?

AARP/UHC is ending its program at Silver Sneakers in CA (not sure about other states)at the end of 2018. You can provide feedback at aarpadvantages.com ......click on Contact Us at the bottom of page and a survey will appear. A free form place to provide feedback will pop up after the first question.
by kaneohe
Mon Oct 01, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 21
Views: 1239

Re: Medicare Supplemental Insurance Plans

. billfromct, Although I am a big supporter of posting with mutual fund names instead of ticker symbols when posting on this board. Medicare Supplemental Insurance Plans like Plan G and Plan N do not have names they are simply Plan G or Plan N. There are names for the various parts of Medicare inst...
by kaneohe
Mon Oct 01, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 21
Views: 1239

Re: Struggling with Medicare Plan G vs Plan N

Chapter 15 has the answers. 3rd edition. I am not saying it will always be beneficial or cost less or more or have less or more coverage. I am saying that you can switch your plans on an annual basis. There are special enrollment timeframes also. There may be stipulations. This is just to to inform...
by kaneohe
Mon Oct 01, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 21
Views: 1239

Re: Struggling with Medicare Plan G vs Plan N

.............The price difference in my state between Plan G and Plan N is around $20-$25.00 a month. ..................... Would you go with Plan G and not have to deal with the $20.00 copays and excess charges or Plan N? ................................. RB I would have no idea how to estimate fu...
by kaneohe
Mon Oct 01, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 21
Views: 1239

Re: Struggling with Medicare Plan G vs Plan N

For one thing, you can change plans on the annual basis. So if your plan goes up and you don't like it you can look elsewhere. You will know the costs during enrollment and they will go through the following calendar year. The next year you can reassess. Once again on Medicare information, I would ...
by kaneohe
Sun Sep 30, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable, free tax forecaster
Replies: 9
Views: 942

Re: Reasonable, free tax forecaster

The income tax forecaster appears to assume everything is wages subject to FICA..........no provision for entering
CG and QDIV income........or even plain interest separately .....so be careful how you interpret it.
by kaneohe
Sun Sep 30, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: (Refundable) Child Tax Credit in 2018
Replies: 8
Views: 1399

Re: (Refundable) Child Tax Credit in 2018

...................... however much of $2000 * (# of qualifying children) plus $500 * (# of other dependents) is left over after taking the non-refundable credit, may be used - up to $1400 * (# of qualifying children) - for a refundable credit. Great news for those in a position to use this. Isn't ...
by kaneohe
Sat Sep 29, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable, free tax forecaster
Replies: 9
Views: 942

Re: Reasonable, free tax forecaster

I like this one: https://www.mortgagecalculator.org/calc ... ulator.php
because of its one-page format.

Others like Taxcaster or the HR Block calculator. Use a couple and if you get the same answer, that should give
you some confidence in the answer.
by kaneohe
Fri Sep 28, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1538

Re: Roth IRA Conversion Ladder before 59.5

Vanguard has a concise description of how this works at the bottom of their pamphlet .............................. You are probably safe if you follow those rules. However you may be restricting yourself since the real rules have more liberal rules after age 59.5 depending on the age of the oldest...
by kaneohe
Thu Sep 27, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Check My Math
Replies: 12
Views: 764

Re: Check My Math

Try the tax calculators here (for Fed) viewtopic.php?f=2&t=240283
by kaneohe
Wed Sep 26, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is taxcaster 2018 accurate for AMT?
Replies: 15
Views: 1748

Re: Is taxcaster 2018 accurate for AMT?

I haven't used taxcaster before. I can't seem to find the 2018 edition. It seems the 2017 will move on to 2018, however my numbers have changed a lot. How do you get to Taxcaster 2018? Go to TaxCaster and enter your 2018 numbers. It will return both 2017 and 2018 tax estimates. It may or may not be...
by kaneohe
Wed Sep 26, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1538

Re: Roth IRA Conversion Ladder before 59.5

.............................................. If I have 0 income (living off savings) at the first year of the conversion of 40k then I will pay taxes at ordinary on the 40k of $1600 (40k minus 24k std ded = 16k AGI) with the current progressive tax brackets then 5 years later the 40k comes out ta...
by kaneohe
Wed Sep 26, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1538

Re: Roth IRA Conversion Ladder before 59.5

................................................ So, let's say you have $200k in your tIRA. All of it is taxable on withdrawal, since you do not have any non-deductible contributions. So, lets say you convert $40k each of the first 5 years. In each year you would have $40k of ordinary taxable incom...
by kaneohe
Mon Sep 24, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: monitor when credit freeze thaws
Replies: 8
Views: 937

Re: monitor when credit freeze thaws

Each credit bureau shows it in a different place but often in a summary near the top or bottom, before or after all your details payment history for each credit card. Usually says something like "locked by consumer" or "frozen by consumer". I agree........EXP and EQ have it before all the details a...
by kaneohe
Fri Sep 21, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 14
Views: 804

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

Thanks, that makes sense.......but OP stated his rollover was "pure"....only from corp. retirement plans so if you tell 401K admin. that it's not a rollover and they reject it, then you won't be able to do the rollover you want even if it is a real rollover. No, you make sure they know when it is n...
by kaneohe
Fri Sep 21, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 14
Views: 804

