Search found 988 matches

by Hayden
Sun Dec 17, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Small business website as good as Bogleheads.com?
Replies: 7
Views: 862

Re: Small business website as good as Bogleheads.com?

I would gladly post my questions here but they don't seem to fit what he forums are about. I didn't want to be 'that guy' cluttering up the board with off-topic posts. Is there a forum here that it would be ok to post tax questions for a small LLC? Many people post such questions on Bogleheads on t...
by Hayden
Fri Dec 15, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How can independent contractors legally move their salary to the following year?
Replies: 10
Views: 1016

Re: How can independent contractors legally move their salary to the following year?

If they write the check to you in 2017, the amount will be included in the 2017 form 1099 they send you.

I suggest don't send out bills until Jan 1.
by Hayden
Mon Dec 11, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Virtual Mailbox / Mail Scan Service
Replies: 12
Views: 953

Re: Virtual Mailbox / Mail Scan Service

I use a commercial mail box (UPS store) because I travel constantly. Most companies I deal with know that it is a CMB and require a physical address as well.

Will you have a physical address in the US that you can give to financial institutions that require such things?
by Hayden
Sun Dec 10, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Silicone Rings
Replies: 12
Views: 1528

Re: Silicone Rings

I absolutely love mine. Purchased on Amazon. I don't recall the brand. We bought them for travel, but I like mine so much I wear it all the time.
by Hayden
Sun Dec 10, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3537

Re: Please suggest a dry hands product

Neutrogena Norwegian Formula Hand Cream - apply before bed every night in the winter. About 10 years ago, I tried a number of products including the oily ones and putting my hands in socks. Use this regularly and it's been incredible. A pharmacist told me to use this almost 30 years ago, and I've b...
by Hayden
Sat Dec 09, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes and Rental Income from Live-In Significant Other
Replies: 8
Views: 621

Re: Taxes and Rental Income from Live-In Significant Other

Have him pay various expenses directly to the companies (eg utilities, Netflix, food) rather than paying you.
by Hayden
Thu Dec 07, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5502

Re: What do Bogleheads say when they don't want to spend money?

It depends on the context. I've used, "it's not in the budget for this year". Or I simply say I'm not interested.
by Hayden
Thu Dec 07, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1761

Re: SSN on job applications

Info security is a big issue in my industry. A form with a SSN would need to be encrypted/password protected. There used to be a rule that forms with SSN could not be emailed, so you would submit the form with the SSN field blank, and then call the recipient and tell them the SSN over the phone. It ...
by Hayden
Thu Dec 07, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Scorp changing from joint owners to spouse only
Replies: 3
Views: 221

Re: Scorp changing from joint owners to spouse only

That's interesting that your lawyer recommended you do that for liability reasons. An attorney told me just the opposite; he said that having two owners makes it harder to pierce the corporate veil, and so recommended keeping two owners of the company.
by Hayden
Tue Dec 05, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11201

Re: After financial independence, do you lose motivation for work?

I enjoy trying and learning new things, so I am still working but I am pivoting my company to do something new. If it doesn't work out, no matter, so I don't have to stress about it.
by Hayden
Tue Dec 05, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Medicare and retirement for high earner
Replies: 49
Views: 2393

Re: Medicare and retirement for high earner

$686/month isn't alot. Welcome to the world of health insurance, and consider yourself fortunate that you hadn't had to deal with this before now.

