Search found 763 matches

by Hayden
Thu Sep 22, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5073

Re: I guess we better peek when it comes to Vanguard

I've had a many year problem with Vanguard randomly mailing me dividend checks, rather than following my instructions. Each time it happens, the Flagship CSA acts like he's never seen this before (rather than acknowledging that it's a known glitch in their software). I always check my accounts, to s...
by Hayden
Wed Sep 21, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stay a 1099 contractor or incorporate?
Replies: 18
Views: 1353

Re: Stay a 1099 contractor or incorporate?

I have an S Corp, and it creates a bunch of additional paperwork requirements. Personally, I don't think I'd bother for a company making $50k. Suggest you open and fully fund a solo 401k. Maybe also think about finding another accountant.
by Hayden
Wed Sep 21, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 201
Views: 17645

Re: The Bogleheads' "100 Things Worth Every Penny" List

Personal trainer

It took me a long time to accept the idea of paying someone to help me work out, but it has made a big difference in my life. Also, my gym is low cost, so it doesn't cost me too much.
by Hayden
Sat Sep 17, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: I didn't submit form 5500. Did I need to?
Replies: 2
Views: 323

I didn't submit form 5500. Did I need to?

I asked Fidelity and they told me I did not need to submit Form 5500. Now I'm wondering if they are correct. And, if one was due, I missed the deadline, so what to do? Please help! We have an LLC with two members. Taxed as an S Corp. Opened a solo 401k at Fidelity and funded it in 2015. Two accounts...
by Hayden
Sat Sep 17, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5450

Re: Which city for part time home during retirement?

Are these criteria in the order of importance to you? If not, could you please rank-order them? Sure here they are ranked: 1- Affordable (I'd like to pay $400k or less for my pad). I cannot afford to pay significantly more (as an example Los Angeles would cost double). 2- Liberal leaning city (I ha...
by Hayden
Fri Sep 16, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate individual 401k contribution?
Replies: 7
Views: 721

Re: How do you calculate individual 401k contribution?

Thanks for your response. She is only part-time. Those numbers were also hypothetical, just wanted to know the equation one uses. Her last paycheck is Dec 15, so I should have an accurate assessment of her total gross income and business expenses in time to contribute all of the i401k by the new ye...
by Hayden
Fri Sep 16, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Am I making the right decision? [staying at current job]
Replies: 13
Views: 853

Re: Am I making the right decision?

You say you'll be a partner in the new position. What is the stability of the new position, compared to your current position? Will being a partner bring additional stresses? Just some things to consider....
by Hayden
Thu Sep 15, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5450

Re: Which city for part time home during retirement?

I also am enjoying a nomadic lifestyle, and have been wrestling with a similar question. Personally, I have not ruled out colder areas; I just travel during those months and stay home during the summer when it is beautiful.

I favor WA state. I've been thinking about Spokane and surrounding areas.
by Hayden
Tue Sep 13, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Annual travel insurance
Replies: 7
Views: 484

Annual travel insurance

Anyone buy annual travel insurance? Any recommendations or advice?
by Hayden
Mon Sep 12, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: High deductible [health] insurance behaviors
Replies: 10
Views: 1076

Re: High deductible [health] insurance behaviors

[*] bundle appointments - come in with a written punch list and hand it to the nurse so that the Doctor has my agenda, in full. Cover as much as possible in the annual checkup. One problem with this that my wife has run into. The billing code to insurance for the annual wellness checkup is differen...
by Hayden
Mon Sep 12, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: S-corp business use of home
Replies: 7
Views: 378

Re: S-corp business use of home

I am an S Corp owner, Not an accountant. From what I've read, we cannot deduct depreciation of the home. Hopefully an accountant will correct me if I'm wrong.
by Hayden
Sun Sep 11, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Self Employed Expense Tracking
Replies: 7
Views: 453

Re: Self Employed Expense Tracking

For meals, I save the receipt and write on the receipt who was at the meal and what was discussed.