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

Follow-up question: [/b]Why is the term "Rollover IRA" a trigger for potentially not accepting it? I believe that Alan was saying to make sure that the 401(k) admin knows that it is NOT a rollover IRA. Why would you want the 401K admin to believe it was NOT a rollover IRA if you were trying to get ...
by kaneohe
Fri Sep 21, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 14
Views: 804

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

Follow-up question: [/b]Why is the term "Rollover IRA" a trigger for potentially not accepting it? I believe that Alan was saying to make sure that the 401(k) admin knows that it is NOT a rollover IRA. Why would you want the 401K admin to believe it was NOT a rollover IRA if you were trying to get ...
by kaneohe
Thu Sep 20, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 14
Views: 804

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

Follow-up question: [/b]Why is the term "Rollover IRA" a trigger for potentially not accepting it? I believe that Alan was saying to make sure that the 401(k) admin knows that it is NOT a rollover IRA. I believe Alan may have mis-stated one of the sentences. I believe this is the real thing he mean...
by kaneohe
Wed Sep 19, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Organizing an unplanned portfolio and dealing with LTCG
Replies: 14
Views: 1357

Re: Organizing an unplanned portfolio and dealing with LTCG

............................................ I dont have the courage to go down that rabbit hole. In addition it seems that I would be out of luck anyway because CA state tax doesnt have such a mechanism. ................................. if you are talking about the Annualized Income schedule for ...
by kaneohe
Wed Sep 19, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: General 2018 Tax Question
Replies: 33
Views: 3734

Re: General 2018 Tax Question

Foreign Tax Refund... must be Schedule 1 as well. We will be able to mail the new Form 1040 as a postcard, but all the supporting docs will require the usual large envelope... Why did they bother. We already had 1040EZ for those who only have to write name, address and a few more numbers. If you me...
by kaneohe
Wed Sep 19, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: General 2018 Tax Question
Replies: 33
Views: 3734

Re: General 2018 Tax Question

Recognizing the changes imposed by the 2017 Tax Cuts & Jobs Act isn't the calculation methodology for 2018 the same as it was last year - I mean isn't the new 1040 and the 6 schedules just an abbreviated way of capturing the same tax data ? Not sure I would call it abbreviated.........many schedule...
by kaneohe
Tue Sep 18, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: CA tax question with treasuries ..
Replies: 7
Views: 528

Re: CA tax question with treasuries ..

I'm voting w/ Thesaints . CA return starts w/Fed AGI . It then makes adjustments on Sch CA where the treasury interest gets subtracted out leading to the CA AGI w/ only the other income to be taxed at the lower brackets.
by kaneohe
Tue Sep 18, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Money Market account in a Roth quick question
Replies: 6
Views: 498

Re: Money Market account in a Roth quick question

I have a small sum of cash I'd like park somewhere and leave it be/earn something; currently it's in my bank savings account not earning much interest. Two questions : If it's in a money market (VMFXX) in the Roth, is it subject to any taxation? I will be 59.5 in a few months, so I'm assuming after...
by kaneohe
Mon Sep 17, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1258

Re: rmd for IRAs at multiple institutions

I have IRAs at Fidelity and Vanguard. I also let them calculate what I owe and do each separately. If there is a query on my taxes years later, I would not like to have to prove that I took sufficient RMDs from multiple institutions. Reminds me about stories of whether you should keep your own cost...
by kaneohe
Mon Sep 17, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: California tax free fund or an AMT tax free fund?
Replies: 9
Views: 809

Re: California tax free fund or an AMT tax free fund?

Are you still subject to AMT after the changes in tax law? Many who were aren't. If you still need it here's one: https://www.morningstar.com/funds/xnas/drcax/quote.html Interesting. I will have more than 70k in taxable income (the threshold for single filers) but a lot of deductions have been elim...
by kaneohe
Mon Sep 17, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1258

Re: rmd for IRAs at multiple institutions

RM.....I'm basically agreeing w/ you in the usual case. I'm sure IRS has bigger fish to fry than if you're off 1,2,3 bucks. I just wanted to mention as I did in previous post that the reason IRS might word it the way it does......... add the individual RMDS.......not add the account values and divid...
by kaneohe
Mon Sep 17, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: California tax free fund or an AMT tax free fund?
Replies: 9
Views: 809

Re: California tax free fund or an AMT tax free fund?

Are you still subject to AMT after the changes in tax law? Many who were aren't.
If you still need it here's one: https://www.morningstar.com/funds/xnas/drcax/quote.html
by kaneohe
Mon Sep 17, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1258

Re: rmd for IRAs at multiple institutions

Thanks for the feedback. I previously rolled my 401(k) into an IRA so the accounts would be the same. None are inherited... so I am calculated my RMD based on the total of my IRAs from both institutions. I just needed to confirm the "both institutions" part was correct. My wife is younger, 70 is a ...
by kaneohe
Mon Sep 17, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1272

Re: How to tell when a Mango is ripe?

