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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: 502

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: 10377

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: 699

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: 1342

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: 3187

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: 1342

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: 468

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: 8110

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: 1266

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: 1266

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: 1266

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: 1266

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: 367

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: 1266

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: 937

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: 937

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: 1266

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: 817

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: 3273

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: 874

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: 874

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: 874

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: 2147

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: 593

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: 2946

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: 542

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: 6396

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: 5889

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: 2649

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: 1834

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: 963

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: 5890

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: 1592

Re: Review the 401k proposal i received

So, for a 4 employee, you as employer are paying one time $1500 and $960 per year. You can claim upto $500 for first two years for the initial setup fee. Also, did they say that match from employer can go to Roth? I have not heard of employer match in Roth until now. That would be my question of cl...
by Hayden
Mon Jul 14, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review the 401k proposal i received
Replies: 10
Views: 872

Re: retirement plan setup (medical practice, consulting)

I know no one has commented yet on this, but for the benefit of anyone else who may be reading, I wanted to give an update. It seems that you cannot set up 2 different retirement plans for 2 different businesses, even if you are a w-2 of one of them and you are offering benefits to the other employ...
by Hayden
Mon Jul 14, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement plan setup (medical practice, consulting)
Replies: 7
Views: 762

Re: Review the 401k proposal i received

So, for a 4 employee, you as employer are paying one time $1500 and $960 per year. You can claim upto $500 for first two years for the initial setup fee. Also, did they say that match from employer can go to Roth? I have not heard of employer match in Roth until now. That would be my question of cl...
by Hayden
Mon Jul 14, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review the 401k proposal i received
Replies: 10
Views: 872

Re: Review the 401k proposal i received

Are you looking for maximum flexibility? If so, why not move the entry date to semi-annual: January 1 and July 1. Again, if you're looking for max. flexibility, add 1000 hours requirement to the profit sharing allocation requirement. Even if you fail the coverage test, they should have a mechanism ...
by Hayden
Mon Jul 14, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review the 401k proposal i received
Replies: 10
Views: 872

Re: Review the 401k proposal i received

There are so many questions to ask. These are just off the top of my head: Do you have a plan now, or will this be your first plan? Is Paychex just the TPA? If so, who is the custodian? Does the setup fee include drafting the plan document? What if the plan document needs to be amended down the roa...
by Hayden
Mon Jul 14, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review the 401k proposal i received
Replies: 10
Views: 872

Review the 401k proposal i received

My S Corp uses Paychex to process payroll. I just spoke with Paychex, and received this verbal proposal. Please let me know what you think, and have I missed anything. Safe Harbor Plan. The company matches 100% up to 3, then 50% up to 5 (4% total match). EE eligibility: employee must work 1000 hours...
by Hayden
Mon Jul 14, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review the 401k proposal i received
Replies: 10
Views: 872

Re: solo 401k

This idea of funding the solo 401k from retained earnings is very interesting to me. So, if I can't do solo 401k this year because I have employees this year, I can just leave the $ in the company, and use the retained earnings to fund the solo 401k for next year. I just ran tax caster and it worke...
by Hayden
Mon Jul 14, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: solo 401k
Replies: 23
Views: 1767

Re: solo 401k

This idea of funding the solo 401k from retained earnings is very interesting to me. So, if I can't do solo 401k this year because I have employees this year, I can just leave the $ in the company, and use the retained earnings to fund the solo 401k for next year. I just ran tax caster and it worked...
by Hayden
Mon Jul 14, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: solo 401k
Replies: 23
Views: 1767

Re: Your net worth/investments when you started saving less

It hasn't happened to me yet. I'm guessing, for me at least, it will be a combination of age and net worth. Regardless of my net worth at 50, splurging is hard. From what I've observed in my friends, this is easier at 80.
by Hayden
Sun Jul 13, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2413

Re: Merton: 401(k) retirement plans face crisis

The problem I'm having is how to operationalize this in an early retirement scenario. Let's say someone is age 50, has managed to save $10M, invested 50/50. This person has more than enough. What is the recommendation for this case? I'd love to buy an annuity and be done, but the conventional wisdom...
by Hayden
Sat Jul 12, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Merton: 401(k) retirement plans face crisis
Replies: 188
Views: 17535

Re: Karen, single, 61, $2 million.

I thought the answer was to delay SS to age 70 and live on taxable assets. Also, consider buying a SPIA at age 70 or later.

What did Edelman say?
by Hayden
Fri Jul 11, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3753

Re: Decorator or item-by-item provider?

I've spent a lot of time and money on window coverings, with varied results. The last time, I went to a showroom in a nearby town (not my town). Big, nice place. I asked them if they knew who was the best for installing window coverings in my town. They called the distributor who knew everyone in th...
by Hayden
Tue Jul 08, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Decorator or item-by-item provider?
Replies: 2
Views: 517

Re: Which house should we buy?

Personally, I like 3.5 baths versus 2 baths. I don't like to have guests use the family bathrooms. Shorter commute is also important. How do the school systems compare?
by Hayden
Mon Jul 07, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Which house should we buy?
Replies: 11
Views: 1282

Re: Longevity Insurance now allowed in IRA/401k/etc.

To me, this isn't just about the math. Although I currently enjoy reading Bogleheads every day and managing my portfolio, I'm guessing I won't want to be doing that at age 90. I'm guessing that future me will prefer to have an annuity to make things simpler. Also, I don't have dependents, so that ma...
by Hayden
Wed Jul 02, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 5350

Re: Hitting "The Number" too early

I hit my number at about the same age as you. I did it by working constantly to the detriment of my health. When I hit my number, I started cutting back on the hours worked, to devote time to exercise and healthy eating. Perhaps you could cut back on work to devote more time to things that you value.
by Hayden
Wed Jul 02, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5432

Re: Hit our number, should we change our asset allocation?

This is something I've been wrestling with also. Personally, I'm at 50/50, and I've been thinking about taking stocks lower. However, all my stocks are in taxable accounts, so selling them would trigger capital gains. That's the main thing holding me back.
by Hayden
Mon Jun 30, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Hit our number, should we change our asset allocation?
Replies: 34
Views: 2782
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