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Re: Wife turning 50, Ideas for gift?

A trip to somewhere she picks (without consideration of whether you want to go there)
by Hayden
Mon Mar 02, 2015 9:11 am
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 18
Views: 1143

Re: Wife doesn't want to retire - I do

I've been giving a lot of thought to retirement lately, and the best advice I've read on Bogleheads and elsewhere is to retire TO something, rather than from something. for a long time, I didn't want to retire because I couldn't envision what I would do In retirement. Maybe you could retire and star...
by Hayden
Sat Feb 28, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 57
Views: 4522

Re: What age do you guys plan to retire?

I no longer work ambitiously to make more money. +1 I consider myself semi-retired. I work part time, doing what's needed to run my business, but I don't put any effort into growing the business. With new technology, it's becoming possible for me to run the business from anywhere, so that the busin...
by Hayden
Tue Feb 24, 2015 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8557

Re: How do you plan on spending your time during retirement?

Start cooking. Right now, I don't cook. I'm reading In Defense of Food, and he's got me convinced I need to stop eating processed food, start buying fresh vegetables and learn how to cook them. I plan to join a CSA this summer.
by Hayden
Tue Feb 24, 2015 10:18 am
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3061

Re: Employer contribution to 401k recorded in payroll?

Spirit Rider wrote:I agree, I think the Intuit rep is mistaken. I see no code in the descriptions for box 12 that indicates employer contributions. Nor have I ever seen anything in a W-2 when I received employer matching.


Thank you!
by Hayden
Mon Feb 23, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer contribution to 401k recorded in payroll?
Replies: 2
Views: 399

Employer contribution to 401k recorded in payroll?

I’m setting up Intuit Online Payroll to run payroll for my owner-only S Corp with a Solo 401k. I set up the EE contributions to the 401k. No issues there. But the Intuit Rep says I must set up the ER contributions through payroll as well. Why is this? It seems to me that I just wait until the end of...
by Hayden
Mon Feb 23, 2015 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer contribution to 401k recorded in payroll?
Replies: 2
Views: 399

Re: Define: participate in a retirement plan at work

What was the employer's response when she asked them about this? I agree that it seems to be a conflict. We have a call in asking this question but employer is hard to get answers from (contracting agency for a federal position). This statement by the OP is why I think the Service Contract Act appl...
by Hayden
Thu Feb 19, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Define: participate in a retirement plan at work
Replies: 41
Views: 1984

Re: Define: participate in a retirement plan at work

What was the employer's response when she asked them about this? I agree that it seems to be a conflict. We have a call in asking this question but employer is hard to get answers from (contracting agency for a federal position). This statement by the OP is why I think the Service Contract Act appl...
by Hayden
Thu Feb 19, 2015 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Define: participate in a retirement plan at work
Replies: 41
Views: 1984

Re: Define: participate in a retirement plan at work

They put it in the retirement account because they were required to give her the money, and if they had paid it in cash, they would have had to pay payroll taxes (FICA and State unemployment tax). I was a government contractor for many years, and I always paid in cash, but I know that other governm...
by Hayden
Thu Feb 19, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Define: participate in a retirement plan at work
Replies: 41
Views: 1984

Re: Define: participate in a retirement plan at work

Now that's interesting. It makes some sense that the contribution does not count because it is not for retirement. But why did they put it in her retirement account? Welcome to the forum! They put it in the retirement account because they were required to give her the money, and if they had paid it...
by Hayden
Thu Feb 19, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Define: participate in a retirement plan at work
Replies: 41
Views: 1984

Re: Music / Song Help

Well, I hate it, but some people like MacArthur Park
Tangled up in blue
by Hayden
Wed Feb 18, 2015 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2244

Re: Define: participate in a retirement plan at work

You tried calling the company, but I wonder if the company hired a separate company to administer the employee benefits program. If so, I would try asking the question there. For those who don't understand how this could happen, perhaps I can shed some light. I'm just guessing of course, but here's ...
by Hayden
Wed Feb 18, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Define: participate in a retirement plan at work
Replies: 41
Views: 1984

Re: What is your favorite consumer product?

