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Re: Solo 401k - W2 Reporting

I thought of one other W2 issue that many S-Corps do not do properly, health insurance premiums. If the policy is in the S-Corp's name the S-Corp pays the premium directly. If the policy is in the employees name the S-Corp may still pay the premium directly or the employee pays the premium and the ...
by Hayden
Wed Oct 01, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k - W2 Reporting
Replies: 12
Views: 447

Re: Oatmeal suggestions

I buy the Bob's Red Mill steel cut oatmeal at Costco. Much cheaper than st the supermarket.
I make a big batch, refrigerate it, and eat it every day.
by Hayden
Tue Sep 30, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3286

Re: Pension buyout offer

Ubermax, that is what is so strange. The option to take advantage of the annuity at this higher rate requires it be started Jan 2015. There is no option to wait until 2017 or any other start date. I had planned to start drawing in 1017. So with this offer, I can start drawing 985 in Jan 2015, or wa...
by Hayden
Fri Sep 26, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Re: Pension buyout offer

This seems to be a marginal case leaning in favor of waiting for the pension. At current payout rates you'd need about a 5.5% IRR to get to a $63k future value, assuming an SPIA with a reasonable 8% payout rate (65 year-old male). At currently low payout rates the future value would need to be arou...
by Hayden
Wed Sep 24, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Re: Pension buyout offer

Ubermax and Calm Man: yes, that is the crux of the matter. Do i simplify my life and take the lump sum, or stick with the small advantage of the pension. We are talking small dollars; less than 1% of my portfolio. I am a strong believer in simplification. I have outsmarted myself far too many times ...
by Hayden
Tue Sep 23, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Re: Long-Term Capital Gain Harvesting

When I have questions like this, I use Taxcaster to test various scenarios. It's fast and easy to use. You can increase your capital gain by $X and see the effect on your taxes.
by Hayden
Tue Sep 23, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Long-Term Capital Gain Harvesting
Replies: 10
Views: 628

Re: I assume you were not eligible for any early retirement

Marmot wrote:For example, if you had 25 years service with the company you could get the full 100% at age 62?


No, I was young and stayed with the company only about 5 years.
by Hayden
Mon Sep 22, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Re: Pension buyout offer

cherijoh, thank you, that was very helpful. I left this company a long time ago, and in my youth, did not pay much attention to such matters. If I were to use the lump sum to purchase an annuity that would begin payout at age 65, the benefit would be about $300/month. So, this $421/month is much bet...
by Hayden
Mon Sep 22, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Re: San Juan Islands

I think it is not technically part of the San Juan Islands, but I would also consider visiting Whidbey Island. It is beautiful. You can get there by Ferry or by car.
by Hayden
Mon Sep 22, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: San Juan Islands
Replies: 21
Views: 3004

Re: Pension buyout offer

I would start by asking the company how they calculated their estimate and what could change it. Very sensible. Thank you. I just called them. I was told that it is a very complicated calculation that involves lots and lots of factors (in other words, I learned nothing). He insisted that the estima...
by Hayden
Mon Sep 22, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Pension buyout offer

Today I received a pension buyout offer from a previous employer. This is a large government contractor, so I am not worried that the pension would disappear. The choices I was offered (I am single): $29,288 lump sum today Single Life Annuity starting today: $124 / month Estimated Single Life Annuit...
by Hayden
Mon Sep 22, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 2313

Re: wine recommendations for this meal?

