Bogleheads.org

iamblessed

You have been very helpful Thank You

iamblessed

teelainen wrote: ↑Sat Apr 10, 2021 1:09 am Are there any MagicJack phone alternatives that are cheaper and better?

My MagicJack account is up for renewal, and I don't feel like paying the $39 per year.

Any recommendations would be great, thanks.

Do they still have the deal where you can buy five years at a discount?

iamblessed

jebmke wrote: ↑Sat Apr 10, 2021 9:15 am According to a notice I received yesterday, TaxSlayer Pro is doing this correctly. I don't know if the retail version has been updated yet.

Is the TaxSlayer Pro what some paid tax preparers use?

iamblessed

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it. Home Depot shows the height as 31.5 inches with the connections on the top, which puts it right on the bleeding edge of what's possible. The connecting tubing has to bend at a sharp an...

iamblessed

Anyone use tax slayer here?

iamblessed

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it.

iamblessed

I would put in this one from home depot.
Performance 20 Gal. Short 6 Year 3800/3800-Watt Elements Electric Tank Water Heater
I am guessing $150 a year cheaper to run than the one you have.

iamblessed

arf1410 wrote: ↑Tue Apr 06, 2021 3:45 pm
iamblessed wrote: ↑Tue Apr 06, 2021 3:42 pm
We live on 22k so 50k is high on the hog here in the Midwest.
help me understand that one... I've been told to budget about $20k per year for health care ...

Free to very low cost on the ACA at a low income. The highest I ever paid was around $150 a month. Last year $63 a month.

iamblessed

I know that there are alot of variables such as cost of living but I am curious what people spend annually in retirement. My gut tells me that $50,000 annually would be living "high on the hog" assuming all debts are paid off. If anyone is willing to share I think it would be interesting....

iamblessed

It happened three times. One of them disappeared after several days. Now only show one time like it should. I still have one on there from 3/31. The newest one is also on there from 4/5.

iamblessed

kelvan80 wrote: ↑Mon Apr 05, 2021 11:30 pm Does one show as a preauthorization?

I don't see the word preauthorization anywhere.

iamblessed

It is in the Fidelity CMA account in the core sweep account

iamblessed

problem. Three different times it show me taking out the same amount twice on the same day but I only took out money once. Anybody else have this problem?

iamblessed

I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at. Costco web site and Costco stores often have different prices. The web site sometimes has higher prices that include delivery. Yeah. Sam's gives you the store price ...

iamblessed

I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at.

iamblessed

Keep enough in cash that you can sleep well not caring about what the stock market does this year or next (short-term bonds/CD's and the like ..I currently like Series I Savings Bonds and 'rewards' high-yield bank account). Put the rest in a low-cost broad stock market index fund. I'm not in a with...

iamblessed

I would not go tankless. I don't think I would ever get my money back. We bought the cheapest water heater 32 years ago. I just took a shower with it today. In the summer it and the gas stove use about $5.50 a month in gas.

iamblessed

Bogleheads: In the late 80's we put $11,000 down on an unbuilt condominium in Miami (Yacht Harbor) priced at $110,000. About 10 years later we sold our unit for $350,000 . The identical unit next door sold for $250,000 three years later. Lesson learned: Real Estate can be profitable -- and it can b...

iamblessed

I think it is easy from WV to KS.

iamblessed

Some folks on this forum have a 5k a month pension. If I had that I could retire with $0 in the bank. It just depends.

iamblessed

There is no stock ticker for Bluebird proper; Bluebird is a card issued by Walmart (WMT) and branded by American Express (AXP). Would you call Walmart the parent company? If you're asking who shares in the profits whenever a person uses his or her Bluebird card, I imagine it's both Walmart and Amer...

iamblessed

mikejuss wrote: ↑Wed Mar 24, 2021 1:39 pm There is no stock ticker for Bluebird proper; Bluebird is a card issued by Walmart (WMT) and branded by American Express (AXP).

