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Re: Solo 401(k) limits

I don't see why it would raise IRS flags, beyond the general flags they have for the self-employed. With the small amounts of SE income you are dealing with, that risk is probably negligible unless you are already a high net-income individual.
by ossipago
Sun Aug 25, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401(k) limits
Replies: 4
Views: 426

Re: Get 5% back on credit card purchases.

I miss my 5% grocery/drugstore card. Some of us don't buy gas ...
by ossipago
Wed May 15, 2013 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get 5% back on credit card purchases.
Replies: 20
Views: 3179

Re: Fiancee Got Into Med School: Should I Rent or Sell My Co

Thanks for the advice. I see the majority is definitely in favor of selling my condo but I really haven't seen many good reasons as to why. Everyone just says to sell.. I never do things b/c people tell me to do them haha, I try to do things based off reason/empirical evidence so I'm really not con...
by ossipago
Wed May 15, 2013 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fiancee Got Into Med School: Should I Rent or Sell My Condo?
Replies: 35
Views: 2538

Re: Obtaining University Scholarship(s)

The applicant pool at the Top Ivies is such that very high numbers are necessary for admission, but hardly sufficient. You'll be competing with plenty of people with the same or better stats on soft factors like extra-curriculars, admissions essays, interviews, and really unique achievements (e.g. I...
by ossipago
Mon May 13, 2013 2:30 am
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 2660

Re: Audiophile or not??! How much to spend question

One caveat on cables. Out of wall and less than 50 feet - Monoprice is usually the best way to go. Over 15-20 feet I recommend you go with Redmere Technology (especially with thinner cables). The only time I would recommend the higher priced cables is if you threading them through the wall. The ins...
by ossipago
Sun May 12, 2013 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Audiophile or not??! How much to spend question
Replies: 31
Views: 2387

Re: Moving into a 400 s.f. condo?

400 sq ft is not that small for a single person in a nice location. Your amount of belongings shrink or grow to fit your living space, to some extent. You'll be surprised what you consider essential and how much you consider unnecessary if you move to a studio.
by ossipago
Sat May 11, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Moving into a 400 s.f. condo?
Replies: 16
Views: 2089

Re: Assembling Multiple State Returns

When I took a CA non-resident other state credit, they asked for a copy of the other state return. Maybe they are an exception. Just wanted to ask to be safe.
by ossipago
Sun Apr 14, 2013 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assembling Multiple State Returns
Replies: 3
Views: 249

Assembling Multiple State Returns

I'm going to be mailing four finished state returns tomorrow (3 part-year and 1 non-resident), and a question came up about assembly. In particular, when do I need to include other state returns when mailing? I know every state is different, but in general, do I need to include all the other 3 state...
by ossipago
Sun Apr 14, 2013 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assembling Multiple State Returns
Replies: 3
Views: 249

Re: TV recommendation

To further the point about in-store displays - they typically set TVs to obnoxiously high brightnesses to deal with the bright overhead lights. This makes plasmas tend to look worse than LCDs, and it means that the in-store experience won't come close to telling you anything about how a TV will look...
by ossipago
Fri Apr 12, 2013 10:51 pm
 
Forum: Personal Consumer Issues
Topic: TV recommendation
Replies: 34
Views: 1634

Re: Taxes - Last minute fail!

I think you have until USPS closes to mail it off. I believe they even have some extended hours on April 15 for late filers. But honestly, if you don't owe, just use a free online program to file an extension and worry about it later; it you do, you can do the same and cut a check covering the balan...
by ossipago
Fri Apr 12, 2013 2:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes - Last minute fail!
Replies: 13
Views: 1554

Re: TV recommendation

Try and properly gauge the optimal screen size for your viewing distance. E.g. http://us.toshiba.com/tv/research-cente ... -distance/
by ossipago
Thu Apr 11, 2013 5:21 pm
 
Forum: Personal Consumer Issues
Topic: TV recommendation
Replies: 34
Views: 1634

Re: Starter v. Permanent Dwelling

1350 sq ft is small? I think the Boglehead solution here is to buy the place and just make the two kids share a bedroom if and when it comes to that.
by ossipago
Wed Apr 10, 2013 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starter v. Permanent Dwelling
Replies: 6
Views: 639

Re: Living in a "shoebox"

Glad you found my comment interesting. It's a thought that was won arduously through looking and looking for places that would better suit my needs or finances and never finding anything that was even close. I guess you could say I've been defeated by my own desires. I am unwilling to accept the lo...
by ossipago
Sat Apr 06, 2013 12:18 am
 
Forum: Personal Consumer Issues
Topic: Living in a "shoebox"
Replies: 36
Views: 3944

Re: Living in a "shoebox"