A meal like that deserves a different wine with each course!
by Hayden
Tue Sep 16, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: wine recommendations for this meal?
Replies: 22
Views: 1632

Re: The boglehead way to buy furniture

I'm pleased with the furniture we have purchased from Costco
by Hayden
Tue Sep 16, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 4991

Re: Help with a large business decision

Here's a way to think about this: If business is good: - if you buy the equipment, you'll hit your $2 M goal in about 4 years (?) - if you don't buy the equipment, you'll hit $2 M in ? Years If business is bad: - if you buy the equipment, you'll have to slog through a lot of tough years -if you don'...
by Hayden
Tue Sep 16, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1400

Re: Vanguard Lost $50k

OP, I feel your pain. BofA lost over $100k of mine. In my case, they flat out lied to me (they told me my business partner had transferred the money out of the account, which was not true). I did leave BofA after I managed to get the money back. I think the advice of printing everything is correct. ...
by Hayden
Mon Sep 08, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: Employer finding out you have a financial cushion?

Surely it depends on the employer. In my company, my employees deal with our clients on a daily basis. The most important thing to me is that the employees have good judgment. For an employee who manages their own money well, I tend to think they have good judgment. For an employee with money issues...
by Hayden
Mon Sep 08, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8140

Re: Solo 401k for new business

I'm wondering if the answer to this question depends on how the company is organized. Are you a sole proprietor, Schedule C?
by Hayden
Thu Aug 21, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k for new business
Replies: 4
Views: 529

Re: Vanguard Lost My Account

Just wanted to chime in to say that I received the same letter as the OP a couple of years ago. It definitely is unsettling. Agree that Vanguard needs to improve this. For my bank accounts, I use text banking, which I love. Each a.m. I text Hist to the bank, and the bank texts me the last four trans...
by Hayden
Thu Aug 21, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10654

Re: Golf School Recommendations, East Coast?

Unless you are Bubba, you probably need pro lessons to learn to play well.

Check the Golf Digest website for teaching pro rankings in your area.
by Hayden
Thu Aug 14, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Golf School Recommendations, East Coast?
Replies: 11
Views: 705

Re: Sandals or similar?

My last trip to an AI was to Zoetry. Absolutely loved it. It is very quiet, not much to do, so may not be what you are looking for.

Don't know if you are from US or not, so I'll throw out this possibility as well: Sandals in Cuba. It has always intrigued me.
by Hayden
Tue Aug 12, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Sandals or similar [vacation resort]?
Replies: 15
Views: 1367

Re: Liability Matching Portfoloio

I've been trying to figure out how this works if the market drops and you want to balance. Let's say you have $10M, invested 50/50. You are planning for a 50 year retirement, and the $5M is your LMP. So far, so good. Now what do you do when the market drops 20%, 30%, 50%? Do you rebalance? Or sit ti...
by Hayden
Tue Aug 12, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Liability Matching Portfoloio
Replies: 36
Views: 3362

Re: Sandals or similar?

I've been to several Sandals. first thing, they are all different. Different feel, different demographics, different activity levels. So, its important to research the different properties and find the one that is the best fit for you. Second, each property has a ridiculous number of room categories...
by Hayden
Mon Aug 11, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Sandals or similar [vacation resort]?
Replies: 15
Views: 1367

Re: Bedding and bed frame recommendations

I buy that stuff at Costco
by Hayden
Sun Aug 10, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Bedding and bed frame recommendations
Replies: 4
Views: 490

Re: Fear of Disclosing Net Worth

I used to get phone calls that began something like, "since you're an accredited investor". I would always say, no, I am not. They were always flummoxed, as their data said that I was. I take it for granted that people can access this info. I have been required to provide it at various tim...
by Hayden
Sun Aug 10, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8219

Re: Flooring for home gym

I just went to the local ranch store. They had several sizes and thicknesses of horse mats. I bought two, 3/4", 4x6 mats. $39.99 each. They are now off gassing in the garage (they stink!). Much better and less expensive than what the local sports store is selling. I'm thinking about laying plas...
by Hayden
Sun Aug 10, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1309

Re: Flooring for home gym

If you have the means, you have to use 3/8" Rubber Flooring. Same stuff that Lifetime uses....looks tits, and is basically indestructible. We built our house a couple years ago, and it's one of the best things we did. It's so heavy duty, a semi-truck delivered it. I'm not familiar with that pr...
by Hayden
Sun Aug 10, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1309