I am not old enough to go on Medicare. I wish I could buy the policy you have for $686/month. Seriously.
by Hayden
Mon Dec 04, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 685
Views: 115361

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have 400,000 in new money to deposit. My account is at Fidelity, I'd like to send it there, but they are not offering a transfer bonus at that level. Any transfer deals that are good enough to make it worth the hassle of getting a new account somewhere? Any reason to think that if I just wait a wh...
by Hayden
Sun Dec 03, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cost Basis
Replies: 25
Views: 1623

Re: Vanguard Cost Basis

I have some funds purchased long ago for which the Vanguard website says that they do not have cost basis information for these shares. When I sold, I was surprised to see that the 1099-B included a number (which was incorrect). Since I have a spreadsheet listing every share, I knew the correct numb...
by Hayden
Sun Nov 26, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp - costs, benefits, etc
Replies: 15
Views: 957

Re: Help with S Corp - costs, benefits, etc

Just a comment on payroll: You can do it with just one paycheck a year, if you are not living on your side job income. This reduces the time and hassle greatly, and lets you file fewer tax forms. Ralph Quarterly payroll tax reporting is required (form 941), so I run payroll quarterly. I do it manua...
by Hayden
Thu Nov 16, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 456

Re: Operating agreement template?

I have a two-member LLC taxed as an S Corp. I don't have an Operating Agreement (my state does not require one). I am now applying for a government program that requires that I submit an Operating Agreement. Are there any good templates online that I could use? Or am I being foolish and I should pa...
by Hayden
Wed Nov 15, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 456

Re: Operating agreement template?

I suggest start with a template you find online and discuss with your other partner. Once you agree, bring the marked up copy and ask a lawyer to review and make sure everything is covered. I don't think you should pay a lawyer until you have some basic discussions, especially if that partner is yo...
by Hayden
Wed Nov 15, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 456

Operating agreement template?

I have a two-member LLC taxed as an S Corp. I don't have an Operating Agreement (my state does not require one). I am now applying for a government program that requires that I submit an Operating Agreement. Are there any good templates online that I could use? Or am I being foolish and I should pay...
by Hayden
Wed Nov 15, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: question for cpa? state income tax when living / moving back and forth in CA and WA?
Replies: 17
Views: 1281

Re: question for cpa? state income tax when living / moving back and forth in CA and WA?

Did you establish residency in CA, e.g., get a CA drivers license and register to vote?
Or was it always your intention to return to WA and you maintained your WA residency?
by Hayden
Wed Nov 08, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4970

Re: What do you do to keep your mind sharp?

In addition to the things others have mentioned...my previous gym offered line dancing. That was an incredible mental workout! It combined mental activity, physical activity, music, and socializing. I thought it was terrific.
by Hayden
Tue Nov 07, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1391

Re: Which heart rate monitor is the most accurate?

jwblue wrote:
Sun Nov 05, 2017 3:58 pm
Hayden wrote:
Sun Nov 05, 2017 3:55 pm
I only know my personal experience. Fitbit didn't work for me; Samsung didn't work for me; Garmin works great. Maybe it's me...
Which Garmin?
I have the forerunner 35
by Hayden
Sun Nov 05, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1391

Re: Which heart rate monitor is the most accurate?

I only know my personal experience. Fitbit didn't work for me; Samsung didn't work for me; Garmin works great. Maybe it's me...
by Hayden
Sun Nov 05, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 2245

Re: Budgeting with significant other

We started out with a shared "house" account. We each deposited the same amount of money into the house account each month. This system worked well for us for many years. Over time (decades), other issues arose which were more important than money, and the system lapsed.
by Hayden
Sat Nov 04, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 4165

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

I imagine dealing with all those employees would be a real headache. Expect to have to do all of the jobs yourself at various times due to employee absences.
by Hayden
Sat Nov 04, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Moving and changing health insurance company
Replies: 4
Views: 360

Re: Moving and changing health insurance company

Are there any brokers who can advise on the timing issue? Should I change policies Dec 1? Or is that just asking for bureaucratic problems? I think I'm required to notify my current insurer of the move, aren't I?
by Hayden
Fri Nov 03, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 57
Views: 7745

Re: Black Friday Deals/Holiday Gift Ideas

I give out Enstrom Traditional almond toffee. It's a family run place out of Grand Junction CO. It is very good and adds to the Xmas stuff to have around the house to offer guests. Also it's a one stop shop for all of my relatives and friends for Xmas (time saver). http://www.enstrom.com/ We've bee...
by Hayden
Fri Nov 03, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Profit Sharing or Debt?
Replies: 4
Views: 336

Re: Small Business Profit Sharing or Debt?

