Search found 944 matches

by Hayden
Tue Oct 17, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 1882

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: 318
Views: 16369

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: 3036

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: 2532

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: 2010

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: 2321

Re: What to do with unused paint?

We took ours to the Habitat for Humanity donation site.
by Hayden
Mon Oct 09, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2517

Re: Health Care for 2018, Curious About Other's Increases

My insurer will not be offering plans in my county in 2018. So I need to find a new insurer. Again. Every year for as long as I can remember I've had to change plans due to my plan being discontinued. It takes a big chunk of time every year. Groan. Rant over.
by Hayden
Mon Oct 09, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: business owner, what is your income from business and how did you get into successfully business, what's your networth?
Replies: 17
Views: 2328

Re: business owner, what is your income from business and how did you get into successfully business, what's your networ

I've been in business almost 20 years. I agree that it takes alot of perseverence. There's no such thing as going on vacation and letting other people handle things. When the phone rings, you answer it. In my case, my business model has changed many times over the years. In part that was due to my p...
by Hayden
Sun Oct 08, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2270

Re: Spouse gets blowouts?

Jags4186 wrote:
Sun Oct 08, 2017 9:16 am
You should feel lucky that your spouse only has a $2000 a year habit.
+1
by Hayden
Fri Oct 06, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: bonus tax question
Replies: 7
Views: 504

Re: bonus tax question

I think you are confusing withholding from taxes. Your bonus is income; it will be taxed as income when you submit your tax return at the end of the year. What you are referring to is the withholding rate. If you get payroll to issue the bonus with 25% withholding, you'll just owe the remainder when...
by Hayden
Thu Oct 05, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1468

Re: River cruise recommendations (Europe)

I've done three. I loved Viking Bucharest to Budapest. The guides were excellent and I learned a lot.
The other two cruises, not so much. I would have preferred to spend more time in each major city, and taken a plane/fast train between the cities.
by Hayden
Tue Sep 05, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2175

Re: Book Recommendations: Nutrition / Psychology

Dhs wrote:
Mon Sep 04, 2017 8:15 pm
Anything by Michael Pollan--

Food Rules
In Defense of Food

Good information about nutrition, as well as psychology of food
+1. In defense of food is the best book I've read on this subject so far.
by Hayden
Sun Sep 03, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3676

Re: Things to buy/repair before (early) retirement

I would argue for delaying purchases until retirement, not accelerating them. I found that when I was working full time I tended to pay full price for things because I was too busy to shop around. now that I have free time, I can spend more time shopping around, resulting in better products/services...
by Hayden
Sat Sep 02, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: effect of home purchase on AA
Replies: 11
Views: 1026

Re: effect of home purchase on AA

Since buying a home is a major change in your financial situation, you should reconsider your asset allocation, and then rebalance your post-purchase portfolio to match the new allocation. I like to view the home purchase as an annuity. The main value of the home to you is that it pays your rent ev...
by Hayden
Sat Sep 02, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14935

Re: How far would you travel to see The Eclipse?

Drove for about 12 hours to see totality. Thought it was awesome and vowed I would become an eclipse chaser, traveling around the world to see them. The next day I noticed visual problems (yes, of course, I wore proper glasses). I'm glad I did it, but I'm not sure I'll do it again. My eyes were quit...
by Hayden
Sat Sep 02, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: effect of home purchase on AA
Replies: 11
Views: 1026

Re: Affect of home purchase on AA

The theory is that one should control the expected return and expected risk of a portfolio by adjusting the stock/bond allocation appropriately. If you arrived at the 50/50 allocation by some sort of reasoning along those lines, then when you add money or take money out and you are now significantl...
by Hayden
Fri Sep 01, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Stop income tax withholding
Replies: 15
Views: 1540

Re: Stop income tax withholding

I never understood the exemptions thing. I always calculated how much I wanted withheld each paycheck, and filled out the W4 directing them to withhold that specific dollar amount each pay period. Could you do that, specifying some low amount per pay period?
by Hayden
Fri Sep 01, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: effect of home purchase on AA
Replies: 11
Views: 1026

effect of home purchase on AA

I am about to purchase a condo for cash and am trying to figure out whether this means I have to sell stock to rebalance. To make this concrete, here are some round numbers to illustrate my question. Current assets of $10M, invested 50/50. I take $1M from bonds to purchase the condo. Now my investme...
by Hayden
Mon Aug 28, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Is ProtectMyID or other service worth it?
Replies: 12
Views: 881

Re: Is ProtectMyID or other service worth it?

student wrote:
Sun Aug 27, 2017 12:20 pm
I believe ProtectMyID is from Experian. It also has a free version.

http://www.experian.com/consumer-produc ... eport.html
Thanks. I didn't know about the free version.
by Hayden
Mon Aug 28, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Is ProtectMyID or other service worth it?
Replies: 12
Views: 881

Re: Is ProtectMyID or other service worth it?

