Search found 534 matches

by Hayden
Mon Aug 24, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Buy warranty for Microsoft Surface?
Replies: 10
Views: 724

Re: Buy warranty for Microsoft Surface?

Thank you everyone for the responses. I'm paid about $1600 for the Surface Pro at Costco. I will not buy the warranty.
by Hayden
Sun Aug 23, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: TLH both the primary and alternate fund at once?
Replies: 5
Views: 494

Re: TLH both the primary and alternate fund at once?

I just looked up the following three in Morningstar: FSGDX, VFWAX, and IXUS.

all three seem to have the same benchmark: MSCI ACWI EX USA. Maybe I'm not reading this correctly. Are these substantially identical?
by Hayden
Sun Aug 23, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Buy warranty for Microsoft Surface?
Replies: 10
Views: 724

Buy warranty for Microsoft Surface?

I'm about to buy the Microsoft Surface Pro 3 from Costco (it's on sale right now). Should I purchase the Square Trade warranty? It provides 2 years of coverage for $80.
by Hayden
Sun Aug 23, 2015 8:48 am
Forum: Investing - Help with Personal Investments
Topic: TLH both the primary and alternate fund at once?
Replies: 5
Views: 494

Re: TLH both the primary and alternate fund at once?

Fclevz wrote:IXUS - iShares Core MSCI Total International Stock ETF


I'm in exactly the same situation. IXUS looks like a good choice. Or is this substantially identical to VTIAX?
by Hayden
Sun Aug 23, 2015 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience taking a voluntary (pre-retirement) break from employment?
Replies: 28
Views: 3266

Re: Anyone with experience taking a voluntary (pre-retirement) break from employment?

I did this. In my case, I did something interesting any seemingly prestigious, so it was not at all negative when I was interviewing for jobs. It allowed me to recharge, and start my next job with energy and enthusiasm. In my case, I think it was the right decision.
by Hayden
Wed Aug 19, 2015 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is a DCP always a retirement plan? Question on profit sharing
Replies: 3
Views: 157

Re: Is a DCP always a retirement plan? Question on profit sharing

There is a document that your wife should have been provided, that contains all of this info. I believe it is called the Summary Plan Description. Find that document, for answers to your questions. For what it's worth, my company had a profit sharing plan. I was able to roll over the account to a Ro...
by Hayden
Wed Aug 19, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 85
Views: 4103

Re: Individual 401K

I'm not sure if I should have read closer or if TDA pulled a fast one, but in order to get the commission-free ETFs, you have to be "enrolled in the program". I have been getting charged 9.99 for each trade of VTI, BND, VEU, and VSS, even though they're on the list. I called this morning ...
by Hayden
Mon Aug 17, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax
Replies: 6
Views: 909

Re: Estimated Tax

It is better to handle this through withholding rather than estimated tax payments, if at all possible. When you fill out the W4, you can tell them the dollar amount you want withheld. I find that easier than messing with exemptions. You can use something like Taxcaster to estimate your taxes. Then ...
by Hayden
Sat Aug 15, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Business car Vs Personal car
Replies: 2
Views: 349

Re: Business car Vs Personal car

You do have to keep track of personal use and add it to wages. it is not .55/mile, but the calculation is not complicated. T is based on the value of the car. We are winding up our business after 15 years, and so sold the company car as well as other company assets. Do you plan to be doing this cons...
by Hayden
Tue Aug 11, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Should i take furniture to consignment store?
Replies: 14
Views: 1236

Re: Should i take furniture to consignment store?