When I had employees and was faced with this same decision, I decided to give the employees money/benefits that they valued. For my employees, the retirement plan contributions almost didn't count - they wanted cash or other immediate benefits.

I would use the money to pay off debt
by Hayden
Fri Nov 03, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5293

Re: Out of network care

Please ignore the people generalizing that don't know what they are talking about. I love love love Kaiser. The Kaiser HMO will pay for what needs to be paid for. You go to see Kaiser docs, they order lab tests, all of it happens at the same office and you never get any crazy balance billing or wac...
by Hayden
Fri Nov 03, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Moving and changing health insurance company
Replies: 4
Views: 360

Moving and changing health insurance company

I got a new apartment in a new county (same state, WA) and am in the process of moving. My current insurer is no longer offering plans in 2018, so I have to change plans on Jan 1 anyway. I will be switching to Kaiser. Yesterday I called and spoke to 5 different people at Kaiser. It was a frustrating...
by Hayden
Thu Nov 02, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5293

Re: Out of network care

I'm looking at the ACA Kaiser plans in WA. For all out of network care except emergencies, it states "not covered". Does this mean, they pay nothing at all and charges do not count toward deductible? Or does this mean they pay what they want and I am at risk for balance billing? I've never been wit...
by Hayden
Thu Nov 02, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5293

Re: Out of network care

I'm looking at the ACA Kaiser plans in WA. For all out of network care except emergencies, it states "not covered". Does this mean, they pay nothing at all and charges do not count toward deductible? Or does this mean they pay what they want and I am at risk for balance billing? I've never been wit...
by Hayden
Thu Nov 02, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 34
Views: 3792

Re: Cabo San Lucas - question

At the resort we went to, there was no swimming. It was too dangerous. There were a few people on the beach, but they stayed away from the water. Better to check this out for the specific location you are considering.
by Hayden
Thu Nov 02, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5293

Out of network care

I'm looking at the ACA Kaiser plans in WA. For all out of network care except emergencies, it states "not covered". Does this mean, they pay nothing at all and charges do not count toward deductible? Or does this mean they pay what they want and I am at risk for balance billing? I've never been with...
by Hayden
Fri Oct 27, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3128

Re: bedroom color-current trend?

I think Pottery Barn selects current colors each year. I believe Sherwin Williams sells the Pottery Barn colors.
by Hayden
Fri Oct 27, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: What assignments would you consider using a financial advisor for?
Replies: 10
Views: 946

Re: What assignments would you consider using a financial advisor for?

I have yet to find a financial advisor, or "firm", with the cumulative "mental horsepower" and "common sense" found here in "Bogleheadville". +1 I've had much better success getting advice on Bogleheads than with professionals I've hired. I look at it this way. I can get advice from one person who ...
by Hayden
Thu Oct 26, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a K-1. What do I need to know?
Replies: 15
Views: 1522

Re: Moving to a K-1. What do I need to know?

I don't know why hiring a CPA would be a necessity. TurboTax handles a K-1 just fine. Many Bogleheads receive K-1s and can answer any questions you have. What did you want the CPA to do?
by Hayden
Thu Oct 26, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1500

Re: What are snowbirds doing for health insurance?

I have been a snowbird for years. Blue Cross Blue Shield covers me in Arizona and California. I specifically ask that question 2-3 times on a recorded line back when I signed up. I have Plan F-HD and Medicare and everything is fine. I have full coverage as long as the doctors I see and the hospital...
by Hayden
Thu Oct 26, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1500

Re: What are snowbirds doing for health insurance?

hicabob wrote:
Thu Oct 26, 2017 11:18 am
Wouldn't Kaiser work for that? They have docs/hospitals/clinics in both states.
I thought the same thing. I specifically asked about Kaiser. I was told no. In WA, Kaiser is the old Group Health. I was told it is an HMO in WA and there is no coverage outside the state (except for emergency).
by Hayden
Thu Oct 26, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1500

What are snowbirds doing for health insurance?

