Bogleheads.org

I'd consider taking that Formula! Is your user name what I think it is? I assume NHRA (National Hod Rod Association) 2001 Trans Am? The Formula is sitting in a garage IN A BAG and has been for at least 5 or so years. Life gets in the way of having fun. :annoyed I look at it every once in a while. S...

We are a muscle car family. Perhaps my hubby thought he was going to get rich off of these cars some day but that would actually involve him selling something. That isn't going to happen any more than he would sell his right arm. Good intentions have a way of becoming an old wives tale! Our "in...

It will suck that I can't take a girl home,

Learning that a guy lives at home with his parents at your age is a big turn off *typically* so you might not have anything to worry about in that department!

Can't forget that your insurance will increase with the condo being a rental.
Also have to determine if you are going to hire a property management company to take care of it since you will be 100 miles away. Their fees will take a bite out of your monthly rent.

They have no one to go in my place but they want me to sign a 1 year contract so they can re-coop their investment in sending me to the conference. Regardless on what you do the above statement sounds more like an employee based relationship than that of an independent contractor. I don't claim to ...

Glad you found what you needed.
I have a drawer full of the "old style" flip phones. Never knew anyone had a use for them. I would have given you one for free!

Well, I think it is foolish to have paid for a $500 deductible and then not make a claim for $2000...and most likely the foolish part was paying for the $500 deductible. If you are willing to absorb a $2000 loss then why not save on premiums by making that your deductible. A $2000 deductible would ...

In late January as my computer was being turned on my home lost electricity. Once the power was restored my computer would not start up. Diagnosed as a bad power source due to the power surge. Part was replaced but computer wasn't the same and the repair guy thought the hard drive might have sustain...

Does your friend show and title their dogs (breeding stock)? Do they do all of the appropriate health testing on their breeding stock to help ensure the puppies are free from the various health issues that these dogs are known to have? Taking the parents to a vet isn't the same as having serious med...

Listing it on Craig's List as a "Mechanic's Special" will have it gone in days, if not hours.
If it is operational state in the ad that it "runs and drives, but needs work".
My husband is a mechanic and looks for these types of ads daily.

I was a hair designer for 25 years. There has yet to be any type of color (dye or bleach service) that will process *correctly* in less than 20 minutes. Factor in application and you are at a minimum of 25 minutes. It also needs to be shampooed and possibly conditioner applied. Add in another 5 minu...

Best. Dip. Ever. Brick of Velveeta cheese. The good stuff not the 2% variety. Cut the Velveeta into inch sized quarters. Takes about 3 minutes. Put into a crock pot. Add in a can of evaporated milk. Fry up a package of Bob Evan's Zesty sausage. Make sure to get it chopped up pretty finely. Add to th...

I've had a touch less can for about 3 years now. Have yet to replace the batteries and it gets used constantly.....especially since my dog and cat know how to make it open and do so often to entertain themselves. :oops: The only negative is that you will eventually start walking up to random trashca...

Congratulations and continued success on your weight loss journey.

My hubby is a mechanic, owns his own business and services exotic vehicles. He spent 23 years at a local shop (well known), think blimp. Prior to that he spent a short stint at a dealership and couldn't get out of there fast enough. In his experience it didn't matter how well versed you were in auto...

If you are at fault you have no coverage on your vehicle itself and would receive no compensation for it from your insurance company. If another driver is at fault and carries auto insurance then their carrier will be responsible for your compensation. If they are at fault and have no coverage you w...

Don't know how you feel about animals.... I own a pet sitting company and network with about 20 other biz owners in my area. The idea of having a school teacher who is off in the summer months is a topic that comes up often. Also think about using them on holidays, spring & winter breaks. Our th...

No charitable deduction because no property or cash is being donated. I agree with this and just had a similar conversation with my accountant. I am a sole prop. and charge $X amount for services. A neighbor is ill and I provided services to her for free. I am unable to write off what money I would...

I was a hair designer for 25 years. I was an employee on straight 50% commission for 2 years. The next 18 years as an independent contractor and the last 5 years as a co-owner of a salon. The salon was all booth rental and we knew our guaranteed income on a monthly basis. I was never going to get ri...

I like to sit down at my kitchen table and pay my bills. Sure I am spending $5.40 a year to have my cable bill mailed via USPS or less than that when you factor in I get a deduction for my purchase of stamps since my internet service (or a portion of the costs) are a business expense. But that isn't...

So people blame the victim for not going paperless when the company can't put a stamp on a bill once a month? Interesting. I would hate to have you people on the jury trying someone who had assaulted me. [I won't even go to that other crime where the victim is regularly blamed. Really?] I would kee...

I do have a domain name and web site presence for my business. I have a g-mail account as well as others available online for free however.....when I started the business these were not popular choices, heck some were not even in business yet. At any rate what's done is done and all of my business m...

I am on my 3rd moth of not receiving a bill from Time Warner (internet, cable and land line). I'm old school and prefer to do things the old fashioned way. Get a bill, write a check, mail it and be done with it. I know that going paperless is an option but I don't want to have to resort to that if I...

I saw a snippet in a previous thread that stuck in my head but I can no longer find the post nor am I sure why it resonated with me (seen it elsewhere perhaps)? Question is....Two accounts (rollover) Total Stock Market Index Fund Admiral Shares and Total International Stock Market Fund Admiral Share...

I work with animals for a living and will say that this isn't a very popular breed in my area (various reasons). If you do decide to go with this breed make 100% sure that you are dealing with a responsible breeder. One who shows their dogs in confirmation, titles their breeding stock and does all o...

