Search found 182 matches

Return to advanced search

Re: Expensive med. test not covered by insurance

This problem is one reason I love my Kaiser HMO insurance plan . As long as I'm getting care in a Kaiser building, the doctor / lab / etc is always in-network. I have never had an annual deductible on my plan, nor is there any coinsurance (percentage of cost). Just premiums and fixed copays for ser...
by soccerdad12
Wed Apr 16, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3648

Re: Vitamins instead of prescription meds?

https://www.google.com/search?q=vitamin+studies#q=vitamin+studies&tbs=qdr:y I am not talking about multivitamins. I am talking about specific vitamins for a specific issue. I don't know what the answer is and that I why I ask others experience. Vitamins generally are alot more expensive than ge...
by soccerdad12
Mon Mar 31, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 563

Vitamins instead of prescription meds?

I am conflicted on trying to treat with vitamins rather than prescription meds for non-essential medical conditions. There is so much information on the internet that it is really hard to know what to believe. For instance, I am thinking of having my teenager with an acne issue try Vitamin B along w...
by soccerdad12
Mon Mar 31, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 563

Re: Death of co-worker

Death definitely makes you think twice about your plans. One of the most important things to me is that I like my work. Working has some enjoyment in and of itself. I can't imagine hating my job and can't waiting for the weekend. A lot of weeks I look forward to what the work week will bring. Everyo...
by soccerdad12
Mon Mar 31, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9278

Re: The Estate lawyer cost us big

I have an interest in this topic. Help me understand how the size of the estate is a major factor. I understand the complexity being a major factor. If someone has $1M in one Vanguard fixed income fund, or a CD, and another person has 5K it seems the attorney's work is somewhat similar. I have thou...
by soccerdad12
Fri Feb 21, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8891

Re: USAA Auto Insurance?

That said I may move when my son gets older and drives if USAA still won't issue me an umbrella policy (I just don't like having auto with one carrier and umbrella with another). Why would USAA turn anyone down for an umbrella policy? I don't remember them even asking me any questions other than th...
by soccerdad12
Thu Feb 20, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 2990

Re: Sales Professionals Advise A Young Professional

Do you have an accounting degree? Do you currently work as an accountant/auditor etc...?
by soccerdad12
Thu Jan 30, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sales Professionals Advise A Young Professional
Replies: 8
Views: 807

Re: S Corps, health insurance, and ACA

1. S-corp maintains a company medical insurance plan, and offers coverage to all eligible employees on a partial cost-shared basis. Owner opts for coverage, and company pays premium. None of the employees opt for coverage. Owner is the sole covered employee under the plan. Don't think this is an op...
by soccerdad12
Thu Jan 23, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: S Corps, health insurance, and ACA
Replies: 16
Views: 1184

Re: 1099 [1099-MISC contractor vs employee status]

Alot of times companies will pay 1099 contractors a higher hourly wage than a hourly W2 employee because they don't have the associated burden (workers comp, FICA, FUTA, SUTA etc...). Did you know that you were being paid as a 1099 contractor when you took the job? Are the wages higher than other no...
by soccerdad12
Mon Jan 20, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 [1099-MISC contractor vs employee status]
Replies: 8
Views: 546

Re: Target Breach, Updated

I received this email from Target yesterday: Dear Target Guest, As you may have heard or read, Target learned in mid-December that criminals forced their way into our systems and took guest information, including debit and credit card data. Late last week, as part of our ongoing investigation, we le...
by soccerdad12
Thu Jan 16, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4269

Re: Investing in a food truck

Those are all great points. This guy is trustworthy and, as someone pointed out, the upscale foodtrucks in my area are almost all credit card based. The guy is young (late 20s), grew up in the restauant industry with his parents owning an upscale restaurant as a chef. He has a college degree from a ...
by soccerdad12
Mon Jan 06, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2344

Re: Investing in a food truck

The plan would probably to be exactly as you described. Foodtruck to build brand, then launch restaurant, then launch multiple restaurants and finally franchise. Small dream... I know. The operator's family has owned a mid-upscale restaurant recently and he worked there so he is familiar with the re...
by soccerdad12
Fri Jan 03, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2344

Re: Investing in a food truck

I would put up the money and a seasoned restauarant guy/chef would actually operate it (I know him thru a friend). I bought a book on the economics of food trucks. The operator is great front of the house and also as chef. He also has friends that own food trucks so he has good real information on t...
by soccerdad12
Fri Jan 03, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2344

Investing in a food truck

Anyone have any experience investing in or working with food trucks? I am considering investing in a start up food truck biz and thought someone here might have personal experience in it on the ups/downs, considerations, gotchas etc....

