Recent content by gadgetdog

thank you all for the thoughtful replies Just wanted to thank everyone for their thoughtful replies and examples. I'll put the investment related tax payments as part of my expense budget now.

yes, that's the situation that I'm worried about, what if my portfolio has very good returns one year or if I make a lot of changes that generate a taxable event? If that happens, I can see my investment related taxes being 2%, which could be half of the SWR of 4%. During normal years, it...

sorry, I am asking from the point of view that SWR = safe withdrawal rate (ex: 4%) ok, so you would not include investment tax into the budget for SWR testing, thanks!

Hi, I've included things like property taxes in the budget for the SWR (safe withdrawal rate). But what do I do with the tax payment needed for things like, dividends, interest, capital gains, etc... The tax payment amount would be different each year. Also, this amount could be...

Hi, About 1 year ago, there was an article in either Money, Smartmoney, or Businessweek about insurance companies who refused to pay for treatments. They had a bar graph comparing the major health insurance companies and the % of treatments they refused to pay for. I remember the article in...

Hi ReWhaoo, That's the first place I went and have read everything there. Martha did a good job putting all that together. I am down to just trying to figuring out between those two seemingly (to me) conflicting parts of the documents. I actually quoted the info above related to my question...

Thanks for the reply and the info. Did you use an insurance broker to buy the insurance or did you use a website like ehealthinsurance.com (or something like it?) We are trying to get some basic questions answered about insurance in Texas. For example, from what I read, if you have had group...

Hi, my wife and I are in our late 30's/early 40's. Would like to retire "soon" and are learning what we can in the meantime to get our portfolio and health care ready. So much to learn. This board is a great resource!

Hi, My wife and I are currently on her employer's group health insurance. When the doctor bills her health insurance plan, the doctor has to accept the reduced fees that the insurance company pays. Here is my question. After we go on private insurance, it will have a large deductible. We'll...