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My SLCSP and monthly advance payments columns are all zeros, anyone else seeing this? They sent me a notice that the form is available, this is in Florida if that makes a difference.

Assuming you either wrote a check or allow a payment be directly deducted, what security prevents them from just withdrawing more money at a later date? All they need is account number and bank routing number.

https://www.marketwatch.com/story/many-young-people-shouldnt-save-for-retirement-says-research-based-on-a-nobel-prize-winning-theory-11664562570 Basic idea is you should have a constant level of standard of living to be happy, so no saving in the beginning when you are making less, start...

Remember when they passed AMT, it was to prevent rich people from not paying their fair share of taxes? Why’s no one mentioning the apparent failure of it to do that? Instead of tax overhaul, why not just modify the AMT to include whatever income it’s apparently not including? I expect the laws...

During height of the panic there was fear that anyone turning 60 last year would be screwed by drop of average wage index. The 2020 trustees report estimate is 3.5.:dance: But here’s a lower estimate, with a good explanation of how it’s calculated...

I first I thought the HR software had bug: The HHS announced 100% values a year ago: But the IRS form/instructions are still using 2019 values, they do point that out so I will give them credit for being honest ;-)

Moving 20 miles, 1 county over, now I have to change insurance companies and doctors?! Since I’m so close I could continue to go to current doctor, but it looks like I have to change insurance companies. Correct me if I’m wrong. My current insurance provider is BCBS. The new company is called...

If I’m going to buy a home, I want to finance it. Going to a bank or credit union won’t work because I have no income so will need to do an asset depletion loan. I figure I need someone who has expertise with these...some questions I have is... Do MBs fall under FINRA or similar so I can be...

https://www.cnbc.com/2018/04/17/student-activist-david-hogg-calls-for-boycott-of-vanguard-and-blackrock-over-gunmaker-ownership.html I believe every index fund probably owns gunmakers, food corporations that kill animals, oil companies, etc. So I really don’t want index funds watered down for...

You can all stop saving now, ER provided by the government: https://www.cnbc.com/2018/02/26/roughly-half-of-americans-now-support-universal-basic-income.html My favorite quote: “supporters say that the companies that benefit from artificial intelligence should pay the higher taxes to fund a...

So the IRS sent me letter indicating they want to apply a 10% penalty for an early distribution: Yes I filled out form 5329 with code 02 indicating the exception as part of a SEPP, which they obviously ignored. As anyone gone through this? If yes, how did you respond? Seems like they are...

Nothing changed since last year, now plan is not a HSA plan, did HSA rules change or something? Sent from my iPad using Early Retirement Forum

I know you can not sell at a lost, then buy back in less than 30 days, then report the loss. But what if you buy more first (say in a IRA), then sell the same security in your taxable account the next day? In other words, does the 30 day window extend backward in time, so really it's a 60 day...

I was transferring money from 401k to my IRA, I used USPS priority mail, which should have taken 2 days, instead it took 3, and arrived today, so I saved myself probably 2+%, thank you USPS. :-)

Not sure if this has been posted before: President Obama's 2015 Budget Includes A Possible Retirement Planning Game-Changer ~ Ed Slott and Company – IRA, Tax, Retirement Planning Articles, Insight The new item is make roth owner take RMDs.

For those who have a 72t with Vanguard, did you call them or do it via web site? I know that they have issue a 1099R with the wrong codes, I assuming that hasn't change? Searching their site showed only a passing mention of 72t.

The "path to prosperity" budget changes the way medicare works, for those of us born after 1956. Now that's becoming a real possibility, I'm curious if anybody who is close the cutoff actually supports the voucher method? Or better yet, if anybody already on medicare would want to change? TJ

Economist Schiff: Upcoming Crash Will Pale 2008 Excerpt: Wow, 90% market crash and 100% inflation, not sure how that would work, since inflation would carry over to stocks (companies earnings). TJ p.s. I wouldn't take this too seriously, Robert is pushing this book which is apparently reads...

Another one of those 401K/IRA do it yourself method has failed. http://www.nytimes.com/2012/07/22/opinion/sunday/our-ridiculous-approach-to-retirement.html Not sure what she means by this quote, funny, I didn't think it was that difficult? TJ

Before OC: If you are in 15% bracket, and you do a Roth conversion, you pay 15% assuming you stay in the 15% bracket. Now that OC is law, using an online subsidy calculator: You do the same conversion, still will pay 15%, PLUS the extra income will result in more expensive insurance, because a...

I'm being let go by my megacorp...was trying to hang on until retirement age where I would have access to group insurance, not to be :frown:. So I had cancer treatment in 2009 and declared cancer free in 2010. I'm checking with insurance agent about getting individual health insurance, all but 1...

For those who watch CNBC, FOX Bus, etc: Dilbert comic strip for 12/03/2011 from the official Dilbert comic strips archive. TJ

Vanguard is asking me to set my preferred desired cost basis method. I leaning towards either Average (because VG automatically calculates this method) or FIFO (because that should prevent taxing short term gains). Is there any pro/con for either method? I check VG site, they mention "FIFO...

Christian billboards proclaim Jesus will return May 21, 2011 - Tampa Bay deism | Examiner.com Adjust your SWR accordingly.:laugh: TJ

<Rant ON> I'm sick and tired of the S&P being used as the standard for the stock market. Every time is the same thing: Since <pick date that is most favorable to make your point> the S&P has underperformed <my monday quarterback pick>. >:( <Rant OFF> I haven't check, but I'm guessing the S&P is...