I save all the receipts, for everything.
by Hayden
Sat Sep 10, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7896

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

B of A did this to my business account. They opened a new account without telling me and moved money out of my account. I noticed it when I checked the account online and saw that money had been removed from the account. I called them and they lied to me - they told me that my business partner had o...
by Hayden
Wed Sep 07, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10509

Re: How much is your cell phone bill?

T mobile
2 lines

I'm paying $156/month, but part of that is the monthly charge to pay off the phones.

I've been traveling constantly and I really enjoy that my phone works almost everywhere in the world. That's why I keep t mobile.
by Hayden
Sun Sep 04, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 11318

Re: Which city to start early retirement?

Check out the Tri Cities in Washington st, it has the Columbia and snake river, wineries,plenty of recreation opportunities and its 3 hours from Seattle and Portland, The Population is the same size as Boise. We did look at Camas and Vancouver but the rents in the area are already higher and still ...
by Hayden
Sun Sep 04, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Bill 9 Months Later?
Replies: 15
Views: 1440

Re: Health Insurance Bill 9 Months Later?

My first step would be to find the EOB from my insurance company. That will tell you what your insurance company thinks you owe.
by Hayden
Sun Sep 04, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3185

Re: Favorite Vegan Products

You've received lots of good answers here. I'll just add one thing: I eat Bubbies sauerkraut. Lots of probiotics and it tastes great.
by Hayden
Sat Sep 03, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 11318

Re: Which city to start early retirement?

I've also been thinking about moving to Idaho. Pretty much the only thing holding me back is the taxes. 7.4% is high to me (compared with 0 in WA). I'm debating between Idaho and eastern WA.
by Hayden
Fri Sep 02, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6570

Re: Frustrated Losing Weight!

Veggies should be your primary food on your plate for all meals. 1/2 the plate! Protein 1/3 and then the remaining 1/6 can be something like soba noodles or sometimes, brown rice. So I never get to enjoy eating again? Is there no solution where I can enjoy good-tasting food, AND lose weight? What I...
by Hayden
Fri Sep 02, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: How to transition into retirement?
Replies: 14
Views: 1980

Re: How to transition into retirement?

Bear in mind that your friends your age will not be retired. The retirees you meet and associate with will be from a completely different generation. The issue of what to do in retirement is a big one (something I am currently wrestling with). I have been focused on getting in shape, eating healthy,...
by Hayden
Fri Sep 02, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1074

Re: Medical billing question re routine screening

I agree with these suggestions. Colonoscopy infrequently identifies the cause of abd pain that is not associated with other more worrisome symptoms. I would plan on having a screening colonoscopy, with my GI doc knowing that there is a discomfort that has been noted that he or she can keep in back ...
by Hayden
Fri Sep 02, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1074

Re: Medical billing question re routine screening

If you are due for a routine colonoscopy, schedule it. Schedule it as a routine screening procedure. The screening status is based on the original order from your PCP. Make sure the PCP orders it as a screen, not as a diagnostic. The remark from your PCP is peculiar. It does not really make any sen...
by Hayden
Thu Sep 01, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: One or two LLCs for husband & wife side gigs?
Replies: 25
Views: 1319

Re: One or two LLCs for husband & wife side gigs?

You've gotten excellent advice here. I'll just add, based on my own experience, that you might want to look in to the insurance thing now. I had a business that was basically doing two different things. It was a nightmare to get insurance. The company is told me that they had policies for small busi...
by Hayden
Thu Sep 01, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Re: Windows 10 Update error

Good question. Actually I have the same question too. From what little I've been able to find, I believe the Anniversary Update will attempt again, eventually. That being said, I installed mine during the 2nd week of August, uninstalled same day, and have not yet been prompted to attempt again. Win...
by Hayden
Thu Sep 01, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Re: Windows 10 Update error

