Bogleheads

Go to www.apbook.com and find out your state's regulations. The 401k as an ERISA entity is fully protected in bankruptcy. Whether it is protected from seizyre outside of bankruptcy is yet to be determ ...

Plasmas are $300-400 cheaper. Somewhat thicker and heavier. Some complain of an audible "hum". Higher power consumption and run hotter. Blacks darker. Better for action movies and sports. I ...

Anyone out there using a phone purchased alone and having your cell number transferred? I like Smart phones: I just don't need the internet access and extra charges.
How about Google Droid...any user ...

How many Bogleheads think HSAs will survive Health Care Reform?

Have the former insurance agents and attorneys out there seen judgments above the limits of the umbrella policy? Do the judgments seem to be for the max amounts of the policy? Much of the benefit fro ...

Virginia has some nice wine tasting tours. So does Northern Michigan. Of course Napa and Sonoma valleys are the ultimate.

Ha any one funded a private scholarship or made contributions to a institutional scholarship for their college alma mater?

How are losses in a UGMA/UTMA fund handled? I know the CG are taxed under Kiddie tax rules and the accounts are custodial. The accounts are considered to be parental assets on the FAFSA for college ne ...

I am hoping to become Medical Director of a hospital 5 doc Occupational Medicine dept in the next 1-2 years. Other than running my own practice for several years, no real management experience esp. at ...

They are requiring incorporation? and only a S-corp ? Very strange. Maybe they don't want to run afoul of the IRS when they re-designate you as an employee.

Realty Agents work for the seller not the buyer.

BAYONETS!!!!!! Jeff Daniels as Joshua Lawrence Chamberlain in "Gettysburg" just before they charge down Little Round Top

We already have the American Opportunity Tax Credit. Tax managed , long term mutual funds would function just as well and be more flexible.

Without state tax deductibility, 529s don't add up to much... no TLH, funded with after tax dollars and locked in long term. Plus the tax laws have changed so much since my kids were little, makes lon ...

I will be having a large amount of part time income next year as W-2 income. If the payor doesn't offer a retirement plan, can I still put this money into my solo 401k?

"Slackers!!!!!" .... Back to the Future, Part 2

I am looking for an high interest bearing account to sweep into all the funds she will need for college. The account will hold contributions from 529, UTMA, earned income until time to send in tuition ...

Don't worry...by the time they reach High school, they will be so obnoxious you'll wish they were gone.

My wife and I are planning a repeat trip to San Francisco in October this year. Did the Monterey/ Big Sur/Muir Woods/Napa thing last year and loved it.
Will be staying in San Fran for 3 days then re ...

From the site: apbook.com
"The LLC acts of Delaware, Iowa and Oklahoma provide for the creation of separate protected “cells” (‘series’) within one limited liability “container” (the ...

LLCs are companies not corporations, a very common mistake. LLCs protect the members from outside liability, but not personal negligence. Professionals ( lawyers, doctors, accountants)cannot protect t ...

To my Midwest eyes, the drive from Monterey to Big Sur was heaven. Any suggestions on driving north from San Francisco? Where are the Redwoods?

Trusts do not pay estate tax. Yes, they pay income tax.

You should be the beneficiary of a Life Insurance policy?

Change the beneficiary to the Trust. The IRS shouldn't care.

Depending on state, a LLC is almost always best. Low paperwork and documenting requirements. Did you really mean " for investing purposes"?
A LLC is not a corporation, it is a company. Watc ...

Life Insurance should always be held in a Irrevokable Life Insurance Trust. Trusts don't pay taxes, only people do. Keeps the proceeds out of the Estate. Need a dedicated trust checking account to p ...

There are no "do-overs" in retirement funding. Usually a parent can find financing alternatives or grants/scholarships for college.
529s are great in high tax states or with sufficient tim ...

After 20 years of private practice, had to leave two years ago due to burnout. Became increasingly hostile to the insurance requests, lawyers and drug reps. When another opportunity came along, grabbe ...

Get an Energy Audit. Likely it will not recommend extra ceiling insulation as cost effective.

Bob Mathias

If the SEER rating is less than 16, a unit will not qualify for tax credit. Most condenser units alone will not qualify. Maybe replace furnace too to snag the tax credit

What's your current tax bracket? The current HSA deduction is "above the line"and more useful.
Many healthy people use their own funds to pay the medical bills and allow the HSA to compound ...

My family is planning a Christmas time trip to somewhere warm. Need some nightlife for the single, twenty-somethings, beachs, snorkeling, scuba. Considering Bahamas, Grand Cayman, Turks and Caicos. An ...

Get an energy audit first. Our 15 year old high end Pellas lost very little heat, but the area around the windows lost a lot.
Most of the heat loss was from the foundation, duct work and ceiling.

Agree the entity is dead and gone.

Yes, both the premiums and the HSA contributions are above the line. An HSA is an IRA on steroids.
I would guess health care reform will remove most HSA benefits, so do it now.

I would recommend this tutorial for great low impact low back exercises: http://www.sportsrehabexpert.com/public/195.cfm?sd=2

I think patients would be astounded by how little medical science knows about back pain and how poorly modern treatments work.
MRI is a wonderful tool, but abnormalities on MRI are generally useless ...

Swenson shouldn't care anything about muni bonds, the Yale endowment pays no taxes.
Note he recommended only 30% in the US stock market. No commodities.
He also seemed to be recommending direct TI ...

Anyone in this forum suffer from chronic low back pain? What physicians/exercise/interventions helped? Anyone on Disability due to chronic LBP or sciatica? Sad

Read Larry Swedroe's book on alternative investments: read his chapter on the subject of EIAs and see if you still like them. He would recommend decreasing your stock market exposure to 20-30% which ...

Higher cancer rates ( from smoking), higher domestic violence ( go figure), higher heart-related death ( obesity, inactivity), higher suicide/homicide rates. The higher mortality/morbidity reached all ...

Unemployment for any reason increases all-cause mortality. Early retirement greatly increases the risk of early death, even when the unemployment was not for disability related reasons.
Something ...

All types of sitting stress one muscle or another, making any particular chair design kinda worthless. Changing positions regularly and avoiding prolonged and/or repeated flexion ( forward bending) se ...

What you should do depends on your type of employment and income. Read Tony Onink's book, Strategy and Simplicity.

Umbrella Insurance puts a highly motivated attorney on retainer. Everyone here is concerned only about the final judgment, the attorney fees alone can be crushing.
Umbrella insurance also goes a long ...

My PDA is ancient and fading fast. Should I get a Blackberry or wait for Verizon to get on board with the iPhone? Hear Samsung has a good product.

You can use up to $3000 against ordinary income after ST/LT gains. Rumor has it, this is going to 10k in the next few years.

I would like to hear some Bogleheads stories about the college financing process. What was your impressions about the FAFSA, Pell grants, college Financial Aid officers, etc?

How do I do work except"personally"? Is there any other way? What entity cashes the check? Who is it made out to?