I've lived in a 300 sq ft apartment. It was in a great location, and I enjoyed it a lot. I found the space perfectly livable with a futon and a desk with storage; with some creativity, I was able to keep everything essential plus make room for some decently space-intensive hobbies. I think you'll ty...
by ossipago
Thu Apr 04, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Living in a "shoebox"
Replies: 36
Views: 3944

Re: Wedding band durability & long-term costs- gold vs plati

TxAg wrote:Bingo. That's what I have....although I don't really like wearing a ring (love my wife...just not the jewelry)


If you don't like wearing a ring, tungsten carbide is a strange choice - it's very dense. Titanium is very, very light in comparison, and might work better,
by ossipago
Thu Apr 04, 2013 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2264

Re: Wedding band durability & long-term costs- gold vs plati

Cobalt chrome, stainless steel, tungsten , titanium, and palladium are all hypoallergenic, silvery, durable, and much cheaper than gold/platinum. I would advise staying away from tungsten. I heard stories of issues with the metal as a ring, but thought I could make mine last. It lasted about 2 year...
by ossipago
Thu Apr 04, 2013 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2264

Re: Solo 401k contribution question

All your assumptions are correct. So does this mean that it doesn't matter if they're classified as employer vs. employee contributions? Then it doesn't seem to make practical difference. I've read somewhere that businesses are supposed to decide their employer contribution rate prior to the end of...
by ossipago
Wed Apr 03, 2013 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 487

Re: Wedding band durability & long-term costs- gold vs plati

Cobalt chrome, stainless steel, tungsten, titanium, and palladium are all hypoallergenic, silvery, durable, and much cheaper than gold/platinum. Why would you have a white gold band rhodium plated? It's already white and can be finished shiny, satin, rough, or anyway you want. I have a white gold ri...
by ossipago
Wed Apr 03, 2013 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2264

Re: Solo 401k contribution question

I assume you aren't close to maxing the 401k limit from other employment. If you are, these contributions have to be employer contributions.

I also assume these aren't Roth 401k contributions. If they are, I believe they must be employee contributions.
by ossipago
Wed Apr 03, 2013 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 487

Re: Broke New Doctor Needs New Car! How?

Chicago is a great town, and there is no need to own a car there because it has big-city transportation. I agree with others that Zipcar and the CTA trains and buses are ideal for you. Owning a car in a big city is a big, time-wasting pain. Parking in the city is tough and expensive. It is faster i...
by ossipago
Tue Mar 19, 2013 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 4332

Re: Rechargable vs alkaline batteries

Back on task, has anyone had good luck recharging alkaline batteries? I have seen a few chargers claiming to work with alkalines. Sam I Am Don't do it. It has a high risk of creating toxic gas (KOH) and leakage, with low upsides. Recycle them (don't toss them in the trash), or switch to batteries d...
by ossipago
Mon Mar 18, 2013 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Rechargable vs alkaline batteries
Replies: 33
Views: 2692

Re: Rechargable vs alkaline batteries

Thank you everyone for the good advice. Now in true Bogleheads fashion, why wouldn't my Radio Shack battery charger be a "good' charger for Enloops? Reason I am asking is that the 2 year old AA Enloops I have seem to be performing just fine with this charger As I understand it, dumb chargers d...
by ossipago
Mon Mar 18, 2013 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Rechargable vs alkaline batteries
Replies: 33
Views: 2692

Re: Rechargable vs alkaline batteries

I recommend Eneloops even for flashlights and remotes. A major benefit is that the chance of leakage is virtually nil. Alkaline batteries leak all the time, especially when drained, as they often get in items used only occasionally. I had a very nice flashlight ruined in this way by leaking AAs. A h...
by ossipago
Mon Mar 18, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Rechargable vs alkaline batteries
Replies: 33
Views: 2692

Re: New Doctor: Rent or Buy Home in Chicago?

Residents are time-strapped. You may or may not make a profit, but you know one thing for sure: Buying takes up way more time than renting. Do you really want to spend your scant spare time dealing with board meetings or appliance breakdowns? Much less spend even more of your time filling out paperw...
by ossipago
Sun Mar 17, 2013 10:21 pm
 
Forum: Personal Consumer Issues
Topic: New Doctor: Rent or Buy Home in Chicago?
Replies: 47
Views: 2837

Re: New Doctor: Rent or Buy Home in Chicago?

A new definition of "livable"? A smaller apartment? You're going to be working very long hours, and living in a major U.S. metro. How much time are you going to be spending in your residence, really? Get a cheaper apartment - a studio or share - instead of spending $2000+ a month, would be...
by ossipago
Sun Mar 17, 2013 10:04 pm
 
Forum: Personal Consumer Issues
Topic: New Doctor: Rent or Buy Home in Chicago?
Replies: 47
Views: 2837

Re: 401k for students

Because grad students get virtually no benefits other university employees do, including access to a retirement plan. (Despite working longer and doing the menial tasks no professor or administrator wants to touch).
by ossipago
Wed Mar 13, 2013 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k for students
Replies: 3
Views: 261

Re: Quitting job and starting law school in the Fall - help!

