Search found 876 matches

by Hayden
Mon May 22, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: What to do with phone when changing carriers
Replies: 6
Views: 307

Re: What to do with phone when changing carriers

Thanks for the suggestions. I'll check out Gazelle. I tried Craigslist in the past and got nowhere. I'm looking for an easier solution than Craigslist. We travel internationally extensively and we love the fact that our T Mobile phones work everywhere (they even worked in Cuba!). So we want to stick...
by Hayden
Mon May 22, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: What to do with phone when changing carriers
Replies: 6
Views: 307

What to do with phone when changing carriers

We are thinking about switching from T Mobile to Google Fi and Pixel. We estimate we will go from $166/month to $120/month. Those figures include the cost of 2 phones. We currently owe $200 for our two Samsung Note 4 phones. The phones are great, in new condition. Looking for suggestions of what to ...
by Hayden
Mon May 22, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 52
Views: 4060

Re: What are your priorities for retirement?

Mine are: Maintain health. Live in a place where I can walk to things that I enjoy. Travel extensively. Learn something new, like a language or how to play an instrument. Find a way to contribute to the betterment of my community. +1 This describes me. I was learning Spanish. Now I'm learning to cr...
by Hayden
Sat May 20, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 3167

Re: Should I sell my business?

I had a very profitable business in an area I didn't love. I read somewhere the question, are you good or are you lucky? Well, I couldn't be sure I hadn't just been lucky, i.e., I wasn't sure I could replicate the numbers with a new business. What I did:. I bought a vacation home in an area I enjoy,...
by Hayden
Sat May 13, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 4756

Re: Tipping at All Inclusive Resort?

We've been to many all inclusives and we tip. However many people do not.
Our most recent experience was at an AI in Cuba. In that case, the tour guide suggested a tip the equivalent of $1 when the waiter brings a drink.
by Hayden
Mon Apr 24, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: interesting things to see/do in Victoria and Vancouver, Canada
Replies: 19
Views: 1219

Re: interesting things to see/do in Victoria and Vancouver, Canada

We enjoy visiting the pubs in Victoria. There are several excellent pubs we frequent. We also enjoy the museum. And high tea.
by Hayden
Thu Apr 20, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36573

Re: Larry Swedroe says "Goodby."

Thank you for your contributions here and for your books. You have made a difference in the lives of many.
by Hayden
Tue Apr 18, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: $10 withdrawal by the IRS?
Replies: 17
Views: 1909

Re: $10 withdrawal by the IRS?

This happened to me once, although the amount was about $3000. I went to my bank, and they could do nothing about it. I called the IRS, and a very rude person acted as though I was a criminal and told me that if the IRS took money from my account, then I must owe the money. Some time passed, and I r...
by Hayden
Mon Apr 17, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Can a self-employed person utilize direct deposit?
Replies: 17
Views: 1101

Re: Can a self-employed person utilize direct deposit?

Just ACH a day or two earlier since you know what the delay is. Even with payroll companies, payroll has to be finalized a couple of days out in order for the money to show up in the employee account on payday. I found that out when the HR/payroll guy at a company I worked at missed the deadline on...
by Hayden
Sun Apr 16, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2677

Re: Windows 10 upgrade, now legacy software doesn't work

Thanks for all the responses. the software is accounting software, and it is no longer supported by the vendor. There are a lot of accounting software alternatives, and I will transition to something else. I will keep my Windows 10 computer updated. My company is a government contractor, and I have ...
by Hayden
Fri Apr 14, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2677

Re: Windows 10 upgrade, now legacy software doesn't work

Thanks for all the responses. I think the answer for me is to keep the Windows 10 on my machine, and dedicate an old machine to running this software.
by Hayden
Fri Apr 14, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Need help with software sales - Invoice without PO and payment terms
Replies: 9
Views: 374

Re: Need help with software sales - Invoice without PO and payment terms

So, you have a signed contract that your lawyer has reviewed? If so, then I would just send an invoice.

