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Forum: Travel Information 10-16-2018, 11:29 AM
Replies: 81
Views: 5,077
Posted By kramer
As safety advice, I reiterate what some other...

As safety advice, I reiterate what some other posters have said about getting into the property. A few months ago, we rented a nice 2 bedroom AirBnB in a nice part of Barcelona, Spain. Our flight...
Forum: Other topics 09-21-2018, 05:24 AM
Replies: 113
Views: 5,802
Posted By kramer
I am with the group that at least the parent has...

I am with the group that at least the parent has to try ... I know sometimes it just can't be helped. It's when the parent doesn't really care that it's most annoying.

Anyway, in a few years,...
Forum: Hi, I am... 07-20-2018, 06:48 PM
Replies: 7
Views: 1,208
Posted By kramer
Hi Tam, which season do you stay in which place? ...

Hi Tam, which season do you stay in which place? The North American winter months in Bali can be quite rainy. Although I have heard there are air quality problems at times in the summer. I have...
Forum: Health and Early Retirement 07-20-2018, 06:45 PM
Replies: 739
Views: 83,598
Posted By kramer
I was in the US recently for a few weeks and the...

I was in the US recently for a few weeks and the fifth pharmacy that I contacted had it in stock ... I almost fainted when they said they had it as I had already basically given up (a CVS Pharmacy in...
Forum: FIRE and Money 05-14-2018, 10:28 PM
Replies: 99
Views: 8,383
Posted By kramer
Yes, you have to apply it to your specific...

Yes, you have to apply it to your specific situation and look at tax rates after RMDs and social security versus the period between when your wife stops working and RMDs/SS.

But I can feel you on...
Forum: Other topics 05-13-2018, 04:29 AM
Replies: 16
Views: 976
Posted By kramer
Way back in the 90's we played around with this...

Way back in the 90's we played around with this stuff at the AI company for which I was working as a young engineer. We had it call our receptionist and ask to speak to us (one of the engineers),...
Forum: FIRE and Money 04-22-2018, 09:28 AM
Replies: 95
Views: 25,553
Posted By kramer
I am early 50's, retired, with a mix of around...

I am early 50's, retired, with a mix of around 67% taxable, 26% IRA, and 7% Roth. Delaying SS until age 70. I started Roth conversions a few years ago. Since I retired, I have used up the whole...
Forum: Life after FIRE 04-20-2018, 11:38 AM
Replies: 60
Views: 6,862
Posted By kramer
Thanks, Jake, I found the forms very useful. You...

Thanks, Jake, I found the forms very useful. You are right, they are not very specific on income/savings requirements, so you probably have to go by people posting about their experiences, it seems...
Forum: Life after FIRE 04-20-2018, 03:43 AM
Replies: 60
Views: 6,862
Posted By kramer
Thanks for your post. It's timely for me as I am...

Thanks for your post. It's timely for me as I am headed for a 5 week long vacation in Spain starting next month (but not Valencia so I won't be able to report to you on that) and I also speak decent...
Forum: Other topics 02-10-2018, 04:29 AM
Replies: 56
Views: 3,460
Posted By kramer
Fantastic weather here in the Philippines ... and...

Fantastic weather here in the Philippines ... and lovely evenings, also. Just had a great 5K run followed by a vigorous frisbee session that took whatever energy I had remaining.

Re: Mexico
I...
Forum: Travel Information 02-07-2018, 09:09 AM
Replies: 14
Views: 1,284
Posted By kramer
Can I ask why you want to explore Japan with a...

Can I ask why you want to explore Japan with a tour group as opposed to individual travel?
Forum: Health and Early Retirement 01-28-2018, 08:10 AM
Replies: 39
Views: 2,591
Posted By kramer
The main trend I noticed for my readings is that...

The main trend I noticed for my readings is that it is lower after exercise. My readings don't have the wide range that some seem to have here ... more like a top number range of 20 max with an...
Forum: Young Dreamers 01-25-2018, 02:44 AM
Replies: 87
Views: 9,703
Posted By kramer
Same situation for me ... in fact, I have never...

