@1vmn Aren't you one in the same as that "butthead loser deadwood" guy who always posts idiot comments on this site?
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Thanks for your concern, 2zdh. I do sleep very well every night, more so since a few days ago after previewing my Obamacare premium for next year with my current medical plan. It's going down $10 to $53. All due to proper financial planning on my part.
@K6JHHrR-1vmn, Thanks, I am one of the posters that you listed, but not the other. Not sure what "one in the same" means. I think you meant "one AND the same", either way, you are wrong. Do what you like as long as you can sleep at night, I cannot sleep knowing that I am taking from the mothers and children of needy families, regardless of the loopholes involved. Thanks for reading, anyway,
Thanks 1kkq and 1efc (one in the same poster). Do what you like. I prefer to pay as little taxes as possible and max out my lawful benefits. Emphasis on Lawful.
I think that you have a point, @-1kkq in saying that you can't really "get back" at the government for taxing too much or mis-spending funds by being a tax-evader, or whatever. I know that opinion which you cite and have heard it many times, you are correct it doesn't work that way. You are only shifting the burden to someone else. But if there are any tax laws or loopholes that work to my advantage, including ACA subsidies, I plan on using them. I do not feel there is anything ethically wrong with that. However, I have done the math and do not believe that I will be eligible for Obamacare when the time comes that I may need it. Also I prefer to not get involved at all with that Abortion. It's a cluster-F__K, I don't want anything to do with it. Providers don't either and you will get better service with real insurance. My health care is too important to me for all that.
-1aiw, Why should I add taxes to the already fair share that I pay? Unlike some, I do not receive any entitlements of any form and pay a large % of my income to taxes as dictated by code. I also do not plan to sponge for healthcare. If anyone should pay more, it's YOU, if you plan on raping the tax-payers when you can afford to pay your own way and not be a sponge. I know that taxes monies are squandered. That does not make it right for OTHER hard-working Americans to pay for me while I sponge like a parasite prick. You have a comprehension problem. Regardless of how much is squandered, SOMEONE WILL PAY FOR YOU. All you are doing by sponging and being a fraud is claiming that you think that you are better than others and others(many very poor and just getting by) should pay for your lazy A$$ because you are entitled. That's the only political point that you are making. There's no way to consider it in your head that you are making a positive political statement of some sort by being a parasite. It simply doesn't work like that. The statement is that you are a lazy tightwad POS who rips off your neighbors. The government does not make revenue. Americans do. Real tax-paying Americans. Not tax-evading lazy sponge POS's.
I suggest that you, 1kpb, add another $1,000 to the taxes you owe for 2016. I will continue to use every rule and legal loop hole available to me in the tax law to pay the least amount of taxes. If you think we all should be paying more in taxes so the government can squander it, advocate to change the law. I will vote to elect government officials who pledge to lower taxes even more. Once government is so small, it can only take care of the bare essentials, more people will learn to be self-reliant and less dependent on government. That's the Conservative point of view that I uphold.
People like @K6JHHrR-1syp are anti-American and unpatriotic to think that not paying your fair share of taxes to your country to pay for the roads, bridges, Police, Fireman, public services of all sorts that are tax-funded is something honorable or to be proud of. You are a freaking immature, childish, ignorant, total idiot and also a parasitic low-life leech. There is no legitimate excuse for being a parasite on others, including the delusion that some of you mental patients put yourself into when trying to convince yourself that you have already "PAID YOUR DUES"; Bull$hit. When you stop using public services , police, firemen, roads, bridges etc. i.e. when you are dead, then you can stop paying taxes. None of you are "better" than anyone else, some of you are just cheap unAmerican asswipes who do not want to pay your fair share or carry your share of the load. You are a lazy ignorant POS if you think that arranging it so these services WHICH WILL BE PAID BY SOMEONE, IT's JUST A MATTER OF WHOM, being paid by someone else makes you something great. It makes you exactly the opposite of great and the opposite of an American, the opposite of a Patriot, and the opposite of a hero. It makes you an entitled sponge parasite A$$wipe POS.
Good advice, 1tya. If only things were that simple. Oversimplying things as you casually (or ignorantly) state, will come at a high cost. This government will take more of your hard earned savings by taxing you hard. You need to play the game or be smart enough to circumvent the pitfalls.
Folks. Unlike many of you, I am taking my money out and paying my taxes and enjoying my retirement. Not trying to keep my income low just to avoid taxes or get cheap crappy insurance. Wait till you turkeys have medical issues and find out that cheap insurance limits your options. Enjoy life people. Don't over complicate things or overthink it.
It is every American's patriotic duty to pay the least amount of taxes possible. Arrange your affairs as best as you can to not pay more than you should. Our tax laws are so out of whack from what our nation's founding fathers envisioned, that we now have taxation without representation. I planned my financial future long before I retired. I kept up with the tax laws and ways to avoid paying some and minimizing others. Retirees like me profiting off the ultra high Obamacare subsidies and getting sub-$100 medical plans is not called "mooching" or "leaching" off the taxpayers or being "dependent on government". Quite the opposite, I say. I'm not doing anything illegal, only staying financialy independent and taking advantage of the law. You have two choices in life; to be be led like sheep or lead your own life and be free.
1avs: the money you have in a ROTH is tax free
How do you minimize your income in retirement? Just make sure dividends are low and no stock sales trigger cap gains? For those of you on the pension annuity, I assume that is income, right? The lump sum is not taxed if you roll it over to an IRA but is it taxable as you withdraw it?
I can't get my head around what taxes might be during retirement. I suspect spending will be high but want taxable income low. If so, why would anyone get a Roth IRA?
Yes I agree. I don't get people bragging about being financially independent, yet then they admit in the same sentence that they are dependent on government subsidies for health insurance. It's either one or the other. Either you are dependent upon others or you are financially independent. I retired several sears ago and have paid my way ever since and am proud of it. Others can mooch out of the trough with the ACA. etc., like little babies nursing at the government TEAT all that they want until they die for all I care, Born a helpless baby, die a helpless retarded baby. Suit yourself, but I couldn't live with myself if I was taking from others who are less off than me when I can afford not to.
@1tya - I also live in Houston and my HMO Obamacare plan is $86 a month. You have to keep your retirement income withdrawal low to max out the subsidy. Thank God my wife and I paid off our house a few years ago and have no other debt. We are not 65 yet, so our plan is to live frugally but comfortable for another 3 years, then switch to the Chevron post-65 Retiree Medical Plan. At that time the premiums will be very affordable and we will be able to raise our retirement distribution and add social security income to the mix. We are planning a 14 country, 8 month long, world travel vacation.
I retired last year from Chevron in Houston at 58. I got started on Obamacare in January 2016 with premiums at $63 per month by keeping my household taxable income right below $30,000 annually. I previewed the premiums for the same Obamacare medical plan for 2017 using the same estimated annual income draw of $30,000. Guess what? My premium is coming down $10 per month next year to $53 for me and spouse. Premiums jumped sizably everywhere across the country, sorry to see, but not for me. My monthly government subsidy for 2017 is going up from $953 to $1,252. Laughing all the way to the bank by gaming the system for maximum benefit. I never thought I'd thank Obama so much.
Whats the problem? Obamacare should have brought your rates down, improved your care and made up for that backdoor reaming that you get every time you set foot on CVX property.
My pleasure. Be well and stay safe.
^^ HAHA ^^
Your welcome.
OP, it's clear Chevron is only trying to save money in every place possible. It's quite likely we will slide backwards even more for 2018 open enrollment when Anthem is elimated and swapped for Fred's Medical Insurance Company.