Search results

I’ve referenced this site https://thefinancebuff.com/medicare-irmaa-income-brackets.html#htoc-2024-irmaa-brackets for this discussion. Please confirm my understanding. If I have 2022 earnings of $202,001 then I would go to the next IRMAA tier in 2024 and pay the increased Plan B premium in...

For quite sometime I've been able to use an IMPORTXML function within my google sheet. The exact function is... =IMPORTXML(concatenate("http://performance.morningstar.com/perform/Performance/fund/trailing-total-returns.action?&t=",":","VBIAX"), "//table/tbody[1]/tr[1]/td[5]")/100 ...where it...

Hi, For our income estimation for 2022 we could be either $60K or $220k (in previous years it has been around $60k). The reasons are around the possibility of buying a new house next year with IRA funds, or not finding the right house and staying put another year. Given current housing market a...

Every year I lower my AGI by putting money in an HSA. I just went on Medicare and have funded my HSA to the max. My wife's still needs $3600 to max hers out. I'm a little short on additional funds to put in her HSA this year. So I'm thinking... 1. Take $3600 out to pay for some of the...

I am trying to pull the dividend and dividend dates using google sheets for mutual funds. The commands are a) =googlefinance(B7,"incomedividend") b) =googlefinance(B7,"incomedividenddate") where B7 is the fund letters. Let's say for example VTSAX. The results I'm getting are a) $.35 b)...

Is anyone else here not able to use the googlefinance functions within google sheets? All my cells that try and return results from google finance report: "When evaluating GOOGLEFINANCE, the query for the symbol: 'VBIAX' returned no data." TIA

Hi, In exploring options to simplify I'm considering W&W. This may be a good option for me in my Vanguard holdings, but I was wondering if anyone knows of something comparable in the Fidelity funds?

The thread on Wealthfront got me to thinking about interest rates, especially between tax deferred (IRA or Roth IRA) and after tax accounts. I'm pretty sure it depends on your tax rate, but as a rule of thumb is there a difference between rates where it doesn't make sense to move money (or...

For most of my early retirement I have not had to sell anything from my mutual funds or bond funds. I've been able to live off of after tax investments and do yearly Roth conversions. This year I most likely will need to start taking some money from my IRA/401-k investments. Over the years I've...

I'm trying to play with H&R Block software for the first time (previous years using accountant) and when it comes to filling out the info from a 1095-A form it wants SLCSP. Is there somewhere I can get this information for 2018? In my yearly analysis of determining what plan to purchase I...

Hi, This question is related ACA and how much MAGI to claim when filing taxes MFJ and one person turns 65. When the older person turns 65 (then goes on Medicare) and the spouse is 2 years younger (for example), is the restriction to stay below ~$64k/yr still applicable in order to receive...

I will be using an HSA for the first time next year. For me the funding will be after tax dollars and itemized on my tax returns for 2018. As I am starting to think about next years budget though I am not sure how to categorize HSA funding. Do you consider it a medical expense? Or do you...

Hi, I recently went to see my fee only adviser. I do this every couple of years to get input. I think she struggles with my low ER philosophy, but I usually get a nugget or two that is worth the review. My current portfolio consist of my old 401k, IRA and Roth. My wife just has IRA and Roth. I...

Hi, We have never had an HSA, but are considering it this time around. I'm trying to determine the pro's and con's for us. The two ACA Bronze options are $200/mo difference. The one that is NOT HSA eligible is $200/mo less than the HSA eligible one. We plan on trying to hit the $60k mark for...

Hi, For this year I can either max out on a Roth conversion to hit the AGI number I use for ACA, or I can also utilize captial gains to accomplish this. What I am wondering if there is any advantage to one way or the other. Here is some information. I have 12% of my retirement holdings as a...

Hi, 2017 is my first year on ACA. So last December when ACA wanted to know how much I expected to make this year I said $60k, knowing I would use Roth conversions to adjust to that number. Also, knowing that if I went any higher subsidies disappear, although I'm not sure at exactly what amount...

Hi, Starting next year I will be taking dividends, cap gains and some regular withdrawals from my funds. I would like to figure out my overall portfolio performance using XIRR, but for the life of me I am struggling with it. I would like to get a YTD performance number. I put together a few...

Hi, For the past 3-4 years we have been able to live off of our after tax monies. These funds are now getting low enough that I need to reach into my IRA/401k buckets. When I did a recent review of my holdings I realized that it throws off dividends and capital gains. Given I never really...

Hi, I was just looking at the dividend distribution for this fund and noticed an additional dividend almost 6X what is usual (.027 to .162 per share). Does anyone know a reason for this? I don't see it happening last year at this time. Thanks, Bob

I have a 1st class problem potentially. I would classify myself as retired but my previous employers have requested my services on a short term contract basis occasionally. At the beginning of this year I had no contract and none to be expected. In January I liquidated some positions and...

Hi, We are traveling to NYC for the 4th of July fireworks. We will be staying at the Andaz Wall Street hotel (Water & Wall Street intersection). I'm wondering if anyone has advice on where to go in order to have the best view of the fireworks that are within walking distance of the hotel. Bob

Hi all. I received notice from my old company that there are changes coming to my pension. Nothing stays the same I guess. I am 58 and figured on taking pension sometime between 62 (~42k/yr) and 65 (~$52k/yr). I'm currently retired and have after tax funds to last to that age range. The...

Hi, I am 57 and retired recently. I have left my 401(k) with my old employer but now feel it is time to make some adjustments. I want to start with a rollover of my bond allocation which is in LT Bond Fund and ST Bond Fund. For my 401(k) that is all I have available to invest in for bonds, plus...

HI, I looked around but couldn't find it. Are there any recommendations for books on strategies for withdrawing monies needed during retirement? I feel like I have put so much focus on how to accumulate funds and now I need to be sure I can get educated on the withdrawals of funds effectively. TIA

Your Job Might Be Killing you... Your job might be killing you - Fortune Management One more reason to attain balance in life or Retire Early.