Microwave popcorn
by Hayden
Wed Feb 18, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9530

Re: Accountant Cost When Taxes Done During Meeting

That seems low to me. My accountant charged extra this year to do several of the new Form 3116. I paid about $3500 for a rental business and an S Corp.
by Hayden
Wed Feb 18, 2015 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Accountant Cost When Taxes Done During Meeting
Replies: 19
Views: 1454

Re: Looking For Fixed Income Advice -CDs Are Maturing

I have a CD about to mature, and I've decided to move the money to a Vanguard muni find. (Intermediate term tax exempt). My major goal is to simplify my life (so I am free to travel etc without worrying about what dates my CDs mature), so I thought this was a simple solution for me.
by Hayden
Wed Feb 18, 2015 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking For Fixed Income Advice -CDs Are Maturing
Replies: 2
Views: 292

Re: Large Age Gap with Spouse/Partner

There are many men on this board in their 80s who do a great job managing the finances. That being said, I don't think that is the norm. Most likely, in addition to managing the family healthcare, you will be managing the family finances. Are you comfortable taking all that on?
by Hayden
Tue Feb 17, 2015 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5149

Re: Large Age Gap with Spouse/Partner

besides the children issue, there are a lot of issues with a big age difference. The age difference is not such a big deal at your ages. It will seem very different when you are 55 and he is 80. In addition to the health issues, retirement will create more issues. What happens when he wants to retir...
by Hayden
Mon Feb 16, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5149

Re: Opinion-hunting: NW to home ratio? NW is high...

I think I'd be uncomfortable living alone in a huge home. I live in flyover country, so $1'M buys an awful nice home. That being said, as a middle age person who is starting to have health issues, if I were 30 and rich, I would not buy. I'd travel around, spending several months in each place, and r...
by Hayden
Mon Feb 16, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion-hunting: NW to home ratio? NW is high...
Replies: 16
Views: 1206

Re: LLC Tax question

Every State is different. What State are you in?
by Hayden
Mon Feb 16, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: LLC Tax question
Replies: 9
Views: 301

Re: Does anyone like the new Toyota/Lexus grilles?

I don't like them. We are shopping now, but won't be buying a Lexus. Lexus doesn't seem to be keeping up as much as other brands. We like the BMW, Infiniti, and the Hyundai better than the Lexus.
by Hayden
Sun Feb 15, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3227

Re: How to interact with medical establishment

Hayden - I am sorry to say that yes, your expectations are probably out of date. Before you actually get to a doctor you have to figure out how to deal with several people who know even less than you about your condition. These people are hired at low wages as the gatekeepers in an attempt not to w...
by Hayden
Sun Feb 15, 2015 11:17 am
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

Perhaps the receptionist didn't have any openings so she tried to get you help through the nurse. Perhaps the nurse didn't know you wanted an appointment and thought you just wanted advice by phone and really had no advice to offer. Whatever happened, you should be able to say I'm concerned about t...
by Hayden
Sat Feb 14, 2015 11:03 am
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

Still not quite sure we are getting the whole story here. OP recently had surgery. Not done by doctor says was called. OP has an appointment scheduled with the surgeon in the future. Not sure of the time frame - next week, next month, etc. Calls another doctor for an appointment. that OP thinks is ...
by Hayden
Fri Feb 13, 2015 11:33 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

For whatever the reason (justified, not justified, rational or irrational) I would conclude that the doctor/practice does not want you as a patient. I have never experienced what you describe. Before returning to a large HMO, my primary care physician (Internal Medicine) was often not available for...
by Hayden
Fri Feb 13, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