I just ran the compatibility troubleshooter. No success. Running the program in Windows 7 mode didn't work. I tried the other options offered; they didn't work either. The program compatibility troubleshooter says issues found: program is incompatible. That is very strange because the program previ...
by Hayden
Thu Sep 01, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Re: Windows 10 Update error

niven wrote:You've already tried compatibility mode - have you tried running it as administrator as well?


i tried it. Didn't help.
by Hayden
Thu Sep 01, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Re: Windows 10 Update error

Try running the program in "compatibility mode". https://support.microsoft.com/en-us/help/15078/windows-make-older-programs-compatible Choose the OS version that the program was originally written for. Also - can you post the *exact* text of one of the error messages you are getting when ...
by Hayden
Thu Sep 01, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Re: Windows 10 Upgrade error

Maybe somebody here can give you tips on first getting that software to work with the Windows 10 Anniversary update (I'd be guessing). But, if you do decide to roll back, Microsoft gives you only 10 days to uninstall that particular update (shorter than the original 10 update). Basically you go int...
by Hayden
Thu Sep 01, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Windows 10 Update error

I need help from the software gurus out there. I have old accounting software that I use to run my business. I was concerned that it would not work when I installed Windows 10, but it did. I’ve been happily using it with Windows 10. My computer just installed the Windows 10 Update, and now the softw...
by Hayden
Thu Sep 01, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Charitable giving-Personal or Company
Replies: 2
Views: 245

Re: Charitable giving-Personal or Company

If the company is an S corp, the amount of the deduction would be allocated to you based on your ownership interest. E.g., if you own 50% of the company, then 50% of the deduction flows to you.
by Hayden
Fri Aug 12, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Remote work W2, State Taxes?
Replies: 8
Views: 827

Re: Remote work W2, State Taxes?

I agree, taxes are due to the state where you actually work and live. What address does your paystub show?
by Hayden
Wed Aug 10, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Traditional Medicare, Diabetes and Ophthalmologist
Replies: 15
Views: 1657

Re: Traditional Medicare, Diabetes and Ophthalmologist

The folks at the eye clinic I go to are very precise about what is covered by medical insurance and what is not. I'm sure an opthalmologists office could answer this for you. I would call them.
by Hayden
Mon Aug 08, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 2841

Re: Do you have a handyman?

I have a handyman who does miscellaneous repairs around the house. Actually, he does all the houses in our neighborhood. We don't use him for routine work (eg lawn maintenance), just small one-off things. He charges $20/hour.
by Hayden
Thu Aug 04, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1074

Re: Medical billing question re routine screening

Certainly a colonoscopy is WAY down on the list of diagnostic procedures to diagnose abdominal pain. Certainly worthwhile to have it done for screening, but unless there are other symptoms (bleeding, diarrhea) it will probably not add to figuring out the cause of the pain. As to the cost, that can ...
by Hayden
Thu Aug 04, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 2996

Re: Depending on stability of ACA marketplace for next 8 years?

I live in a smallish city. My plan has changed each year for almost the last 15 years (not by choice, the plans keep being discontinued). I don't have a lot of choices in plans. I always buy the plan with the largest network. As to providers and networks, I've never had an issue, and i dont know any...
by Hayden
Thu Aug 04, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1074

Re: Medical billing question re routine screening

Thank you for the responses. It sounds like if I want to pursue this, i need to be prepared to pay the full cost of the colonoscopy. My next step will be to find out how much that will be.
by Hayden
Wed Aug 03, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6842

Re: Should I flip my neighbor's house to save the neighborhood?

There is an ugly house in disrepair on my street. When it sold, I assumed it was a tear down. It was purchased by a lovely young couple with a baby. They are stretched thin and busy with the baby, and so are doing nothing to improve the property. They are lovely people, we are happy to have them in ...
by Hayden
Wed Aug 03, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1074

Medical billing question re routine screening

I have a HDHP. My understanding is that the insurance company pays the cost of routine screening (it is not charged against my deductible). I have a pain in my side. My PCP suggested that when i have a colonoscopy the doctor would look around for a possible cause. I am due for a routine colonoscopy ...
by Hayden
Mon Aug 01, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 44
Views: 3797

Re: Living in various places 4 months out of the year.