Thank you everybody for the helpful responses. I can't find any names or dates on the furniture. The furniture was acquired in New York a long time ago (don't know when), but I now live out west in flyover country. I live in a small city. I googled auction houses, and I found one in this area. They ...
by Hayden
Sun Aug 09, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate! Federal Government employment vs. Private sector
Replies: 49
Views: 3214

Re: Help evaluate! Federal Government employment vs. Private sector

The Fed job will likely be 9-5ish with no expectation of having to work more than 40 hours a week - may not be so in the private sector. This could be better for work/life balance. On the other hand - when I worked in the Fed sector I got frustrated with the lack of drive in people on wanting to ge...
by Hayden
Sun Aug 09, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate! Federal Government employment vs. Private sector
Replies: 49
Views: 3214

Re: Help evaluate! Federal Government employment vs. Private sector

It seems to me that the two jobs will take your career and your life in different directions. Since you'll be fine financially in either case, I would be focusing on the career and lifestyle differences.
by Hayden
Sat Aug 08, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Should i take furniture to consignment store?
Replies: 14
Views: 1236

Re: Should i take furniture to consignment store?

The pieces are *worth* whatever you can find someone to give you money for. Have you considered trying to sell them on Facebook or other online option? Good quality stuff in my area goes almost instantly. Price it high, people will probably give you offers if you are too high. I've never sold anyth...
by Hayden
Sat Aug 08, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Should i take furniture to consignment store?
Replies: 14
Views: 1236

Should i take furniture to consignment store?

I am moving, downsizing, and it is time to get rid of grandmother’s furniture. I don’t know the first thing about antiques, so am looking for your advice. I contacted the person regarded as the best antique dealer in our small city. She said I needed to tell her how much I want for the pieces. I tol...
by Hayden
Sat Aug 08, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10959

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Thank you for posting this. My Verizon bill is $200/month, so I'll be looking at whether these changes will bring the cost down. We have one phone on contract (7 months remaining) and one phone on the Edge program where we pay $30/month for the phone.
by Hayden
Fri Aug 07, 2015 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Brokerages & Rewards
Replies: 2
Views: 337

Re: Brokerages & Rewards

Fidelity is offering miles on Delta or United if you transfer funds.
by Hayden
Thu Aug 06, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Deferring income to maximize 401k?
Replies: 6
Views: 939

Re: Deferring income to maximize 401k?

Only the employee salary deferral maximum is restricted across all 401k plans. The maximum total contribution (employee + employer) is separate for each employer. This means you can still make a maximum employer contribution (20% of net business profit - 1/2 SE tax) for this year. I don't know as t...
by Hayden
Thu Aug 06, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax questions when selling a rental property
Replies: 24
Views: 1499

Re: Tax questions when selling a rental property

I've got a property sale this year and ran numbers through Taxcaster. I don't trust the results, and I plan to run an estimate using Turbotax. I don't think Taxcaster is sophisticated enough for this.
by Hayden
Thu Aug 06, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How Does S Corp Tax Savings Affect Future SS Payout?
Replies: 15
Views: 879

Re: How Does S Corp Tax Savings Affect Future SS Payout?

I think you are underestimating the costs and complexity of having an S Corp. payroll costs me ~$300/year plus chews up a significant amount of my time. Learning the S Corp rules chews up a significant amount of my time. In the past, I have paid several thousand per year for the CPA to prepare the 1...
by Hayden
Thu Aug 06, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: work contract ending Aug 31
Replies: 5
Views: 451

Re: work contract ending Aug 31

I see no reason not to enquire about status.
by Hayden
Tue Aug 04, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Strange results using Taxcaster: AMT and other taxes
Replies: 1
Views: 191

Strange results using Taxcaster: AMT and other taxes

I tried using Taxcaster to estimate my 2015 taxes and i'm getting some results i don't understand. Due to AMT, Taxcaster says my estimated tax is higher when i enter the real estate taxes paid, compared with entering 0 taxes paid. Can that possibly be true? Also, i experimented with reducing my wage...
by Hayden
Tue Aug 04, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 5384

Re: Aloha Shirt: Yes or No

Where I live, these are very popular among men of a certain age. Costco sells them, and almost everyone in my small town shops there, so when we go out to an event there are invariably several men wearing the same shirt. Doesn't seem to bother anyone. Check out your local Costco and enjoy the shirt!
by Hayden
Mon Aug 03, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 13547

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

Food is about both nutrition and social experience. I read somewhere a study that people who met friends for a beer after work every day were healthier than those who don't. Not because the beer is healthy, but because the benefits conferred by the social activity outweighed the detriment of drinkin...
by Hayden
Mon Aug 03, 2015 10:45 am
Forum: Investing - Theory, News & General
Topic: solo 401k employer contributions mid-year
Replies: 8
Views: 587