My hubby is a mechanic and we tend to keep cars seemingly forever. I just retired a 95 Olds Cutlass with a little over 300,000 miles on it. It was starting to nickle and dime us to death and that is with free labor! My hubby is a vehicle hoarder. At last count we had 12. Some haven't seen pavement i...

Jeep Grand Cherokee.

Another thankful member here.
I may not understand half of what is discussed here on any given day but it doesn't stop me from reading and learning as I go.

camiboxer , if you are anywhere near the direct contribution limits for Roth IRAs (see here ) then he will need to move that $148K Rollover IRA into the Solo 401k if he plans to make 
 Backdoor Roth IRA 
 contributions. If this is the case, be advised that Vanguard does not allow IRA to Solo 401k r...

I am trying to give my husband a crash course in investing and I am stuck on the asset allocation area. In a nutshell here is what is going on: Currently he has $150,000 with Vanguard in two different accounts from a previous rolled over 401(k) and Roth 401(k). $148k and $2k respectively. Both are s...

Out of curiosity, what were the cons that persuaded you to drop this idea? It wasn't so much the cons but the pros of keeping the accounts separate. Combining the previous 401(k) which is now an IRA with the solo plan would put us closer to the $250K IRS reporting threshold. The longer I can avoid ...

I contacted Fidelity yesterday and got a lot of great information/advice. While they do allow for a rollover from an IRA into their solo 401(k) plans the pros and cons were easily explained and I have decided to forgo my idea of doing so. I was highly impressed with the person I spoke to regarding t...

Vanguard's Solo 401k will not accept Rollover IRAs, but Fidelity's and Schwab's will accept Rollover IRAs. Thanks for that info. I am going to look into this alternative. Vanguard also does not allow any loans from their 401(k) plans. I don't ever see a need for a loan but knowing that it can't be ...

First off, Vanguard concierge could have answered all these questions with one phone call. Give them a try! Tried that however even though we have signed all the necessary forms which grant me access to the account they would not give me specifics since I am not the account owner. I could try going...

I am planning on starting a solo 401(k) for my husband who is the sole employee of his own s.corp. He left his previous employer in Aug. 2011 and we did a rollover of his 401(k) and Roth 401(k) to Vanguard at that time. Due to not being able to make a decision and his lack of interest (knowledge) th...

I own a pet sitting company and have cleaned up too many pet accidents and vomit than any one person should! Spot Shot Instant has never let me down. Available in most grocery stores. At least 75% of the time the application alone removes the stain within minutes without me having to do further work...

I don't feel as if I did anything wrong contrary to some posters. My invoice states the following, handwritten by the salesman: QTY -1 Venders name and item # Description: California King Pedestal Bed w/2 drawers Hardware on pedestal Satin nickel bow handle(incl.) Item price $728 QTY - 1 Venders nam...

ohiost90 wrote:Curious, does the bill of sale itemize the pedestal and headboard with out the frame and foot board?

Yes.

UPDATE

Was prepared to walk away from the purchase altogether but received a call from the store supervisor before I was able to make the request for a refund.
They will be absorbing the entire additional cost and I will receive the bed at original purchase price.

Just received word from the salesperson and they have offered to cover 1/2 the cost and the additional amount due from me would be $193.
I am still on the fence.

Went shopping for a bed yesterday, found what I wanted, ordered it and paid $1496. Delivery in 8-10 weeks (4-6 weeks is more common per the sales person). About 3 hours later the guy calls me and tells me that he made an error in pricing and neglected to include the cost of two additional pieces of ...

I wasn't asking if it was possible, of course it is, I was asking if it was likely that he would hire someone or work with another company. Probably not anytime soon for either. Wow, that sounds shady. Yes, which was why we put off accepting their offer for 10 months. Ohio even allows for companies...

If he incorporates, as an employee of the corp, he would be able to collect WC. That is the law in California, so check the law in your state. Yes, you are correct. I made an error there and if injured on the job currently as an employee of his own corp he could file a claim with BWC. I meant to sa...

Also an oft litigated issue re entitlement to workers' compensation if injured: must be an employee to collect benefits. Another thing that we have added to the mix when considering making the change. We pay into WC however since he is the owner and sole employee of the company he would never be ab...

1. The 15.3% tax you'll pay on that $33,000 it sounds like you currently take as a distribution... so that's roughly $5K a year... sort of. 2. The ability to select a pension option (SEPs, solo 401(k), etc) that works optimally for you guys. 3. The ability to more easily write off business-related ...

I guess my post was a bit misleading. I understand what constitutes contractor versus employee status. He is a legal employee of his own company and the company he works for hires his company. We went this route initially so that the lines would not be blurred. He takes no direction from the company...

I need help in making a decision regarding my husbands employment status. Currently he is the sole employee of his own S. corp. He works FT at one location. That company pays his company the same amount weekly (check made out to hubby's company). He is paid the same amount weekly from *his* company ...

You don't say when your husband left his old employer, and what contributions (if any) he might have made to those plans for the current year. Presumably you/he have not moved forward with opening a Solo 401(k) or other plan for the new company, so don't miss the opportunity to maximize current yea...

OK, the 401K money is sitting in MM Funds [not accounts] in Vanguard account __ ? __ What type? You said "rollover" - does this mean: Regular 401K --> Rollover IRA Roth 401K --> Roth IRA? Yes, the money is sitting in two different money market funds - VMMXX. We were told by Vanguard at th...

A year ago the advice I found here was significant and much appreciated . I have spent nearly every day reading the new topics as well as the info supplied via suggested books and the wiki. I'm embarrassed to admit however that my brain just doesn't work in a way that allowed much of it to make sens...