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If both of you are over 55, the combined HSA contribution limit in 2019 is $9K. You need to put at least 1,000 of that in the spousal account.

How does that work? Even untaxed social security income counts toward ACA income.

Violence, overdose, suicide, and car accidents contribute. Correct for these and our health is not that bad compared to other countries.

I believe what they were doing was selling options on volatility of NG, not the price of NG. In essence, they are selling price insurance. When insurance companies sell insurance, they have large assets to back up claims. And most of the time, you can print money this way. When it goes...

In 2011 and 2012, the employee's tax rate was 4.2 %. I had the dates wrong in a previous post.

Funny you should mention taxes. Let's use the AUM fee and compare it to a tax. With 1 % fee on total assets, your safe withdrawal rate is say 3 % instead of 4 %. So you are being effectively taxed 25 % on your income, in addition to actual taxes. With that sort of tax rate, it's hard to...

But that is exactly what happened in 2009-10 when Obama cut payroll taxes by 2 %. The money was made up from general funds.

Can't you just install Chrome OS on the existing laptop?

I liked HR blocks ability to report all covered transactions as a summary on schedule D instead of individually as taxact did. It's not that hard to make estimated payments.

Then the buyer of the policy loses. In related news, not all stocks go up.

Correct, they don't have cash value. However, a term policy might have some value in the final years, if it is a level term policy. In the last year of my term policy, the expected value was something like 5 x the premium. Alas, I lost that bet.

I was surprised how affordable it is chartering a boat with skipper in Greece. The price quoted excluded food and drink, but you really just have breakfast and lunch on the boat, go to a restaurant for dinner. And you buy your own booze at the market, not individual drink cruise ship price.

I think there are more English speakers in Paris than New York.

I've done two hut-to-hut mountain hikes in the alps (Italy and Austria). No need for a tour, just a guidebook from Cicerone. They have dayhikes for those who want to stay in a hotel in town, or you can go multiday with a light pack between huts (really more like a civilized hostel with a...