An insurance broker has told me that for 2018, there are no health insurance plans that provide coverage out of state (I'm in Washington). If I go to CA for the winter and want to see a doctor, I have no coverage (yes, I understand that if I'm hit by a car there is coverage). What are other snowbird...
by Hayden
Wed Oct 25, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4674

Re: what is your weekly workout routine?

I've enjoyed reading the workout routines. A few people in this thread have mentioned yoga as an option. I'm curious if people here do classes vs online videos, how often and maybe suggestions on how to start a routine. I'm in my mid 40's and realize I need to stretch more often to continue playing...
by Hayden
Tue Oct 24, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pivoting a small business
Replies: 4
Views: 654

Re: Pivoting a small business

I've changed my business plan several times over the years. I get tired of what I'm doing and want to try something new. Some of the ideas have worked, some haven't. Having the company providing baseload revenue/income gave me the flexibility to try new things (and cover the costs of those trials).....
by Hayden
Mon Oct 23, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: My experience lifting credit freeze
Replies: 9
Views: 1515

Re: My experience lifting credit freeze

What if, when you call them to lift the freeze and they ask for your address, you simply state: "My address when I placed the freeze was XYZ, and my current address is ABC"? Would that have worked? On the phone, you are dealing with a computer. You enter the numerical portion of the address only. I...
by Hayden
Mon Oct 23, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1806

Re: Favorite HIIT Workouts

Right now I'm really enjoying spinning classes. At my gym, each day's class is taught by a different instructor, so they're all a bit different, which keeps it interesting.
by Hayden
Mon Oct 23, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: My experience lifting credit freeze
Replies: 9
Views: 1515

My experience lifting credit freeze

I needed to do a temporary lift of my credit freeze at Experian. It asked me for my PIN, date of birth, SSN, all of which I answered correctly. I used the phone system and I called them from the cell phone number that is listed in my credit report. Then they asked me for my address. I answered hones...
by Hayden
Tue Oct 17, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2095

Re: Investing in private companies

I'll throw in my own experience. Two decades ago I put all my assets into a company I controlled. This is a good news story; the company has been profitable every year. BUT, I have still not been able to get my money out of the company. When I invested in the company, it never entered my mind that t...
by Hayden
Tue Oct 17, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45242

Re: Fellow TDA bogleheads

I have my HSA at TDA. Seems like there's no reason to sell the Vanguard ETF I currently own. But I'll need to pick a new ETF for future investments.

I just looked at the new fund options. Yes, the ER is higher.
by Hayden
Sat Oct 14, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3497

Re: New mattress

We're going through this now. Miserable process. One of the salesmen convinced us to get an adjustable base. The ability to raise head/feet seemed to us to have more to do with the overall feel than the sometimes minute differences between mattresses. I think we're going with a latex top over a foam...
by Hayden
Fri Oct 13, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2831

Re: I need a better online checking w billpay and mobile check deposit

There are two requirements I would like to leverage. The ability to auto bill pay electronic bills on the due date and to pay the full amount owed (not just the minimum balance). Does this exist? There are some credit cards I have been unable to even receive electronic bills into the bill pay syste...
by Hayden
Tue Oct 10, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2187

Re: Moving Stroke Victim Out of State

We pay our housekeeper while we are gone. She stops by the house to flush the toilets and generally check on things. We like knowing that someone walks through the house periodically. Our insurance company also likes this.
by Hayden
Mon Oct 09, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2565

Re: What to do with unused paint?

We took ours to the Habitat for Humanity donation site.