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Forum: FIRE and Money 07-16-2017, 02:57 PM
Replies: 168
Views: 17,453
Posted By Refresher
If you were already taking SS and you knew your...

If you were already taking SS and you knew your other incomes which calculator would you use to run various scenarios?
ie. SS is 24,000 per yer, pension is 6,000, rental income 6,000
How would you...
Forum: FIRE and Money 05-23-2017, 12:27 AM
Replies: 38
Views: 3,797
Posted By Refresher
Everyday what your stuff is valued at can be...

Everyday what your stuff is valued at can be converted to real money. If you $20 stock is now $15 you lost $5 whether you sell it or hold it. Selling is only a tax consequence the money is the same...
Forum: FIRE and Money 05-22-2017, 09:48 PM
Replies: 38
Views: 3,797
Posted By Refresher
I don't get this. Whats the difference if you...

I don't get this. Whats the difference if you sold equities in a down market (even if it is at a loss) or used the cash you never used to buy the in the first place. Its all the same money.
Forum: FIRE and Money 05-10-2017, 01:02 PM
Replies: 2
Views: 1,303
Posted By Refresher
Vanguard has an annuity where you deposit x...

Vanguard has an annuity where you deposit x amount and invest it in the funds offered or even money market. The ongoing balance reflects the performance. Is this asset protected before you annuitize...
Forum: FIRE and Money 05-09-2017, 01:01 PM
Replies: 64
Views: 4,730
Posted By Refresher
? Maybe but that's a different issue. The point...

? Maybe but that's a different issue. The point is you appeared to have $1m the lawsuit takes everything you appear to have but in reality you never had that much due to taxes generated by the sale...
Forum: FIRE and Money 05-08-2017, 02:43 PM
Replies: 20
Views: 1,794
Posted By Refresher
If your single an don't need it why take it now? ...

If your single an don't need it why take it now?
It's highly unlikely but something can happen to your current portfolio.

If you wait you will have a bigger check.
If you leave this world...
Forum: FIRE and Money 05-08-2017, 02:28 PM
Replies: 64
Views: 4,730
Posted By Refresher
If an estate leaves 100k in face value ibonds...

If an estate leaves 100k in face value ibonds currently worth 150k where an inheritance tax is due, the tax is due on 150K. If the estate liquidated them the day before and paid the tax it may be...
Forum: FIRE and Money 05-08-2017, 02:13 PM
Replies: 64
Views: 4,730
Posted By Refresher
WOW;) The deal is if a person has that...

WOW;)

The deal is if a person has that hypothetical $1m portfolio and looses a lawsuit (post #8) he really doesn't have $1m to deliver. His case should be I can liquidate pay the IRS and that's...
Forum: FIRE and Money 05-08-2017, 10:51 AM
Replies: 64
Views: 4,730
Posted By Refresher
Actually we do know the rate. If you had to raise...

Actually we do know the rate. If you had to raise all the money you can today you would sell everything to get a cash figure. Your tax is determined by this years bracket on all taxable money. That...
Forum: Technology, Media & e-Gadgets 05-07-2017, 06:02 PM
Replies: 75
Views: 4,664
Posted By Refresher
What type of phone do you use or recommend?

Been hearing alot about the new Iphone 8 it will probably cost a ton. I currently use a 6plus. Seems like the Samsung's are even more popular as many people say they prefer the Android system.
What...
Forum: FIRE and Money 05-07-2017, 04:05 PM
Replies: 64
Views: 4,730
Posted By Refresher
LV seems real. On any given day the current value...

LV seems real. On any given day the current value of everything you own minus any expenses including taxes owed on that amount is what you have.
Forum: FIRE and Money 05-07-2017, 03:56 PM
Replies: 64
Views: 4,730
Posted By Refresher
Interesting, if you have that hypothecial $1m and...