Would you call Walmart the parent company?

iamblessed

It seem like American Express, Visa and Walmart are all involved. Which is the parent company? As far as I know none of these companies are a parent of any of the others. So I am inclined to think you are on a fools errand. Why were you interested? I think one of them is the parent of bluebird not ...

iamblessed

It seem like American Express, Visa and Walmart are all involved. Which is the parent company?

iamblessed

Most local credit union have free checking with $0 fees. Most do not ask you to use debit cards X times per month. If online is ok I would go with https://www.alliantcreditunion.org/ .55% on saving easy move money to checking as needed Here is $100 for opening it https://ww2.alliantcreditunion.org/u...

iamblessed

Here is the link https://www.bluebird.com/

iamblessed

Check out the map
https://www.e46fanatics.com/threads/bat ... p.1244709/

iamblessed

It makes some sense. I took 10% off the table for many years. He is taking 100% of the table for 2 years.

iamblessed

If it were me I would match them up to a LifeStrategy fund for their age at no cost. Most people can use a 80/20 60/40 or 40/60 fund. That is 95% of what we do here.

iamblessed

OAKBX
OAKMARK EQUITY AND INCOME INVESTOR

iamblessed

Anything to report on taxes when you make a trade inside a roth?

iamblessed

I do not. Perhaps you can explain why you are concerned about this at all? I suspect misinformation at Bogleheads.org has confused you, so just stop reading any threads that have "wash sale" in their titles. :) :) Furthermore, even if you sold those shares at a loss there would be no wash...

iamblessed

All gains in taxable and Roth.

iamblessed

stock and buy total market. Do you see any wash sale problems?

iamblessed

http://www.singingnews.com/radio/

Press listen live at the top of the page.

Love this music so much.

iamblessed

I don't. I could downsize but I am in the Midwest and would not save that much money out of the deal. I do know that my cost are low because of it so it is important. But I do not weigh it in my retirement portfolio.

iamblessed

Local credit union

iamblessed

https://engaging-data.com/tax-brackets/?fs=0&reg=0&cg=55000 [. . .] So it is not a big deal if I am a little over the 0% bracket capital gains. Nothing severe happens to me. Correct, not a big deal. Looks like I can take my income up to 53k. That way I use every inch of the 0% bracket and a...

iamblessed

Do you just get taxed on what you go above the 12% bracket? Many people find this tax visualizer useful when they have a question like yours. (The link shows tax year 2020, filing single, standard deduction, under age 65, $55K QD/LTCG): https://engaging-data.com/tax-brackets/?fs=0&reg=0&cg=...

iamblessed

I am trying to understand all of this. So if you go above the 12% bracket you will not kick you out of the 0% capital gains for all the money just the money that is above the 12% bracket?

iamblessed

With no other income.
Here is the tax calculator
http://www.moneychimp.com/features/tax_calculator.htm
Does that sound right?
That is 2k above the 12% tax bracket. Do you just get taxed on what you go above the 12% bracket?

iamblessed

Would make sense to pick whomever has the most brick-and-mortar branches in your region should you ever need one. It would make a good complement to Ally rather than just a backup online bank. +1. This is what I do. This is good for when you need to deposit cash, get notary/signature gurantee servi...

iamblessed

How long do you think it will be before the tax software is updated for the American Rescue Plan Act of 2021?

iamblessed

Assuming single filer the top of 4x FPL (cliff) and the top of the 12% marginal bracket are two different numbers. FPL for 1 in household is $12,880 I believe from a simple search. So 4x is $51,520. I'd keep AGI below that and bake in a surprise amount of income or be ready to offset it come Decemb...

iamblessed

If my income is 430% FPL will I suffer for it? Will the ACA and taxes be just a little higher than someone at the 399% FPL level? For every $100 of income over 400% FPL you will responsible for $8.50 more premium. Far less severe then before, when a single dollar over resulted in the loss of all su...

iamblessed

I want to go to the top of the 12% bracket. I am on the ACA so if I go over 400% FPL I would just have to pay a little more to the ACA.
https://www.kff.org/interactive/subsidy-calculator/

iamblessed

If my income is 430% FPL will I suffer for it? Will the ACA and taxes be just a little higher than someone at the 399% FPL level?

iamblessed

edgeagg wrote: ↑Thu Mar 11, 2021 4:49 pm If you want to know how much you might actually save, here is a calculator from Kaiser. I found it to be useful.

So nice to go over 400% FPL and not get killed.

iamblessed

lazynovice wrote: ↑Thu Mar 11, 2021 2:55 pm I posted this in a separate thread before I saw this. This calculator is updated but obviously will vary based on plan selected.

https://www.kff.org/interactive/subsidy-calculator/

This helped me a lot. Thanks

iamblessed

edgeagg wrote: ↑Thu Mar 11, 2021 4:49 pm If you want to know how much you might actually save, here is a calculator from Kaiser. I found it to be useful.

Very helpful great.

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