As a medical subspecialist, serious afflictions are seen in 0-2 days. Not so serious conditions are scheduled months out. Triage is critical. Most docs are forced to see too many patients, for many reasons, and these days it's not about padding Porsche payments. One of my dear family members was ju...
by Hayden
Fri Feb 13, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

I describe my afliction Seems it might depend on what affliction you described. So exactly what did you describe? Well, it's happened more than once over the past 14 months (the period i've had health issues), with more than one affliction. Perhaps the nurse doesn't view them as serious, but I end ...
by Hayden
Fri Feb 13, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

Never had the slightest problem making an appointment with my doc who is part of a large hospital group. I call and the nurse who answers the phone schedules me right in no questions asked other than the purpose of the visit. If you like your doc I'd complain to him directly or complain to the dire...
by Hayden
Fri Feb 13, 2015 8:34 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: How to interact with medical establishment

I describe my afliction Seems it might depend on what affliction you described. So exactly what did you describe? Well, it's happened more than once over the past 14 months (the period i've had health issues), with more than one affliction. Perhaps the nurse doesn't view them as serious, but I end ...
by Hayden
Fri Feb 13, 2015 8:29 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

How to interact with medical establishment

Am i doing something wrong, or are my expectations out of date? I call my doctor and tell the receptionist, i'd like to make an appointment with Dr. Smith. She asks why. I describe my afliction, and she says, i'll leave a message for his nurse. A day goes by. The nurse calls me back and basically bl...
by Hayden
Fri Feb 13, 2015 7:52 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2719

Re: Moving States: Incurring long-term cap gains

He's moving to CA now, but perhaps he'll decide to move to TX or FL in the future. I would delay taking capital gains as long as possible. Many things could happen that could reduce those taxes in the future.
by Hayden
Fri Feb 13, 2015 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving States: Incurring long-term cap gains
Replies: 17
Views: 947

Re: Food of the Fifties

I remember drinking egg creams as a kid. I thought they were delicious. I'm pretty sure they contained neither egg nor cream.
by Hayden
Wed Feb 11, 2015 9:23 am
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11200

Re: Retirement Plan for Small Business...SEP IRA or SIMPLE I

Thank you ERSIA Stone for the detailed reply. Good insight. I am leaning towards just keeping the SIMPLE. We have had it for years and the 3% match is nothing and I lean towards keeping our Salaries at lower levels to save FICA tax on the wages. I am consulting with Steve Nelson on reasonable salar...
by Hayden
Wed Feb 11, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Plan for Small Business...SEP IRA or SIMPLE IRA
Replies: 23
Views: 1241

Re: Should we continue with CPA for filing taxes?

I have a CPA do my Form 1065 and Form 1120S, and then I do my personal return myself. This year, in particular, there are depreciation changes to deal with (form 3115). My CPA charged a lot, but I haven't wanted to tackle these returns myself. I do my personal return myself so I understand how it wo...
by Hayden
Sun Feb 08, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Should we continue with CPA for filing taxes?
Replies: 17
Views: 1192

Re: Retirement Plan for Small Business...SEP IRA or SIMPLE I

When I went through this analysis for my S Corp, I ruled out the SEP because of the 25% contributions for employees. I polled my employees, and they just did not value retirement contributions. They wanted the cash in their pockets. I didn't want to be spending money on an employee benefit that the ...
by Hayden
Sun Feb 08, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Plan for Small Business...SEP IRA or SIMPLE IRA
Replies: 23
Views: 1241

Re: Retirement planning

I've thought about this as well, and decided it would make my life simpler to just buy a SPIA at some point. The older I get, the more I value simplicity.
by Hayden
Sat Feb 07, 2015 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPs ladder?
Replies: 15
Views: 1010

Re: Small business s corp retirement investing

The EE contribution is deducted from their paycheck. I don't know how Vanguard works; with Fidelity, the payroll company deducted the EE contribution from the paycheck and then I transferred the money from the company bank account to Fidelity. It was quite easy. The ER contribution is calculated bas...
by Hayden
Sat Feb 07, 2015 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Small business s corp retirement investing
Replies: 11
Views: 918

Re: How much was your Tax Refund (or amount DUE)

I haven't done my taxes yet, but it is always a large number. I own an S Corp and I just can't predict revenue that closely.
by Hayden
Sat Feb 07, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7180

Re: Paperless Office?