Might be overkill for you............get them from Costco....6 or so in a container. Wife has been buying them weekly this yr. All good. If you don't like them.......return them........you might even feel guilty because they'll take them back w/ no questions and dump them w/o even looking at them fo...
by kaneohe
Mon Sep 17, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1272

Re: How to tell when a Mango is ripe?

https://www.google.com/search?q=ethylen ... e&ie=UTF-8

ethylene.........the brown paper bag does the same
by kaneohe
Mon Sep 17, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1272

Re: How to tell when a Mango is ripe?

Seems like this is somewhat of an art that comes w/ experience. There doesn't seem to be an objective quantifiable test.........like if it gives xxxx mils if I apply yyyyy pressure it is 50% ripe. The consoling thing is that it may taste good even if you are somewhat off. Some mangos are even eaten ...
by kaneohe
Mon Sep 17, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Organizing an unplanned portfolio and dealing with LTCG
Replies: 14
Views: 1357

Re: Organizing an unplanned portfolio and dealing with LTCG

............................................... 1. .................... Selling anything this year is difficult because I am not going to meet the safe harbour requirements for federal or CA withholdings in 2018, resulting in penalties. .................................... If nothing changed from 2...
by kaneohe
Mon Sep 17, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Looking for Tax Reduction moves this year
Replies: 11
Views: 1312

Re: Looking for Tax Reduction moves this year

Pay your quarterly estimated tax tomorrow to avoid penalty on underpayment. Since this is appears to be a non-recurring item, the OP may be fine with the safe harbor rules and not need to pay an estimate in order to avoid a penalty. Agree w/ jebmke..........OP may want to investigate safe harbor......
by kaneohe
Mon Sep 17, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Organizing an unplanned portfolio and dealing with LTCG
Replies: 14
Views: 1357

Re: Organizing an unplanned portfolio and dealing with LTCG

.............................................. 2. The Vanguard Retirement 2045 in my taxable account causes several thousand a year in extra taxes from dividends and capital gains payouts. Any suggestions for comparing the net effect of selling it all and paying the LTCG vs just paying the addition...
by kaneohe
Sun Sep 16, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Looking for Tax Reduction moves this year
Replies: 11
Views: 1312

Re: Looking for Tax Reduction moves this year

Additional NIIT? Part of CG taxed at 20% since income is so high?

Also: calculation won't be changed but words should be? original basis (not sales price) and 25% (not 0.25%)
"250 k (The Difference between sale price & its current new basis )x 0.25 % Depreciation Recapture = $ 62500"
by kaneohe
Sat Sep 15, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Staying with the old platform Mutual Funds
Replies: 12
Views: 1257

Re: Staying with the old platform Mutual Funds

Have there been any problems after switching to brokerage acct?
by kaneohe
Fri Sep 14, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 1040x and taxes due
Replies: 1
Views: 162

Re: 1040x and taxes due

If you can call them , perhaps you could find someone who might be able to understand your situation and advise you on the best thing to do.
by kaneohe
Fri Sep 14, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly tax payments for self-employment income?
Replies: 5
Views: 309

Re: Quarterly tax payments for self-employment income?

.............................. I have a little bit of self-employment income this year; it's more than $400 so I do need to report it. ..................................... from IRS ....... https://www.irs.gov/newsroom/reporting-miscellaneous-income sounds like all income is taxable.......the $400 ...
by kaneohe
Fri Sep 14, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3304

Re: How to help teenager fix silly mistakes in math?

A really fast way to check math equations is to use Casting Nines or casting out nines. I’ve done this since elementary school to catch stupid errors. .................................... interesting idea.....never heard of it before.........in simple words,why the heck does it work? Might help me ...
by kaneohe
Thu Sep 13, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3304

Re: How to help teenager fix silly mistakes in math?

Agree w/ the advice to get a 3rd party in the school involved. Maybe you will get lucky and run into the rare caring and competent school who can diagnose and help fix student math issues. We tried numerous times and we never did. We got lots of blame and defensiveness, but ultimately we were on ou...
by kaneohe
Thu Sep 13, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: How easily can I roll one Roth IRA into another?
Replies: 15
Views: 894

Re: How easily can I roll one Roth IRA into another?

Is that 365 limit specific to Schwab or is it a federal regulation of some sort that applies to all my accounts? I do a TIRA to Roth rollover once a year in January, but entirely within Vanguard. Don't want to prevent myself from being able to do that. It's not Schwab specific......it is a federal ...
by kaneohe
Thu Sep 13, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3304

Re: How to help teenager fix silly mistakes in math?

Agree w/ the advice to get a 3rd party in the school involved. Even if they do exactly the same thing that you
would do, it's kind of like hiring somebody to teach them how to drive. Removes the family element which tends
in many cases to cause more friction for some reason.
by kaneohe
Thu Sep 13, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is this even possible ? Roth IRA to tIRA (not recharactarization)
Replies: 2
Views: 229

Re: Is this even possible ? Roth IRA to tIRA (not recharactarization)

Even if you could do this (which you can't) , have you thought about the end result after taxes? My impression is that the end result would be turning a Roth into a taxable account. In the US that still would be better than TIRA if you held low cost index funds because of LTCG taxation vs ordinary t...