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Search: Posts Made By: niven
Forum: Health and Early Retirement 10-22-2020, 10:26 PM
Replies: 94
Views: 7,061
Posted By niven
Our ACA bronze plan premium went down 2.6% from...

Our ACA bronze plan premium went down 2.6% from 2019 to 2020. I just got information from the insurer that the premium for 2021 will be another 4% lower next year for the same plan.
Forum: Forum Admin 07-24-2020, 02:57 PM
Replies: 10
Views: 1,048
Posted By niven
I would guess the VPN. The IP addresses the VPN...

I would guess the VPN. The IP addresses the VPN uses to connect are probably on a poor reputation list that Cloudflare uses.
Forum: FIRE and Money 03-19-2020, 10:52 AM
Replies: 11
Views: 778
Posted By niven
No, that doesn't look right. I don't see how you...

No, that doesn't look right. I don't see how you could qualify for an ACA plan with subsidy and be totally in the 22% Federal tax bracket, but I may be wrong about that. Also, self employment taxes...
Forum: FIRE and Money 01-16-2020, 04:50 PM
Replies: 13
Views: 1,407
Posted By niven
+1 The limits haven't been changed since...

+1

The limits haven't been changed since being implemented in 1983.

And then they added the 85% taxable limits in 1993, which haven't changed either.
Forum: FIRE and Money 12-23-2019, 04:57 PM
Replies: 10
Views: 788
Posted By niven
Yeah, I've now ran it through H&R Block and got...

Yeah, I've now ran it through H&R Block and got the same. I've always looked at it as the LTCG brackets are reduced by the ordinary income amount, so eventually there's nothing left in the 0% bracket.
Forum: FIRE and Money 12-23-2019, 04:47 PM
Replies: 10
Views: 788
Posted By niven
Sorry, brain seizure! :facepalm:

Sorry, brain seizure! :facepalm:
Forum: FIRE and Money 12-23-2019, 04:31 PM
Replies: 10
Views: 788
Posted By niven
If you have $42,000 of income taxed at ordinary...

If you have $42,000 of income taxed at ordinary rates after the standard deduction, you only have $78,750 - $42,000 = $36,750 left of 0% LTCG. The remaining $53,250 of $90,000 would be taxed at 15%...
Forum: FIRE and Money 12-18-2019, 08:02 PM
Replies: 16
Views: 1,083
Posted By niven
Sorry, I should have been more specific. It's a...

Sorry, I should have been more specific. It's a limited sets of cases where less than $12,000 in SS won't work.

For example:

If the provisional income is $45,000 and the SS is $10,000, the...
Forum: FIRE and Money 12-18-2019, 05:43 PM
Replies: 16
Views: 1,083
Posted By niven
That will work as long as their combined Social...

That will work as long as their combined Social Security is not less than $12,000. I'll admit that is probably not true for most MFJ's, but I'm OCD about numbers. :laugh:
Forum: FIRE and Money 12-18-2019, 02:18 PM
Replies: 16
Views: 1,083
Posted By niven
It's probably more complicated than should be put...

It's probably more complicated than should be put into a single formula, but the calculations for married filing jointly are:

1. Calculate your provisional income (AGI + tax-free interest + 1/2...
Forum: FIRE and Money 11-28-2019, 08:53 PM
Replies: 34
Views: 2,419
Posted By niven
Schedule C is in the 2019 Deluxe version the same...

Schedule C is in the 2019 Deluxe version the same as previous years. It's true I don't see the C-EZ form anymore as someone mentioned it's been dropped by the IRS, but I was asked about...
Forum: FIRE and Money 11-12-2019, 03:50 PM
Replies: 16
Views: 1,181
Posted By niven
No, you cannot use the standard deduction to...

No, you cannot use the standard deduction to reduce your ACA income for subsidies.

Also FYI, the full amount of Social Security is used for ACA income calculations, not just the taxable portion.
Forum: Young Dreamers 03-09-2017, 03:34 PM
Replies: 31
Views: 4,820
Posted By niven
I'm going back to work this month after about a...