Same situation for me ... in fact, I have never really even considered owning a place my whole life up to this point. I did buy my first refrigerator a few years ago when I moved into my present...
Forum: FIRE and Money 01-22-2018, 06:26 AM
Replies: 68
Views: 7,113
Posted By kramer
I just wanted to say thanks for the discussion on...

I just wanted to say thanks for the discussion on this thread ... I tried to read it with an open mind and now you just about have me committed to convert to the top of the 24% bracket this year :) ...
Forum: FIRE and Money 01-18-2018, 06:05 AM
Replies: 69
Views: 6,753
Posted By kramer
Thanks for linking this article .... it was well...

Thanks for linking this article .... it was well worth a read (dated 2014) and it turned out to be prescient with respect to tax reform this year.

To quickly summarize for those who haven't read...
Forum: FIRE and Money 01-18-2018, 03:29 AM
Replies: 42
Views: 2,768
Posted By kramer
yeah, even for large gifts, the giver fills out a...

yeah, even for large gifts, the giver fills out a tax form which reduces their lifetime estate tax exemption ... so they don't pay tax on it currently until over 5 million or whatever. But each gift...
Forum: Life after FIRE 01-17-2018, 07:46 AM
Replies: 94
Views: 8,429
Posted By kramer
I am single and I retired at age 41 in April,...

I am single and I retired at age 41 in April, 2007. My asset allocation was 65/35 with more in emerging markets than I wanted because I had big gains in the Vanguard taxable EM index fund that I...
Forum: Travel Information 01-14-2018, 11:03 AM
Replies: 22
Views: 2,213
Posted By kramer
If you are a guy, what exactly is a spa for? I...

If you are a guy, what exactly is a spa for? I really have no idea.
Forum: FIRE and Money 01-13-2018, 01:39 AM
Replies: 10
Views: 1,762
Posted By kramer
The capital gains taxes are not changed by the...

The capital gains taxes are not changed by the new tax law. In your example of married couple with long term capital gain of 600K ... he would pay 0% on first 77K, 15% from 77K to 479K and 20% from...
Forum: FIRE and Money 01-09-2018, 11:05 AM
Replies: 68
Views: 7,113
Posted By kramer
For a pretty easy to use spreadsheet to calculate...

For a pretty easy to use spreadsheet to calculate your potential marginal rates at tax bomb time, select the Marginal Tax Rates spreadsheet to see a description and download:

Bob Hinkley...
Forum: FIRE and Money 01-09-2018, 06:15 AM
Replies: 68
Views: 7,113
Posted By kramer
Thanks for noting that ... it doesn't really...

Thanks for noting that ... it doesn't really affect me as a single as the 3.8% surcharge kicks in at $200K which is above the top of the 24% individual tax bracket which tops out at $157.5 ......
Forum: FIRE and Money 01-08-2018, 08:21 AM
Replies: 68
Views: 7,113
Posted By kramer
good info here:...

good info here: https://www.kitces.com/blog/irmaa-medicare-part-b-part-d-premium-surcharges-new-2018-magi-thresholds/
Forum: FIRE and Money 01-08-2018, 07:00 AM
Replies: 68
Views: 7,113
Posted By kramer
Actually, the OP did not provide enough...

Actually, the OP did not provide enough information to conclude this.

But that is why I said my personal situation, just to make sure folks were aware of the give/take of Roth conversion...
Forum: FIRE and Money 01-08-2018, 02:56 AM
Replies: 68
Views: 7,113
Posted By kramer
In my personal situation, where taxable account...

In my personal situation, where taxable account is much larger than tax deferred, I would consider what you are proposing except that then all of my qualified dividends in my taxable account get...
Forum: Health and Early Retirement 01-07-2018, 10:43 AM
Replies: 52
Views: 3,747
Posted By kramer
They say that resistance exercise is particularly...

They say that resistance exercise is particularly important once you reach 50.

I am an introvert and haven't really made friends at the gym or race track/park where I run. I am a Gold's Gym...
Showing results 1 to 25 of 1183

 
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