Thanks!
by soccerdad12
Fri Jan 03, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2344

Re: Annual termite inspection / retreatment. Stumped in Rale

Try: www.etheridgepestservices.com/

I think they cover from Clayton to Chapel Hill.

Guy in my office used them and said they were fantastic and very thorough.

They are the #1 rated provider on Angies List in the Raleigh area too.
by soccerdad12
Thu Oct 24, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 2637

Re: Non qualified deferred compensation plans

How do you get to $51k in a 401k?
by soccerdad12
Thu Oct 24, 2013 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Non qualified deferred compensation plans
Replies: 9
Views: 827

Re: Non qualified deferred compensation plans

I have researched this same issue and never found a good answer. The problem, I found, with the insurance policies is that the load is so darn high on them that I can't stomach doing it. I also would love to know what others have done on this topic.
by soccerdad12
Thu Oct 24, 2013 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Non qualified deferred compensation plans
Replies: 9
Views: 827

Re: HDHP vs Traditional; enrollment period; time to decide

HDHP are fantastic for people that consume alot of healthcare services. In my experience, when you hit the max then you are 100% covered. I hit the max every year and everything after that point doesn't cost me anything. Someone in my office is on the HDHP as well and ended up being in the hospital ...
by soccerdad12
Thu Oct 17, 2013 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Traditional; enrollment period; time to decide
Replies: 20
Views: 1724

Re: Best technology to know for independent contractors?

The best thing to know (and generally the highest paid) is a combo of technical work in a specific functional area. Ex: become an expert at financial systems by understanding the functional side of what it does, why it does, be able to interact with the users (CFO/controller) and also have the techn...
by soccerdad12
Tue Sep 03, 2013 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best technology to know for independent contractors?
Replies: 12
Views: 1149

Best online values for new laptops?

I am looking to buy a new Windows 8 laptop. Any idea of the best reputable "deal sites" on the web that show the best current deals on laptops?

Searching the web I come up with alot of these type of sites, but I am concerned that some of them might not be legit.

Thanks!
by soccerdad12
Thu Aug 15, 2013 10:48 am
 
Forum: Personal Consumer Issues
Topic: Best online values for new laptops?
Replies: 18
Views: 1690

Re: 20 year anniversary trip

We will go in September this year. Now that I think about it.... London and Paris might be perfect. My wife is a HUGE tennis fan. We went to the US Open last year and she couldn't get enough. In London we could visit Wimbledon and in Paris we could visit Roland Garros. The tournaments wouldn't be go...
by soccerdad12
Tue Jun 04, 2013 2:18 pm
 
Forum: Personal Consumer Issues
Topic: 20 year anniversary trip
Replies: 12
Views: 799

Re: 20 year anniversary trip

I was thinking maybe 10 days and visit 1 or 2 countries (1 or 2 cities in each country). I was hoping someone had some good experience so it would provide a guide as to how to map it out since the possibilities are endless.
by soccerdad12
Tue Jun 04, 2013 1:15 pm
 
Forum: Personal Consumer Issues
Topic: 20 year anniversary trip
Replies: 12
Views: 799

20 year anniversary trip

My 20 year wedding anniversary is coming up and I want to plan a nice vacation for me and the wife to celebrate. I am thinking something outside the US, but not Caribbean (we just went there). We have never been to Europe so I thought that would be nice. Any suggestions on a nice 20 year vacation pr...
by soccerdad12
Tue Jun 04, 2013 12:10 pm
 
Forum: Personal Consumer Issues
Topic: 20 year anniversary trip
Replies: 12
Views: 799

Re: Training for a 5K

What do you think about running with a heart rate monitors to ensure you are in the proper zone and not over exerting? I have never done it, but have thought about trying it to see if it will help me keep my pace longer and not get so winded.
by soccerdad12
Fri May 31, 2013 11:48 am
 