Re: Flooring for home gym

My son and I just did this. We made an 8x8 area that accommodates the bench, rack and weight stand. We probably overbuilt it but it is 4x8 plywood sheeting sandwiching the 3/4 inch horsemats and surrounded by cedar 2x4s on edge. We topped the whole thing with a couple of thin 4x8 mats from the fitn...
by Hayden
Sun Aug 10, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1309

Re: Flooring for home gym

Rooster1 and Bengineer, Thanks for the tips on horse stall mats. Without bogleheads, I never would have thought of that.

Bengineer, Rooster1 said the smell on his went away after a few months. Was that also your experience?
by Hayden
Sun Aug 10, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1309

Re: How to change funds in Vanguard roth IRA

There are no taxes when you sell a fund within a Roth.

Within the Vanguard website, you do an exchange to sell one Vanguard fund and use the proceeds to purchase another Vanguard fund.
by Hayden
Sun Aug 10, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How to change funds in Vanguard roth IRA
Replies: 5
Views: 377

Re: Advice on setting up home gym

My son used horse mats similar to this in his workout area. http://www.ruralking.com/quality-rubber-4-x-6-rubber-horse-mat-3-4-thick.html I think he even put plywood down underneath it, but then he installed a rack. Thanks! That definitely looks better than what's for sale at my local sporting good...
by Hayden
Sun Aug 10, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1309

Re: Buying a Carpet Overseas

Many times I've seen carpets for sale (very inexpensively) at estate sales. I thing the younger generation doesn't want these things and gets rid of them cheaply. I'm talking older, handmade, well made carpets. That's probably the bogleheads way of buying these things :happy
by Hayden
Sun Aug 10, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Buying a Carpet Overseas
Replies: 14
Views: 977

Re: Buying a Carpet Overseas

I've bought several carpets overseas. I enjoyed the buying experience, and when I look at the carpet I am reminded of the trip.

But, I am certain that I overpaid. I believe you can get better prices in the US.
by Hayden
Sun Aug 10, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Buying a Carpet Overseas
Replies: 14
Views: 977

Flooring for home gym

The previous owner of our house put in travertine tile. There is a small room they used as an office. That room is too small to be functional as an office for me, so I want to put in an elliptical machine and some weights and use it as a workout room. But, I'm worried about the travertine tile. Advi...
by Hayden
Sun Aug 10, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1309

Re: How to find a business manager and/or FT accountant?

To me, this sounds like a systems problem. When my engineering firm was about that size, I invested in a big, expensive, accounting and project management software system. It was a big expense for the small company, but I knew I wanted to grow the company and we would need strong financial managemen...
by Hayden
Fri Aug 08, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How to find a business manager and/or FT accountant?
Replies: 14
Views: 834

Re: your eye doctor; your eyes....

I had and eye scare recently, and so naturally I googled it, and read lots of online advice. The advice that stuck with me was this: Different ophthalmologists specialize in different things. If you pick one yourself and make an appointment, most likely you will be wasting time and $ by not getting ...
by Hayden
Thu Aug 07, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3340

Re: Establishing a SEP - what about terminated employees?

OP here. The company's fiscal year is the calendar year. The company does not currently have a retirement plan, so nothing has been established yet. I hadn't thought about doing a plan year different from the fiscal year... don't know how much of a headache that would be. I just listened to a small ...
by Hayden
Wed Aug 06, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a SEP - what about terminated employees?
Replies: 19
Views: 906

Re: Establishing a SEP - what about terminated employees?

Thank you spectec and ubermax. This is a minefield I don't want to enter. I also researched 401ks and decided that was too much work and expense for my small company (the terminated employees would be eligible there, as well). I think I'm going to establish a SIMPLE IRA for 2014. Since that is based...
by Hayden
Wed Aug 06, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a SEP - what about terminated employees?
Replies: 19
Views: 906

Establishing a SEP - what about terminated employees?