I was a fed, and it seems that each year or two I would get a letter from the government saying we lost your data and we are paying for ProtectMyId for you. If your security clearance information has been compromised you are eligible for 10 years of free credit monitoring by MyIDCare. Contact the O...
by Hayden
Mon Aug 28, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2717

Re: Purchasing a Health Plan - Not Marketplace

I buy an individual plan each year, and no one has ever asked my height, weight, and medications.
Pricing is based on your age. I think they also take into consideration whether you are a smoker. That's it.
by Hayden
Sun Aug 27, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Is ProtectMyID or other service worth it?
Replies: 12
Views: 881

Is ProtectMyID or other service worth it?

I have had ProtectMyID for more years than I can remember. I was a fed, and it seems that each year or two I would get a letter from the government saying we lost your data and we are paying for ProtectMyId for you. Well, my subscription is coming to an end. Should I renew (and pay for it myself for...
by Hayden
Sun Aug 27, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 6978

Re: Adjusting AA as retirement nears

I have learned that I am my own worst enemy. I refer to it as "outsmarting myself". Several years ago I read Bogleheads and decided on a permanent 50/50 allocation. Now I just have to remind myself not to outsmart myself, and stay the course at 50/50.
by Hayden
Wed Aug 23, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9541

Re: Non-fiction bucket list

In college I read a fascinating book on the history of science, recommended by a physics Prof who was frustrated that the study of history did not typically include the study of the history of science. I'm sorry to say I don't remember the title. Perhaps another boglehead knows a good title on histo...
by Hayden
Wed Aug 23, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 535
Views: 208576

Re: TV show recommendations?

Currently watching Inspector Lewis. I love those British crime dramas: Foyle's War, etc.
Better plots and characters than US police dramas IMO
by Hayden
Tue Aug 15, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Audit 2015 1099 MISC
Replies: 11
Views: 1528

Re: IRS Audit 2015 1099 MISC

I would think k you could deduct the cost of mileage for travel to your coaching locations. The IRS publishes the amount you can deduct. I think it's something like $0.535/mile, but you should look it up.

Did you need to purchase any equipment for use in your coaching? That also should be deductible.
by Hayden
Tue Aug 15, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 7301

Re: Retired Boglehead obsession with money- devil's advocate

This thread is timely for me as I have spent the last 2 days debating whether to purchase a condo that seems to me to be very expensive and grand. I have so far resisted the temptation to post a "can i afford this condo" thread because I know the answer: of course you can afford it. I think I worry ...
by Hayden
Sun Aug 13, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1055

Re: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

Why set up an LLC at all? Seems like you could do everything you want to do as a sole proprietor (schedule C). For example, you can set up a retirement account. To start, I would definitely set up a business bank account and start very clearly separating business from personal expenses. All business...
by Hayden
Fri Aug 11, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8790

Re: ObamaCare 2018

This is interesting; thanks for posting. Of course, insurance is local, so unless one lives in the major cities cited, the numbers will be different. I am early retired and health insurance is a factor in where I move for retirement. From this article, Seattle looks attractive. You can get quick, f...
by Hayden
Thu Aug 10, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8790

Re: ObamaCare 2018

This is interesting; thanks for posting. Of course, insurance is local, so unless one lives in the major cities cited, the numbers will be different.

I am early retired and health insurance is a factor in where I move for retirement. From this article, Seattle looks attractive.
by Hayden
Wed Aug 09, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Home Office/Commute Tax write off question
Replies: 5
Views: 849

Re: Home Office/Commute Tax write off question

I am not an accountant.

I never took the home office deduction. I had my company reimburse me for use of my home office. Can you do that?
by Hayden
Wed Aug 09, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5500

Re: Oregon road trip help

Personally I would pass on the Dalles. I would spend more time on the coast. I like Newport. There are lots of towns to visit allong the coast. To me, much more interesting than the Dalles.
by Hayden
Wed Aug 09, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 4080

Re: Do you plan to ditch your laptop in travel soon?

Depends on the length of the trip. If over 4 or 5 weeks, I take the laptop. Otherwise, I take phone and tablet. I've got all my files backed up to the cloud, so I can access them from my phone if needed. I'm typing this on my phone, and it sure is irritating. I'll have to look into keyboard for phone
by Hayden
Wed Aug 09, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: 2017’s Best & Worst States for Health Care
Replies: 15
Views: 2173

Re: 2017’s Best & Worst States for Health Care

I buy individual health insurance and will for many years (I'm far from Medicare age). Healthcare is a big factor in my thinking about where to live. Unfortunately I don't think these ratings are granular enough. My sense is that I should stay near large population centers in order to maintain acces...
by Hayden
Wed Aug 09, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Close business as S Corp or Partnership
Replies: 6
Views: 620

Re: Close business as S Corp or Partnership

I'm not sure I understand. You created a corporation with a partner, put mutual funds in it, supposedly did something with the corporation, and now you want to get the mutual funds you put into it out. The funds have large capital gains. It has been a long while since I filed a corporation tax retu...
by Hayden
Tue Aug 08, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Google Pixel on sale today
Replies: 2
Views: 527