I can't recall the date I passed the bar. I will never forget the date I retired: November 9, 2006. FWIW, I did it all. Big law, mid-size, associate, shareholder (aka partner), solo (at the end). Best advice I can give: ditch BigLaw aspirations initially. Get involved politically and snag a job int...
by ossipago
Wed Mar 13, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 9875

Re: Living with Less. A Lot Less (NYTimes Article)

My comment about skis had to to with the cost breakdown that was previously given and how renting for someone who doesn't ski/camp, etc. very often, is far cheaper than owning for the same quality of gear. Sorry, but I think you probably have not read my post carefully and just browsed through it. ...
by ossipago
Wed Mar 13, 2013 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living with Less. A Lot Less (NYTimes Article)
Replies: 74
Views: 10052

Re: Anyone Choosing to Retire in Maryland?

Yes, a lot of NoVA is horrible sprawl. But then you also have Arlington, a national leader in smart growth, which concentrated pretty much all its recent growth around Metro stations without a net increase in traffic. Parts of Alexandria are also doing pretty well in that regard, as are Bethesda, Si...
by ossipago
Tue Mar 12, 2013 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5022

Re: Anyone Choosing to Retire in Maryland?

In greater Wash DC area, you have seen explosive urban growth. Traffic, sprawl, all the downsides. My impression of Northern Virginia is that it is all malls, subdivisions and highways (very limited recent experience) compared to say 35 years ago. Pretty countryside concreted over. And all those pe...
by ossipago
Tue Mar 12, 2013 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5022

Re: Anyone Choosing to Retire in Maryland?

Doesn't anyone ever worry about losing the ability to drive in retirement? I think that is a very significant, but overlooked, element of retiring in an urban area. (And seriously, why do people get so angry over a 5 cent tax? It's FIVE cents, proceeds go to environmental cleanup, and if it's really...
by ossipago
Mon Mar 11, 2013 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5022

Re: Living with Less. A Lot Less (NYTimes Article)

Living like a poor person in a poor country is now hipster, I see. Imagine everyone not buying much at all, and then imagine living in Cuba. But I repeat myself. I find the whole 'atoning for the sins of the environmentally wasteful' thing a bit like wearing a hair-shirt. But that's me. If you like...
by ossipago
Mon Mar 11, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living with Less. A Lot Less (NYTimes Article)
Replies: 74
Views: 10052

Re: Living with Less. A Lot Less (NYTimes Article)

I lived in a 600 sq ft studio apartment while in school. I thought that was the whole point of college so you would not HAVE to live in a studio apartment for the rest of your life. :oops: The guy in the article throws a dinner party for 12? Standing room only? The proportion of studios no doubt co...
by ossipago
Mon Mar 11, 2013 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living with Less. A Lot Less (NYTimes Article)
Replies: 74
Views: 10052

Re: Living with Less. A Lot Less (NYTimes Article)

watching an action movie with ear plugs can damage eardrums. Like I said, if there was a solid second room with maybe some sort of sound proofing, then I can see it working. This is basically a third of a normal studio for two + people. In the real world, this would not work. What does "a thir...
by ossipago
Mon Mar 11, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living with Less. A Lot Less (NYTimes Article)
Replies: 74
Views: 10052

Re: academic papers regarding zombies...

If they weren't so deadly serious, I would have thought this a joke.

It's not totally far-fetched - see this published paper mathematically analyzing zombie infection epidemiology: http://mysite.science.uottawa.ca/rsmith43/Zombies.pdf
by ossipago
Sun Mar 10, 2013 6:14 pm
 
Forum: Personal Consumer Issues
Topic: academic papers regarding zombies...
Replies: 13
Views: 1042

Re: Getting mortgage in 6 mths. Should I get a new credit ca

I only have 1 credit card that I've had since about 2008. . .I've used it from time to time (maybe 4 times a year) to make a $10 or $20 purchase - simply to build my credit. I just had my credit pulled to prequalify for a mortgage and my middle score was 801. As far as I can tell, opening a new cre...
by ossipago
Sat Mar 09, 2013 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting mortgage in 6 mths. Should I get a new credit card?
Replies: 14
Views: 800

Re: Getting mortgage in 6 mths. Should I get a new credit ca

When asking your CC issuer for a credit limit increase, try and get one without a hard inquiry. Oftentimes they'll automatically make an inquiry for such a request, and that will ding your score a small amount.
by ossipago
Sat Mar 09, 2013 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting mortgage in 6 mths. Should I get a new credit card?
Replies: 14
Views: 800

Re: How frequent is it okay? Applying for rewards Credit Car

tj wrote:
First, a hard inquiry stays on your record either 6 months or 1 year


Two years.