Re: solo 401k employer contributions mid-year

There is a good reason to wait until after the end of the year to make your employer contribution. Suppose you make all of your 2015 employer contribution in the 2015 calendar year. If you make a mistake in your calculation and exceed your maximum deductible amount, you will have to make correction...
by Hayden
Sun Aug 02, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: solo 401k employer contributions mid-year
Replies: 8
Views: 587

Re: solo 401k employer contributions mid-year

There is a good reason to wait until after the end of the year to make your employer contribution. Suppose you make all of your 2015 employer contribution in the 2015 calendar year. If you make a mistake in your calculation and exceed your maximum deductible amount, you will have to make correction...
by Hayden
Sun Aug 02, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 13547

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

I spend countless hours looking for ways to save a few bucks (reduce taxes, etc). Then, we go out to dinner several times a week. We spend much more than $1000/month on food. That's probably a fertile area for my future analysis. But ultimately, it's all part of a larger process of setting your prio...
by Hayden
Sun Aug 02, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

As has been suggested, the underpayment penalties are often small enough that it is more expensive in time and headache to try to figure out the rules than to just pay it. I believe my penalty two years ago was around $45 because I did not meet safe harbors and did not bother to pay any estimated t...
by Hayden
Sat Aug 01, 2015 5:42 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11077

Re: Retirees: Questions you hate being asked

It's been four months for me now (retired at 56). Virtually everyone asks me when I am going to announce what I am really going to do next. They absolutely can not accept that my plan is to not work. I even had a close personal advisor send me a note last week that told me of a guy that was looking...
by Hayden
Sat Aug 01, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 8447

Re: Who are you able to share good financial news with?

Just here. Other than that, I don't tell anyone. Nothing good can come of it.
by Hayden
Fri Jul 31, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 75
Views: 7174

Re: Priorities

Thank you for sharing. I'm one of those workaholics who needs these types of reminders.
by Hayden
Thu Jul 30, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: Advice on two houses
Replies: 11
Views: 1328

Re: Advice on two houses

If it were me, I'd move half my stuff out. I think a house that is staged with a small amount of furnishings looks better than an empty house or a full house. For example, remove half the stuff from your closets to give the appearance of lots of storage space. Remove stuff that shows your personalit...
by Hayden
Sun Jul 26, 2015 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

When computing quarterly estimated tax payments, income on a K-1 is considered earned evenly throughout the year, unless you receive information from the entity indicating uneven income. The income is taxable to the LLC member when earned by the entity, not when the cash is distributed to the indiv...
by Hayden
Sat Jul 25, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

Thanks for all of the responses. Neither safe harbor nor withholding help me, because i am (almost) retired, income is less this year than last year, and i may not receive any more paychecks this calendar year. So i'll do Form 2210. As you point out, more details are needed. With a lower tax bracke...
by Hayden
Sat Jul 25, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

How does a K1 impact estimated taxes? In your case I would think you'll have a fairly good idea when the funds are disbursed as to the tax impact. But you may not see the K1 until next March - April. What if the are "surprises" on the K1, for example unexpected depreciation recapture? Doe...
by Hayden
Sat Jul 25, 2015 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

When you submit your 2015 taxes include a note explaining why your estimated tax payments were lower in the first two quarters of the year. My husband has a part-time consulting business on top of his regular job and we have done this in many years when he has unexpectedly earned extra money in the...
by Hayden
Sat Jul 25, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

As has been suggested, the underpayment penalties are often small enough that it is more expensive in time and headache to try to figure out the rules than to just pay it. I believe my penalty two years ago was around $45 because I did not meet safe harbors and did not bother to pay any estimated t...
by Hayden
Sat Jul 25, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Re: Unequal estimated tax payments

This is surprisingly complex. A full answer requires detailed knowledge of the rules or details of your situation you did not give. There are at least some circumstances where making a small payment immediately will reduce the penalty. First of all check which safe harbor you used to calculate your...
by Hayden
Fri Jul 24, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2159

Unequal estimated tax payments

Just sold a rental property. This wasn’t anticipated when I scheduled my estimated tax payments for the year, so the quarterly estimated tax payments I scheduled in EFTPS are too low. Making up the difference through payroll withholding is not an option. I need to pay more for the 3rd quarter paymen...
by Hayden
Fri Jul 24, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 16149

Re: Downsize, Reduce, Simplify.