This is similar to our plan. We spent two months last winter in Spain. Absolutely loved it, would highly recommend it. We plan to go somewhere different every winter. Mail requires some planning. Be aware that not everything will be forwarded. For example, banks sometimes have do not forward instruc...
by Hayden
Wed Jul 27, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 7513

Re: Password Management and Safekeeping

+1 for Keepass. I use it on my computer and can't imagine living without it. But, I have been afraid to put it on the devices I travel with (phone and tablet). What happens if your phone gets stolen or your tablet gets hacked when it's sitting in a hotel room in a foreign country? Is it safe to have...
by Hayden
Sun Jul 24, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 26
Views: 2728

Re: Vacationing in the Caribbean

The quietest place I've been was a Zoetry resort.
by Hayden
Sun Jul 24, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Trip/vacation package deals
Replies: 6
Views: 833

Re: Trip/vacation package deals

+1 on Road Scholar. I've done two of their Europe offerings and loved them.
by Hayden
Thu Jul 21, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: My tax return is still being processed
Replies: 3
Views: 421

Re: My tax return is still being processed

Update: I called the IRS and a very nice CS agent told me my return has completed processing and the refund has been credited to 2016 It was another IRS agent who told me that I would receive a letter and to call if I don't receive one after 9 weeks. According to this agent, that is a script they re...
by Hayden
Thu Jul 21, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: My tax return is still being processed
Replies: 3
Views: 421

My tax return is still being processed

When I did my 2015 taxes, I checked the box to apply my refund to my 2016 taxes. My understanding is the IRS would mail me a letter confirming this was done. I have not received that letter. When I check the IRS app, it tells me my return is still being processed. Should I call the IRS, or sit tight?
by Hayden
Wed Jul 20, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 36
Views: 2534

Re: Help With Picking Job Title at Startup

I don't see a problem with COO on your resume. I've been a CEO of my company for a long time. There have been some occasions where I've tweaked my title. I 2001 I was buying a new car and the dealership was offering 0% financing, which I wanted. Filling out the application at the dealership, the bus...
by Hayden
Sun Jul 17, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Realizing capital gain in company account; reasonable compensation?
Replies: 8
Views: 619

Re: Realizing capital gain in company account; reasonable compensation?

It sounds to me like you need to consult a CPA not an anonymous internet board. I've asked two CPAs already. The first was the best CPA in the small town where I live. He was the company accountant for many years. I worked with him to put the money in the company; he didn't tell me there could be i...
by Hayden
Sun Jul 17, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Realizing capital gain in company account; reasonable compensation?
Replies: 8
Views: 619

Re: Realizing capital gain in company account; reasonable compensation?

It sounds to me like you need to consult a CPA not an anonymous internet board. I've asked two CPAs already. The first was the best CPA in the small town where I live. He was the company accountant for many years. I worked with him to put the money in the company; he didn't tell me there could be i...
by Hayden
Sun Jul 17, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Realizing capital gain in company account; reasonable compensation?
Replies: 8
Views: 619

Re: Realizing capital gain in company account; reasonable compensation?

Don't cap gains get passed through as such to shareholders? I know there are restrictions on S-Corps and passive income but don't know if cap gains from "investments" are considered passive. Yes, capital gains get passed through as capital gains to shareholders. I've read what I could fin...
by Hayden
Sat Jul 16, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1520

Re: State income tax question

I don't understand the part about the company not withholding state taxes. If the company is paying an employee in North Carolina, they should be reporting it to NC and doing withholding. I wonder if the company has classified him as a WA resident, or is paying him as a 1099?

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