Interesting, if you have that hypothecial $1m and lost a lawsuit for $1m you woud need to sell everthing and turn over the money. At tax time you would report the 401k/IRA withdrawals and the gains...
Forum: FIRE and Money 05-07-2017, 02:06 PM
Replies: 64
Views: 4,730
Posted By Refresher
OK I get the formula but if for whatever reason...

OK I get the formula but if for whatever reason in this situation if you had to come up with $1 mill today you would be in debt over 100k.
Forum: FIRE and Money 05-07-2017, 01:43 PM
Replies: 64
Views: 4,730
Posted By Refresher
Do you calculate taxes due in your net worth?

Probably numerous ways to figure out how much money you have but do you think calculating future taxes due is most realistic to get today's NW number. If 50% of 1 mill is in 401k/IRA and 20% is...
Forum: Stock Picking and Market Strategy 05-04-2017, 02:16 PM
Replies: 67
Views: 6,081
Posted By Refresher
If you make a profit its a gain at you cap gain...

If you make a profit its a gain at you cap gain rate. 28% is max rate.
Forum: Stock Picking and Market Strategy 05-04-2017, 02:01 PM
Replies: 67
Views: 6,081
Posted By Refresher
I think a lump sum to a variable annuity would...

I think a lump sum to a variable annuity would work until you annuitize.
You can store physical cash or gift cards if you dont expect any appreciation.
Forum: FIRE and Money 05-01-2017, 01:35 PM
Replies: 81
Views: 6,984
Posted By Refresher
There telling us something

There telling us something
Forum: FIRE and Money 05-01-2017, 01:07 PM
Replies: 81
Views: 6,984
Posted By Refresher
If you look at the US Debt Clock.org it values...

If you look at the US Debt Clock.org it values gold at $7315 and silver at $885. Not sure why it states this. OP you may want to buy today, silver is down 40 cents right now.
Forum: Health and Early Retirement 03-07-2017, 06:50 PM
Replies: 411
Views: 27,401
Posted By Refresher
Good question, I'd like that answer too ...

Good question, I'd like that answer too

Seems like not much is really changing for 3 years which in politics can be like 100 years of nothing accomplished.
Forum: Health and Early Retirement 03-07-2017, 06:02 PM
Replies: 411
Views: 27,401
Posted By Refresher
I'm not understanding all the news about low...

I'm not understanding all the news about low income people losing insurance when the subsidy changes are minimal for 2 or 3 more years.
Forum: Health and Early Retirement 03-07-2017, 03:37 PM
Replies: 411
Views: 27,401
Posted By Refresher
How? If your income is 15k a year and your...

How?
If your income is 15k a year and your premiums are 1k a month under the new plan with the 4k tax credit your paying 8k a year which is 53% of income. How does the 11.5% figure in?

If your...
Forum: Health and Early Retirement 03-07-2017, 11:19 AM
Replies: 411
Views: 27,401
Posted By Refresher
I heard the current subsidies will be phased out...

I heard the current subsidies will be phased out over 3 years? What does that mean. Will a current subsidy of $500 remain for the next 3 years or maybe slowly be reduced ($400 for the rest of 2017,...
Forum: Health and Early Retirement 01-15-2017, 07:00 PM
Replies: 75
Views: 5,569
Posted By Refresher
Check out You Tube A message from Steven...

Check out You Tube
A message from Steven Molyneux 100 day wait in Canada for an MRI
Forum: Health and Early Retirement 01-15-2017, 06:19 PM
Replies: 32
Views: 2,592
Posted By Refresher
It is unlikely insurance will not be able to be...

It is unlikely insurance will not be able to be purchased with pre existing conditions. Even prior to the ACA there were risk pools. And states like NY, NJ, and others took everyone. Not even age...
Forum: Health and Early Retirement 01-15-2017, 06:07 PM
Replies: 32
Views: 2,592
Posted By Refresher
Wow, I can't imagine how going uninsured or...

Wow, I can't imagine how going uninsured or moving out of the US can be a possibility as a result of lost subsidies. And concluding I can't afford it really shouldn't apply because the cost of...
Showing results 1 to 25 of 129

 
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