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Wow, sounds like I got an overpriced quote for Umbrella insurance from Progressive in Illinois. I was just quoted $323/yr for $1M and $536/yr for $2M, and we have auto (1-car) and renters insurance with them *and* we haven't been in any accidents or gotten any tickets, *and* we have excellent...

That's right, we paid $1,226 in foreign taxes on our international stock mutual funds. We had a combination of foreign and U.S. income. Thank you, I see that now. Thanks, yes, that's pretty relevant thread to my question on 3b, I'll head over to Bogleheads.

TT computes a foreign tax credit about $100 less than H&R Block, and so a federal refund about $100 less as a result. I'm registered over there, thanks for the direction!

Hi everyone, I'm hoping you can advise directly, or point me to an early-retirement.org equivalent forum for tax questions. This year I've run our numbers on both H&R Block (H&R) and TurboTax (TT) online tax software. (I know, but hey, I've got a lot of time these days!) Thanks to our lower...

True, each of those $10k sales would generate gains. That could be a painful first tax year! I had a couple cocktails before writing this, I knew there was a flaw I wasn't seeing, haha. Yes, I guess I'd call it "selling shares for income flow", or whatever living expenses you'd like to...

Let's say you are retired and not producing any new earned income and so are not contributing to your savings (your taxable investment account specifically) and so are not buying any new mutual fund or ETF shares at a new cost basis. Over time, the lots you bought years ago have (hopefully)...

I'm having trouble finding on the internet anyone that explains what happens with ACA CSRs (cost sharing reductions) when you have mid-year income change? Plenty is written about ACA subsidies changing, but what about CSRs that come with Silver plans if your income is low enough? My wife is...

TOMORROW! 6/1 Home > Athens ✈ 6/3 Athens > Santorini ✈ 6/9 Santorini > Madrid ✈ 6/12 Madrid > Barcelona ? 6/15 Barcelona > US ✈ I found the flights to Athens and home from Barcelona for 60,000 miles + $46.76 each for my wife and I. The two other local flights and first class seats on the...

Hi everyone, I'm helping a couple friends get started with investing and I'm looking for evidence that the broad stock market has historically produced higher returns than other investments over long time periods (15+ years). But I can't find any recent (past couple of years) articles or charts...

Retirement involves hypothesizing about what the decades ahead will bring, whether it be about healthcare costs, inflation, social security benefits, income and capital gains taxes, etc. I hope discussions and opinions will continue to be allowed about these RE-influencing topics before bills...

I completely agree, but ... today with International companies on fire sale, maybe skew a little that way to take advantage!

Thanks for all the "congrats!" and questions! Even though you are kidding, it's a great question; I'm not sure, but now I'll have time to find out! In the volunteering space, I'm looking to leverage my corporate experience to help returning veterans and the disadvantaged with their resumes...

Flights: Google Flights - super-fast and super-powerful, especially if you have flexible travel dates like we do (tip: use its Save feature to save one-way flights you like and track their price changes over time, be patient, they will fall!) Twitter - I follow and get notifications on my...

Congrats! Can you share advice on how to retire in Hawaii? Like how to find an affordable long-term rental? We go there for a week every five years as a treat and would lovvvvve to spend longer.

Last Wednesday - June 8th, 2016 - was my last day of work at Mega Corp, and June 9th was my first day of retirement. I am 41. I just looked back at a few of my earlier posts on this forum: - In April 2013, I posted...

I'm probably not looking at this the right way, but I don't understand what my annual living expenses have to do with my question. Can you help me understand? I'm just thinking about this one $5,500 pot of money that I will keep in my HSA investment account where $36/year will be charged. (I...

Hopefully other readers' HSA plans have that benefit, too, but unfortunately mine (UMB) does not appear to waive fees at an certain level of assets. https://hsa.umb.com/groups/public/documents/web_content/054063.pdf

Thanks, Senator, I was not aware of that clause, but it makes sense. I do plan on retiring this year, so this is very much a real concern with my January front-loading. So it sounds like when I leave my employer, I need to either: (a) request that my plan administrator (UMB) remove my excess...

Panthers 24, Broncos 19 That's it, you already know the outcome now, don't even bother watching the game. ;)

Hi! 2016 is the first year my employer offered an HSA with a HDHP and we chose it because we are relatively young and healthy (knock wood) and the tax efficiency is great. The HSA fund adminstrator (UMB) charges $3/month ($36/year) to invest HSA funds and my employer covers that fee for its...

Hi! 2016 is the first year my employer offered an HSA with a HDHP and we chose it because we are relatively young and healthy (knock wood). A question about the HSA - I see that I am able to deposit the full year's contribution into the HSA directly via wire-transfer instead of them taking a...

I posted a similar question a few months back and Animorph attached a spreadsheet that he created that I expect to use when I RE. http://www.early-retirement.org/forums/f28/tax-on-roth-conversions-vs-tax-on-rmds-76741.html#post1580319

- My DW handed in her resignation last Tuesday at age 42. She'll be retired in June! - I'm strategizing on how I can convince my bosses to lay me off from Mega Corp - at age 40 - to get the year's severance that I'd be entitled to. If that doesn't work by next spring, I'll let that dream go...

Very impressive and helpful, thank you. If that's your "Simple" version, I'd hate to see your "Complex" version! Sent from my HTC6525LVW using Early Retirement Forum mobile app

Hi Beachgrl, my wife and I are 40-somethings living in NYC, too. DW - the lucky one - is handing in her resignation in a matter of days (!), while I'll probably continue for one more year. Have you read this? Reader Financial Review: Escape From New York - Go Curry Cracker!Go Curry Cracker...