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Forum: FIRE Related Public Policy 11-02-2017, 04:49 PM
Replies: 311
Views: 14,987
Posted By newtoseattle
tax plan

Yes - of course, we will see how it ends up in the end. I'm all for a simpler system but wish we wouldn't increase the deficit... Anyways -

A couple things jumped out at me beyond some of the...
Forum: Other topics 07-05-2017, 07:06 PM
Replies: 127
Views: 5,417
Posted By newtoseattle
home chef and sun basket

I've used both home chef and sun basket.
On the one hand - I feel ridiculous knowing I could just go buy the ingredients and cook it myself for cheaper - but the reality is, I don't/didn't. So, for...
Forum: FIRE and Money 05-15-2017, 08:54 PM
Replies: 120
Views: 7,693
Posted By newtoseattle
I have been mentally putting aside 250,000$ for...

I have been mentally putting aside 250,000$ for us. My idea is that it is enough to relax and pay a long time for home health, or even a couple years for SNF and time for the other to sort out...
Forum: FIRE and Money 05-09-2017, 07:50 PM
Replies: 2
Views: 627
Posted By newtoseattle
variable annuity washington state asset protection

Hello all-
I've read the washington state law re: annuities and creditors. I get that up to $3000/month distribution is exempt from creditors.
What I can't understand in the language (I did read...
Forum: FIRE and Money 01-30-2017, 03:03 PM
Replies: 13
Views: 1,834
Posted By newtoseattle
Thank you all. I found this...

Thank you all.
I found this https://secure.ssa.gov/poms.nsf/lnx/0300605364
that seemed to help (a table from social security on how they value lump distributions-seems very generous (aka I wish I...
Forum: FIRE and Money 01-29-2017, 03:09 PM
Replies: 13
Views: 1,834
Posted By newtoseattle
? WEP - no pension

I worked for the California University system for several years. They did not contribute to social security but put money into a ?403k? I don't even remember what the account was. I also made some...
Forum: FIRE and Money 11-18-2016, 10:24 PM
Replies: 20
Views: 2,182
Posted By newtoseattle
thank you all for your responses. I've tried to...

thank you all for your responses. I've tried to download the calculator before.
on the site it says-

"Note that this Mac version will not work on a Mac running Lion or newer versions of the OS X...
Forum: FIRE and Money 11-17-2016, 06:11 PM
Replies: 20
Views: 2,182
Posted By newtoseattle
maybe clearer?

sorry -
realized that was completely incomprehensible.

so let me try with numbers

last year I guesstimated by eventual social security as
(118000* # of yrs worked)divided by 420=AIME

this...
Forum: FIRE and Money 11-17-2016, 05:37 PM
Replies: 20
Views: 2,182
Posted By newtoseattle
social security guesstimate

Hello
I have a MacBook and so the detailed social security calculator from the government site doesn't work for me.

Most of my social security contributions are in years I've made the max...
Forum: FIRE and Money 10-26-2016, 09:53 AM
Replies: 55
Views: 9,628
Posted By newtoseattle
? capital gains distributions

A bit off topic, but I think I see the hypothetical 200K in Wellesley and Wellington would have distributed about 12000$ in capital gains and actually ended the year down a couple thousand.

Is...
Forum: Travel Information 07-04-2016, 10:17 AM
Replies: 53
Views: 2,888
Posted By newtoseattle
naples

Have to say - I really like Naples. The subway system is finally workable and very nice. The plaza's and museums are great. I went on a wonderful food tour that we arranged at the last minute and it...
Forum: FIRE and Money 06-29-2016, 02:13 PM
Replies: 89
Views: 8,617
Posted By newtoseattle
Thank for everyone's thoughts. I certainly...

Thank for everyone's thoughts.
I certainly agree with just raising or eliminating the cap - I think I've read that will fix approx 70% of the deficit right there.