I can't seem to find the definitive answer to this question. I asked Vanguard and Fidelity and got different answers. Here is the scenario: In September 2014, company establishes a SEP. The company had long-time employees who terminated employment earlier in the year. Does the company have to track ...
by Hayden
Tue Aug 05, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a SEP - what about terminated employees?
Replies: 19
Views: 906

Re: How do you document your HSA "stuff?"

I've been wondering about this myself. Since I don't plan to use this money for decades, it's a lot of paper to keep track of over the course of many years. I'm wondering if I can just keep the EOB from the insurance company. It shows the amount I'm responsible for. It also provides good documentati...
by Hayden
Mon Aug 04, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2232

Re: Nanny/Household Employee Payroll Company

I've been researching online payroll providers recently. I've narrowed it down to Intuit and SurePayroll. Intuit has a discounted price if you are a Costco member, so search for it on the Costco website. There are also more pricey options (ADP and Paychex). But I would think one of the lower cost on...
by Hayden
Mon Jul 28, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nanny/Household Employee Payroll Company
Replies: 8
Views: 681

Re: Florida Retirement Communities advice/thoughts

The Villages have a program where you can go and try it for up to a week. We plan on doing that, as well as checking out other properties in FL. I've noticed also that there are lots of homes available for rent on VRBO, so there seems to be lots of options for going down and trying out different pro...
by Hayden
Mon Jul 28, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 24
Views: 2987

Re: A Scenario and 3 questions

As dbr noted, the first, key question is the size of your expenses. Are you certain you have enough? From the way you have worded your question, I'm guessing the answer to that question is yes. I've been wrestling with this issue myself. Whether to actually build a LMP with a TIPS ladder, or just re...
by Hayden
Sun Jul 27, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Scenario and 3 questions
Replies: 7
Views: 557

Re: Here's another "where should I retire" thread

How about Idaho? Coeur D'Alene has beautiful lakes and mountains, and it is close to Spokane, a vibrant city with a good airport.
by Hayden
Thu Jul 24, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6505

Re: Best Coffee Maker? What do you have?

Cousinart Grind and Brew here. It grinds the beans and makes the coffee. I wake up every morning to the sound of the beans being ground. Better than an alarm clock!
by Hayden
Thu Jul 24, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6147

Re: Vanguard Account Owners - has this happened to you?

I've been with Vanguard longer than you, and recently had a bizarre thing happen. A check showed up in my mailbox. Dividends are supposed to be deposited to my money market account, but instead they mailed me a paper check. I called my rep, she didn't know why it happened. I wonder if other folks ha...
by Hayden
Tue Jul 22, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2666

Re: Help me select a streaming media device

We have Roku, Apple TV, and Chromecast. All work fine. Mainly, we watch Netflix. There are some differences in what you can get on each one, so you might want to research what you can get using each device. (E.g., Amazon Prime, specific sporting events, etc). We also take our Roku with us when we tr...
by Hayden
Mon Jul 21, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1864

Re: Just purchased a condo. Insurance question

I would contact the Board and find out what insurance the board carries. That would help you understand what coverage you require. Why not ask one of your board members this question?
by Hayden
Fri Jul 18, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 974

Re: Options/guidance for a lazy person to be fit

A trainer advised me treat 6 times a day. I tried it, and the weight just came off.
I eat only fruits, vegetables, beans, nuts, seeds. (Almost) no processed foods.
But the switch to eating constantly made the difference for me.
by Hayden
Fri Jul 18, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 6114

Re: vacation points program

I attended a timeshare vacation points program from one of the company recently. The company stated that this program is different than the usual timeshare program. You pay for certain number of points at the time of joining and then pay annual fee to be in the program. The point can be used for tr...
by Hayden
Mon Jul 14, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1613
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