I'm going back to work this month after about a year-long sabbatical. I'm 55 and work in IT, so I guess I'm unusual in doing this. I quit the old mega-corp job last year and I'm going to work for a...
Forum: FIRE and Money 02-19-2017, 02:29 PM
Replies: 50
Views: 5,833
Posted By niven
There's a "HIDE MINI WS" button when you are...

There's a "HIDE MINI WS" button when you are looking at forms like the 1040.
Forum: Other topics 01-21-2017, 10:37 PM
Replies: 89
Views: 4,895
Posted By niven
Sorry to hear about your CRV troubles. We still...

Sorry to hear about your CRV troubles. We still have a 2000 CRV, two 2005 CRVs and a more recent 2015 CRV in our families. None of the older ones have experienced the issues you've had. Only the 2000...
Forum: Other topics 01-15-2017, 04:31 PM
Replies: 16
Views: 944
Posted By niven
Based on that, I'd personally replace the router...

Based on that, I'd personally replace the router as the next step. If you buy something locally like an inexpensive but usually reliable TP-Link Archer 802.11ac router and your problem goes away,...
Forum: Other topics 01-15-2017, 03:03 PM
Replies: 16
Views: 944
Posted By niven
Do you have any other wifi devices, and if so,...

Do you have any other wifi devices, and if so, are they losing their connection so often? I assume not, or you would have mentioned them. I've seen wifi routers/APs start developing hardware...
Forum: Technology, Media & e-Gadgets 01-13-2017, 02:31 PM
Replies: 339
Views: 37,716
Posted By niven
Umm, 1980's not 1960's. :laugh:

Umm, 1980's not 1960's. :laugh:
Forum: FIRE and Money 12-20-2016, 06:33 PM
Replies: 96
Views: 12,557
Posted By niven
+1 I don't know why so many present it as 62 or...

+1
I don't know why so many present it as 62 or 70 only. While I would like to wait until 70, I'll start when I decide the time is right since I can't see into the future very well.
Forum: Other topics 12-01-2016, 02:00 PM
Replies: 18
Views: 1,216
Posted By niven
Obviously, the worst example of FIRE is Tiny Tim....

Obviously, the worst example of FIRE is Tiny Tim. Slacker! Bah Humbug!
Forum: Health and Early Retirement 11-29-2016, 09:04 PM
Replies: 154
Views: 11,690
Posted By niven
I see the tax credit is listed as refundable. Am...

I see the tax credit is listed as refundable. Am I reading it right that it is per insured as well? So for a couple over 50, the credit would be $6000?
Forum: Health and Early Retirement 11-23-2016, 01:29 PM
Replies: 24
Views: 2,674
Posted By niven
Have you actually checked what the price of your...

Have you actually checked what the price of your meds would be under the Part D you're looking at? Perhaps the price of your meds would be substantially cheaper and bring the total cost down closer...
Forum: Health and Early Retirement 11-15-2016, 12:07 PM
Replies: 31
Views: 2,238
Posted By niven
In my case, I'd had these extremely painful...

In my case, I'd had these extremely painful events more times than I could count over years, and my doctor kept telling me it was acid reflux. Finally they said "hey, it might be gallstones!" and the...
Forum: Health and Early Retirement 11-15-2016, 12:22 AM
Replies: 31
Views: 2,238
Posted By niven
I had mine out 4 years ago. It was an outpatient...

I had mine out 4 years ago. It was an outpatient procedure and I worked from home afterwards. No real problems except when my wife was driving me home. I'd drank some water after waking up but on the...
Forum: Health and Early Retirement 11-12-2016, 01:23 PM
Replies: 550
Views: 38,118
Posted By niven
Right, but it might have to be some tax on all...

Right, but it might have to be some tax on all income, not just earned income. And as NW-Bound kept saying, we need ways to control and hopefully reduce the cost of healthcare as well.
Showing results 1 to 25 of 93

 
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