Oops, you're right. But I do believe that after 6 months, the number of inquiries starts to have a minimal effect on score.
by ossipago
Fri Mar 08, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How frequent is it okay? Applying for rewards Credit Cards
Replies: 12
Views: 1436

Re: How frequent is it okay? Applying for rewards Credit Car

A new line of credit drops your score in two ways. First, a hard inquiry stays on your record either 6 months or 1 year - I forget. In this case, being an unsolicited offer, you shouldn't get one. Second, it drops the average age of your accounts. The hit obviously depends on your history and the nu...
by ossipago
Fri Mar 08, 2013 2:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How frequent is it okay? Applying for rewards Credit Cards
Replies: 12
Views: 1436

Re: How to prevent others from copying my self-published boo

People can crack almost any kind of DRM, including Kindle. The best thing to do in addition to provide value-add for paying customers is to price low enough that it's not worth it to pirate. Some people with download it without paying anyways - with low prices you can catch the people who want the i...
by ossipago
Thu Mar 07, 2013 7:28 pm
 
Forum: Personal Consumer Issues
Topic: How to prevent others from copying my self-published book?
Replies: 17
Views: 1662

Re: What to do with $20k

I agree - I'm also a fan of using a Roth as a savings account in this situation. Contribute as much as you can, keep it in a money market fund or CD, and draw it back out if you really have to. If you do, you're not much worse off than having kept it in a conventional savings vehicle; if you don't, ...
by ossipago
Sat Mar 02, 2013 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $20k
Replies: 23
Views: 2696

Re: Buying an "investment" condo II

I'm almost certain that the first suggestion is going to be to pay down the car with your cash, if it has an interest rate above 2%.
by ossipago
Sat Mar 02, 2013 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying an "investment" condo II
Replies: 6
Views: 963

Re: That Frugal Thing You Do

Coffeemaking- I inherited a Keurig machine. I love it, but those K-cups are rather expensive (I'd guess roughly $0.75 each). I could buy a reusable K-strainer (permanent K-cup) but why bother? I simply remove the used coffee from a used K-cup, fill it with any ground coffee lying around, cover with...
by ossipago
Fri Mar 01, 2013 7:20 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 96613

Re: Pentagon Federal loan rate increases

Raven2 wrote:Let's hope that their interest rates for deposits will increase by the same percentage. Not likely though


Nope, in fact, they decreased (compared to last month): https://www.penfed.org/Money-Market-Certificate/
by ossipago
Fri Mar 01, 2013 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pentagon Federal loan rate increases
Replies: 2
Views: 560

Re: Nursing as a career: Bogleheads' perspective?

All I can add is that the nurses I know seem to enjoy (seemingly) recession-proof and portability qualities that most jobs don't have. The field is not completely recession-proof. Like all fields, recession leads to uncertainty that decreases retirements, and new graduates suffer as a result: http:...
by ossipago
Fri Mar 01, 2013 4:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Nursing as a career: Bogleheads' perspective?
Replies: 34
Views: 3135

Re: Which Med school?

I'm not completely speaking as an amateur - my job requires me to know a fair bit about health and education policy. The match rates for individual derm and rad programs are on the order of 1-2%. So these programs will be interviewing more people with top grades and board scores than they have slots...
by ossipago
Fri Mar 01, 2013 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12777

Re: Solo 401K TurboTax calculation

I believe there is a total yearly solo 401k contribution limit of 51,000. You seem to be running up against that cap.
by ossipago
Thu Feb 28, 2013 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401K TurboTax calculation
Replies: 7
Views: 1162

Re: Which Med school?

As I understand it (almost-doctor here - not an expert), elite private schools have another advantage: More and better access to high-profile research. Publications of some sort are pretty much required for competitive residencies such as dermatology or radiology. Research is helpful, but like appl...
by ossipago
Thu Feb 28, 2013 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12777

Re: Which Med school?

As I understand it (almost-doctor here - not an expert), elite private schools have another advantage: More and better access to high-profile research. Publications of some sort are pretty much required for competitive residencies such as dermatology or radiology.
by ossipago
Thu Feb 28, 2013 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12777

Re: census - seriously?

I don't see that it is required by law. The Census Bureau employees are bound under penalty of law to not disclose the provided information. Where does it say, your response is required by law? ... ----Jim Look under "Why You are Selected": "Do I have to answer these questions? Yes. ...
by ossipago
Thu Feb 28, 2013 9:52 pm
 
Forum: Personal Consumer Issues
Topic: census - seriously?
Replies: 18
Views: 1253
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