Anyone hire someone to help with this? We have gotten rid of the easy stuff, and are now down to difficult decisions like grandmother's beautiful china cabinet that is lovely but serves no purpose. And the beautiful old China that we never use. I am thinking about hiring a decorator to help us in th...
by Hayden
Wed Jul 22, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4154

Re: What are your financial goals?

I'm one of those people who over saves and has a hard time spending money. My goal is to have enough money that I don't think twice about health related expenditures (go to doctor whenever I want even though my high deductible plan means I pay out of pocket; buy organic; pay for gym membership). I a...
by Hayden
Tue Jul 21, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best practices for business account security
Replies: 2
Views: 239

Re: Best practices for business account security

I have two small businesses, each with a bank account with six figures. I am very concerned about the lack of security protections for business accounts. The banks in question do not have two factor authentication. It seems that if someone drains a business account, the business can't do much (the ...
by Hayden
Tue Jul 21, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1224

Re: Running Windows 7 on new Windows 10 computer?

The upgrade process is very smooth I've done probably around 25 upgrades between Windows 10 Insider builds. With that said, The Surfaces will be running Windows 10 July 29 if you buy it so it's not a long wait. I don't think any machine I upgraded the OS worked properly afterwards due to driver iss...
by Hayden
Tue Jul 21, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Best practices for business account security
Replies: 2
Views: 239

Best practices for business account security

I have two small businesses, each with a bank account with six figures. I am very concerned about the lack of security protections for business accounts. The banks in question do not have two factor authentication. It seems that if someone drains a business account, the business can't do much (the p...
by Hayden
Tue Jul 21, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1224

Re: Running Windows 7 on new Windows 10 computer?

Thank you all for the responses. I now know I have options to deal with this, so I don't need to delay my purchase of the Surface Pro.

Now I'm wondering, would you buy the Windows 8 machine today and upgrade to Wimdows 10, or wait until they ship Windows 10 machines?
by Hayden
Mon Jul 20, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1224

Re: Running Windows 7 on new Windows 10 computer?

JustinCC wrote:I would contact the vendor what is the name of the software?



It's accounting software from Deltek. Since I am winding down the company (no longer have employees), i stopped paying Deltek for support/maintenance.
by Hayden
Mon Jul 20, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1224

Re: Running Windows 7 on new Windows 10 computer?

I run a Surface Pro 3 running Windows 10 and it's great (Note: I am a bit biased since I work for Microsoft though :)). How do you know that your apps won't work on Windows 10. In reality, it's pretty rare that an app the works on Windows 7 won't work on Windows 8 or Windows 10. Also, if you want t...
by Hayden
Mon Jul 20, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1224

Running Windows 7 on new Windows 10 computer?

I want to replace my old desktop with a Microsoft Surface Pro. The problem is that I have some old software that I use for my business that runs on Windows 7. The business is winding down, so it doesn’t make sense to buy the new version of the software (the software is quite expensive). Would it mak...
by Hayden
Mon Jul 20, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 6068

Re: Do you hate your vehicle infotainment system?

We just bought a car, and this was a huge factor for us. We bought the Hyundai Genesis, in part, because of its great electronics. We wanted a car that sincs well with the phone and navigates using Google Maps.
by Hayden
Fri Jul 17, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: File-and-suspend application
Replies: 10
Views: 581

Re: File-and-suspend application

Similar experience here. Based on what I learned on Bogleheads, I advised a friend to file and suspend. He walked into the SS office to do it. They told him that since he is single, there is no reason to file and suspend. He did his best to explain about the ability to get retroactive benefits. They...

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