Forum: Personal Consumer Issues
Topic: Training for a 5K
Replies: 67
Views: 2955

Re: One doc's interesting revolt against the payment system

I assume that compensation chart isn't accurate for those doc's that work directly for and at a hospital, as opposed to those with their own practice? If I don't have my own practice, building upkeep, billing, computers etc... then I would assume the compensation would go way, way down. That chart i...
by soccerdad12
Fri May 31, 2013 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: One doc's interesting revolt against the payment system
Replies: 65
Views: 5522

Re: One doc's interesting revolt against the payment system

That surgery center in OKC looks awesome. Wish I had one near me! I wonder what the local hospitals think of that place?
by soccerdad12
Thu May 30, 2013 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: One doc's interesting revolt against the payment system
Replies: 65
Views: 5522

Using Cell Phone in Bahamas

I traveling to the Bahamas very soon. I have AT&T service. I have read that using the AT&T plan there and texting/calling is very expensive. The resort will have wifi (not cheap at $20/day). I have kids at home that we want to be able to stay in touch with via text (will call on voip at nigh...
by soccerdad12
Tue Apr 30, 2013 9:37 am
 
Forum: Personal Consumer Issues
Topic: Using Cell Phone in Bahamas
Replies: 7
Views: 1089

Re: State Tax: Working remotely, moving to a lower tax state

You pay state taxes based on where the work is PERFORMED, not where the company is LOCATED. If I work remotely from my house in NC, but the company I work for is located in GA then I pay NC taxes.
by soccerdad12
Mon Apr 29, 2013 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: State Tax: Working remotely, moving to a lower tax state
Replies: 28
Views: 1461

Re: Please help me reduce my taxes

A year ago you said you were 41 years of age, a "high earner", "heavy saver", and had a portfolio of $750k. Something in all of this doesn't quite ring true. Why is your portfolio only $750k? Are you worrying too much about reducing taxes and investing in foolish places such as ...
by soccerdad12
Wed Apr 10, 2013 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2285

Re: Please help me reduce my taxes

I am trying to reduce tax burden, not to pay that same burden earlier. So, you're trying to get out of paying the "burden" at all?? How very nice if you. "Tax burden" is a pretty common term describing the amount of taxes one has to pay. It doesn't have a negative connotation. A...
by soccerdad12
Tue Apr 09, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2285

Re: Please help me reduce my taxes

This sounds like a bogus question to me. Surely anyone with 150 posts over the last year and 3 months has been around this site long enough to know the legal and ethical ways to minimize taxes. (or at least the ways to research the issue) You might want to be careful with your responses. Vic Defini...
by soccerdad12
Tue Apr 09, 2013 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2285

Re: Please help me reduce my taxes

Owing alot generally means I made alot. Can't complain too much there.

I am trying to reduce tax burden, not to pay that same burden earlier.
by soccerdad12
Tue Apr 09, 2013 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2285

Re: Please help me reduce my taxes

Not sure what other information is needed. I am sure there are Bogleheads out there that do things that help them reduce taxes. For example, my CPA said some people invest in offshore drilling rigs which, for whatever reason, makes your investment 100% tax deductible. Invest $200k in 2013 and your i...
by soccerdad12
Tue Apr 09, 2013 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2285

Please help me reduce my taxes

Just got my federal and state taxes completed thru my CPA firm and the amounts owed are pretty large. I know that is a good problem to have, but I feel the need to try to reduce them next year. Other than charitable contributions (I already do a bunch of those each year), does anyone have any good w...
by soccerdad12
Tue Apr 09, 2013 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2285

Re: Leaving equal inheritance value to all kids?

Would it be terribly wrong to give the doctor a lump sum in cash, teacher a lump sum in cash and buy the job hopper a lifetime annuity for the same amount as the lump sum the other 2 received?
by soccerdad12
Fri Apr 05, 2013 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving equal inheritance value to all kids?
Replies: 71
Views: 3976

Leaving equal inheritance value to all kids?

What are everyone's thoughts on leaving each child heir the same amount of inheritance no matter their personal situation? I know this is an area with many viewpoints and personal opinions, but I am trying to think forward for my end-of-life planning. For arguments sake, say you have 3 grown kids an...
by soccerdad12
Fri Apr 05, 2013 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving equal inheritance value to all kids?
Replies: 71
Views: 3976

Re: Whart smartphone should I get?