A few years ago, I bought a printer/scanner with an excellent automatic document feeder. I can put in an old 50 page tax return, and it scans it perfectly. I highly recommend a good document feeder on whatever scanner you buy.
by Hayden
Fri Feb 06, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3146

Re: Seeking advice on learning computer science

I'll actually suggest NOT learning computer science. Don't worry, you will still learn tons about computer and web generation, but just not necessarily the nuts and bolts of programming languages. I will recommend that in lieu of doing something that is not so practical (for a retired person) due t...
by Hayden
Thu Feb 05, 2015 9:26 am
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

darrellr wrote:What type of computer do you have? Windows or Mac?


Windows. I plan to continue to stick with Windows because of the need to keep using some legacy software for my business.
by Hayden
Thu Feb 05, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

Another fun approach would be to invest $60 a year or so with a hosting service to get a web hosting account that supports PHP. I love PHP. It is utterly wrong academically in every way, there is absolutely nothing good to say about it except that it is really great for getting stuff done and it is...
by Hayden
Wed Feb 04, 2015 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

>>Perhaps Computer Science was not the right term. Can bogleheads help me figure out what kind of class i should be looking for? I suppose I'm a computer scientist of sorts, hold an advanced degree in cs, was a senior tech director at oracle...it's a little hard to suggest a course of study since w...
by Hayden
Wed Feb 04, 2015 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

...Maybe I will go on to write apps, maybe not. I currently enjoy being the “computer expert” for the octogenarians on my street and my elderly relatives, and I think I would enjoy doing more of that. I find computer expert for the octogenarians is more about like system and network administration....
by Hayden
Wed Feb 04, 2015 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

It seems that you are interested in application development (programming), and not computer science. I think your local community college is more vocational in nature, and the curriculum is steering kids into entry level support jobs. When I went to school, Pascal, C++, and assembly were the langua...
by Hayden
Wed Feb 04, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

I don't have any particular tips on how to learn computer science, but here are some thoughts when you think you are ready to try some programming: If you want to use Microsoft Windows languages (C#, VB.NET, F#, etc), you can download Visual Studio Express. It is a full-fledged IDE (Integrated Deve...
by Hayden
Wed Feb 04, 2015 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: Seeking advice on learning computer science

It seems that you are interested in application development (programming), and not computer science. I think your local community college is more vocational in nature, and the curriculum is steering kids into entry level support jobs. When I went to school, Pascal, C++, and assembly were the langua...
by Hayden
Wed Feb 04, 2015 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Seeking advice on learning computer science

I have been giving a lot of thought to what I want to do in my early retirement, and I think I would like to learn computer science. I’m looking for advice on how to go about this. About me: last time I programmed was in Macro-11 (assembly language). i.e., the dark ages. Most of modern computing is ...
by Hayden
Wed Feb 04, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1906

Re: What to buy sweetie for Valentine's Day

A gift certificate to a fancy spa. Should be easy to google best day spas in NYC. Lots of people give spa gift certificates, so doing it online should be easy.
by Hayden
Wed Feb 04, 2015 8:51 am
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5736

Re: Approaching 50...What to expect?

My memory is shot. As a teenager and in my 20s, I could remember anything I read. Not anymore.

I'm surprised others haven't mentioned this. Is it just me?
by Hayden
Tue Feb 03, 2015 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 9965

Re: Good Wines

Horse heaven hills 2010 Cabernet
St. Michelle Indian Wells Merlot
Yaso
by Hayden
Fri Jan 30, 2015 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4389
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