Google Pixel on sale today

I know a number of bogleheads are thinking about Pixel/Project Fi, so wanted to let people know that the Pixel and Pixel XL are on sale today. For example, the XL with 128 GB is $200 off. I've been following the Pixel for a while, and i haven't seen a sale before.
by Hayden
Tue Aug 08, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3151

Re: Buy Google Pixel mobile now or wait for Pixel 2

Google is back ordered on the silver Pixel. Given the comments about supply issues is it worth waiting for it or go ahead and order a different color? I just received my silver Pixel. Got it very fast; not back ordered. My plan was to wait for the new Pixel. But my Samsung Note decided to die and I...
by Hayden
Tue Aug 08, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Scorp moving salary & distributions from corp to personal
Replies: 2
Views: 187

Re: Scorp moving salary & distributions from corp to personal

I would suggest finding an accountant who specializes in S Corps.
by Hayden
Tue Aug 08, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Small SCorp required to sign Master Service Agreement with Large Company
Replies: 4
Views: 551

Re: Small SCorp required to sign Master Service Agreement with Large Company

There may be additional concerns if this is government work. Are they a government contractor?
by Hayden
Tue Aug 08, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Close business as S Corp or Partnership
Replies: 6
Views: 620

Re: Close business as S Corp or Partnership

Your lawyer is suggesting buying 48% of a company for $500. What is the company worth? Might such a transaction be seen as some kind of sham transaction set up purely as a tax dodge by the IRS and be invalidated for tax purposes? The company assets are close to $1M. I asked the lawyer your question...
by Hayden
Tue Aug 08, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Close business as S Corp or Partnership
Replies: 6
Views: 620

Re: Close business as S Corp or Partnership

Distributions have to be pro rata. If the shares are not identical (except for voting rights) then it's not an S corporation. I don't understand your comment about it not being an S corp. Ownership of the S Corp has always been 51/49. Distributions have always been 51/49, in accordance with S Corp ...
by Hayden
Mon Aug 07, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Close business as S Corp or Partnership
Replies: 6
Views: 620

Close business as S Corp or Partnership

We have an LLC taxed as an S Corp. 2 Members, with ownership 51/49. Our capital accounts are 100%/0%. The company is winding down and we would both like to distribute the money in accordance with the capital accounts. (it doesn't have to be exact; we're just looking to make the distributions close t...
by Hayden
Mon Aug 07, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 906

Re: Using a VPN for mobile internet

I've been using Private Internet Access VPN for years. I just bought a pixel and it appears to have a built in VPN, so I guess I'll use that going forward. I figure Google already knows all my private info, so dropping PIA will give me one fewer company with access to my info. PIA let me chose what ...
by Hayden
Sat Aug 05, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6012

Re: NYT: Buy more takeout and hire a maid, study suggests

I agree about hiring out things you don't enjoy. My partner keeps encouraging me to buy an expensive car and I keep saying I'd rather have a chaffeur (ie Uber) than a car. I really dislike driving. We also go out to eat most nights. I agree it is a challenge to find healthful food, but I just do not...
by Hayden
Thu Aug 03, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Form 8960, NIIT
Replies: 2
Views: 216

Re: Question on Form 8960, NIIT

The capital gain from the sale of the mutual fund would be subject to NIIT. If you are a nonpassive shareholder in an S Corp, the ordinary income from the business activity would not be subject to net investment income tax, nor would gain from sale of property used in the business, or gain from sal...
by Hayden
Thu Aug 03, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Form 8960, NIIT
Replies: 2
Views: 216

Question on Form 8960, NIIT

I have an S Corp that owns mutual funds at Vanguard. I sold a mutual fund and realized a capital gain. This flows to me on my K-1. I am trying to figure out whether that capital gain is subject to NIIT. I did a dummy tax return using Turbotax, and Turbotax made the capital gain subject to NIIT. I re...
by Hayden
Sun Jul 23, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 34
Views: 3906

Re: 2017 Genesis

I have a friend with the Genesis and he loves it. He says, people are constantly mistaking it for a Bentley.
He bought it for the excellent electronics (Google maps) and safety features.
by Hayden
Fri Jul 21, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 2168

Re: How is U-Haul for getting a trailer hitch?

Had it installed at U Haul. Later, when we went to rent trailer, we were told it was installed incorrectly. They sent us to a different UHaul place to have it reinstalled before they would give us the trailer. So I guess it depends on who does it.
by Hayden
Thu Jul 20, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: SS survivor's benefit for my spouse
Replies: 15
Views: 1169

Re: SS survivor's benefit for my spouse

I read Piper's book recently. He says that if the surviving spouse claims widow benefits prior to FRA, those benefits are reduced.
by Hayden
Thu Jul 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2649

Re: Fidelity Full View usefulness?

I use the analysis tab to track my AA. But, I have manually entered all of my data in the Analysis tab. I have never visited full view (don't want to give Fido passwords). Since I don't trade in my Vanguard account, it wasn't that much trouble to enter all my assets outside Fido and update it occasi...