I would get the Nexus 4 (buy straight from google store for $299). Then I would put it on straightalk (uses AT&T network) for unlimited web, text and minutes for $45/month. That way the employer pays for 100% of phone and 100% of monthly services!
by soccerdad12
Thu Mar 21, 2013 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22219

Re: Bank fraud on my business account; left high and dry by

I have found business checking/bank accounts very distasteful. My company puts many millions of dollars thru a mega bank every year and they don't treat us well at all. Everything is a battle. Here is big business banking at its worst: A couple of years ago this bank pushed their fraud product reall...
by soccerdad12
Thu Feb 28, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank fraud on my business account; left high and dry by bank
Replies: 37
Views: 3392

Re: Can I retire comfortably?

I would rather not go into specifically what my business is, but what I can tell you is that it is decent size now (we have hundreds of clients in 30+ states) and I have managers that can handle all of the day-to-day to increase the business. I have invested most of my time over the years in leaders...
by soccerdad12
Fri Feb 15, 2013 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

I wouldn't be eliminating risk, just spreading it out over thousands of companies over multiple continents in many different industries. Isn't that the Boglehead way? :beer
by soccerdad12
Fri Feb 15, 2013 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

The enterprise revenue is much larger than $3M / year. If I could hire someone for $250k to 100% confidently run and grow the business the way I do then I would hire them in a New York minute. Alas, that person is EXTREMELY hard to find. That still wouldn't address my issue of a $3M bird-in-the hand...
by soccerdad12
Thu Feb 14, 2013 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

To complete the loop I thought I would post back what I have decided to do. I am going to ride it out for 2-3 more years. I will be able to have very high income for a couple more years and very sure that I can increase my personal payout on the business by an additional $1M in that time as the reve...
by soccerdad12
Wed Feb 13, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

I already have the kids college paid for. That isn't an issue. My youngest will be in college within 4 years, so I have already incurred most of the costs for the kids. Social security is another issue. I don't want to get political, but I am not counting on any as it very well could be means-tested...
by soccerdad12
Thu Feb 07, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

Can you find a buyer that would want to keep you on as an employee for a couple of years and continue leading the business? That is definitely what they would want to do, but not what I would want to do. I never said I didn't like my work or that I needed something less demanding. To tell you the t...
by soccerdad12
Thu Feb 07, 2013 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

I have about $200k left on the mortgage. I could pay it off in the next month if I wanted (it is dividend time), but for some reason I hesitate to do that.
by soccerdad12
Thu Feb 07, 2013 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

Here is the real rub of the whole thing.... I only have about $1.5M currently. The other $2.5-$3M (after tax) would come from the sale of my business. I could sell it easily and get that amount right now. It has grown every year for 10 years and based on current conditions I don't see the growth sto...
by soccerdad12
Thu Feb 07, 2013 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Can I retire comfortably?

Currently I am about 75% stock/25% bonds. Although I look at the stock market about once per week, swings up and down don't bother me a bit. The $100k/year includes all of our living expenses. Working a couple of extra years actually could make a large difference to me. I max out all of my retiremen...
by soccerdad12
Thu Feb 07, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Can I retire comfortably?

Here is the situation that I am confronted with.... Can I retire comfortably at age 44 with $4M? 3.5M is in after-tax accounts. I would not want to go back to work after I retire... instead probably help out with non-profits, etc... If I felt there was a chance I would have to go back to work, I wou...
by soccerdad12
Thu Feb 07, 2013 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: Ideal Portfolio Size for a 27 y/o to retire in 10-12 yea

I am in a similar situation as you if you fast forward your life about 14 years. I have mid 7 figure in assets (not including my house) and am considering retiring at 45. I don't know your personal situation, but a spouse and kids can definitely make a huge dent in your plans. By the time I am 45, m...
by soccerdad12
Fri Jan 25, 2013 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Ideal Portfolio Size for a 27 y/o to retire in 10-12 years
Replies: 13
Views: 1780

Why not start a bogleheads radio show/podcast?

I love the Clark Howard radio show and download the podcast everyday and listen to it to and from work. I think it would be awesome if there was a Boglehead radio show/podcast done (even weekly) that allowed people to call in and ask questions. The best part of Clark Howard is that he is product agn...
by soccerdad12
Tue Jan 15, 2013 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why not start a bogleheads radio show/podcast?
Replies: 8
Views: 821
Next

Return to advanced search