But, for me personally - I've...
Forum: FIRE and Money 06-28-2016, 08:45 PM
Replies: 89
Views: 8,617
Posted By newtoseattle
social security proposal

Wondered if anyone saw the Steve Vernon's column about another group's proposals to shore up social security. The part that really caught my eye - b/c I hadn't seen this proposed before - was
...
Forum: FIRE and Money 04-22-2016, 12:18 PM
Replies: 15
Views: 1,125
Posted By newtoseattle
Harvesting capital gains/losses

Ok. So I thought I was getting really clever by figuring out the harvesting of capital losses and I exchanged my broad international stock fund for a similar but actively managed fund about a month...
Forum: Other topics 03-06-2016, 02:37 PM
Replies: 6
Views: 741
Posted By newtoseattle
bracelet an excellent idea

Yes - most will ignore some piece of paper until there is family (or patient) can confirm that indeed that is their wishes. People change their mind frequently and there are often nuances that the...
Forum: FIRE and Money 02-28-2016, 10:19 AM
Replies: 23
Views: 2,333
Posted By newtoseattle
depreciation and real estate

Sorry to add on to this post - but I think relevant. We rented out our house the first year we owned it.

No idea when/if we'll sell at some point, but I've kind of been assuming the federal tax...
Forum: FIRE and Money 02-26-2016, 09:32 AM
Replies: 175
Views: 18,408
Posted By newtoseattle
bonds and dividends

Seems silly I don't know - but I was looking at year end tax stuff and I had never realized that bond funds also pay a dividend. I had thought that was just stocks.

When people talk about lower...
Forum: FIRE and Money 02-10-2016, 11:20 AM
Replies: 175
Views: 18,408
Posted By newtoseattle
yes - I think you are correct. It does not...

yes - I think you are correct. It does not account for sequence of return risk. (But, of course, the premise of the discussion was that the next 15 years would have the 2% real return)
Forum: FIRE and Money 02-10-2016, 11:03 AM
Replies: 175
Views: 18,408
Posted By newtoseattle
table of "real" returns needed

I copied and pasted a table below (from early retirement extreme blog site- I hope that is not poor etiquette for blogging - not trying to "steal" anyone's hard work). rows are your net worth (i.e....
Forum: Health and Early Retirement 12-21-2015, 07:14 PM
Replies: 8
Views: 1,149
Posted By newtoseattle
thanks to all

thank you for responses - MBMC link really did answer question directly (I didn't find that when I tried googling it!)
Basically wouldn't have to pay anything back, but also wouldn't get any refund...
Forum: Health and Early Retirement 12-20-2015, 11:21 AM
Replies: 8
Views: 1,149
Posted By newtoseattle
actually asking if actual income is below estimated

Thank you - but actually asking what I think is a bit more complicated. In states that expanded medicaid you are not eligible for aca assistance if you are eligible for medicaid - i.e. your income is...
Forum: Health and Early Retirement 12-20-2015, 10:32 AM
Replies: 8
Views: 1,149
Posted By newtoseattle
? lose ACA subsidy if below fpl?

Was trying to help a friend. Wanted to keep her above medicaid level but otherwise as low as possible. I might have overshot the IRA contribution and gotten her below the approx 16,300$ threshold for...
Forum: FIRE and Money 12-09-2015, 11:20 AM
Replies: 14
Views: 1,950
Posted By newtoseattle
My "safe" savings is the flexible premium annuity...

My "safe" savings is the flexible premium annuity from USAA. Locks up your money, but a bit higher than a CD.
I understand that the payout from a SPIA includes return of principle. But in reading...
Forum: FIRE and Money 12-08-2015, 01:28 PM
Replies: 14
Views: 1,950
Posted By newtoseattle
spia now or later

On a different note - I've been looking at SPIA for myself and early retirement. I used immediate annuities.com and vanguard's site. For each year I put off buying the spia it gave .04% more income...
Forum: FIRE and Money 11-17-2015, 09:33 PM
Replies: 8
Views: 730
Posted By newtoseattle
thanks for the replies

thank you for the replies. I didn't realize about the dividend reinvestment and wash sales - I'll make sure to stop the automatic reinvestment...

Always learn something from the folks here...
...
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