I have all my clients pay electronically. I much prefer that to mailed checks. I don't see an issue with it.
by Hayden
Thu Apr 13, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2677

Re: Windows 10 upgrade, now legacy software doesn't work

CFM300 wrote:
Hayden wrote:Other suggestions?

Have you tried running the program in Administrator mode? Or changing the program properties to run in compabitility mode?


Yes, and yes.
by Hayden
Thu Apr 13, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2677

Windows 10 upgrade, now legacy software doesn't work

Last September Windows 10 updated and my legacy software stopped working. i did a roll back and defer upgrades, and i was back in business. Today Windows updated itself, and once again, my legacy software has stopped working properly. I tried compatibility mode -- still doesn't work. Should i do a r...
by Hayden
Thu Apr 13, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3109

Re: Windows-10 "upgrade" coming April 11. What to disable?

My computer just upgraded itself and now my legacy accounting software does not work. Sigh. I may just give up and switch to QuickBooks. Of course, all my accounting data for the past 15 years is in that program which I can't access on this machine. Next time I get audited, it will be a hassle. I co...
by Hayden
Thu Apr 13, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 1467

Re: Lack of rigor in EdX (and other?) MOOCs?

I am taking a class online now, from Udacity, and I am loving it. I am taking it for entertainment. I am impressed with how Udacity has designed the material for online delivery. I think it is very well done. That said, in terms of difficulty, the course in no way compares with the classes I took in...
by Hayden
Tue Apr 11, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: E-file forms 941 and 940
Replies: 0
Views: 227

E-file forms 941 and 940

I have a small S Corp and I run payroll myself. I fill out the PDF versions of the forms 941 and 940, print, and mail. I travel constantly, and finding a printer and mailing is a bit of a nuisance. I would much rather e-file. The IRS doesn't allow businesses to e-file directly; rather one has to go ...
by Hayden
Thu Apr 06, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4279

Re: Packing cubes for travel

When I purchased mine, I thought I wanted big ones. It turns out the midsize ones hold a surprising amount (I roll my clothes) and the big ones were actually too big for my purposes. You may want to experiment with different sizes for different things. I also use a mesh bag (so I can see through it)...
by Hayden
Wed Mar 15, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 3702

Re: Vanguard: "Important: We've been unable to reach you by email"

I recently received the same letter. I verified that they had the correct email address for me, and then ignored the letter. I also periodically receive letters from Vanguard that say something like, thank you for restoring access to the website. Since my access to the website never lapsed, I never ...
by Hayden
Sun Mar 12, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: sole proprietorship income offset via R&D expenses: avoids self-employment tax?
Replies: 12
Views: 976

Re: sole proprietorship income offset via R&D expenses: avoids self-employment tax?

[color=#4040FF][b][i]After re-reading your post it sounds like you're talking about two businesses , (1) consulting and (2) software development and sales ; and it looks like you want to allocate the expense of the 2nd business to the income of the 1st , can you do that ??.. I see it as one busines...
by Hayden
Sat Mar 04, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Paying Zero Income Tax on $100,000 Income? Really? Let's see if we can give new life to this old topic!
Replies: 68
Views: 8069

Re: Paying Zero Income Tax on $100,000 Income? Really? Let's see if we can give new life to this old topic!

I got hit with a lot of ordinary dividends this year from my international funds. Thinking of moving them to my Roth.

The funds also distributed a bunch of capital gains this year. I don't know whether I should plan on that continuing for the future.
by Hayden
Thu Mar 02, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Turbotax result for Roth contribution
Replies: 5
Views: 410

Unexpected Turbotax result for Roth contribution

I'm helping a friend do his taxes using Turbotax, and got an unexpected result for Turbotax's calculation of the maximum allowed Roth contribution. Here's the situation. On his W2, Box 3 contains his actual wages. He deferred as much as possible to his 401k, so Box 1 is less than Box 3. Box 1 is $57...
by Hayden
Tue Feb 28, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 51
Views: 2599

Re: Store Important Documents Online?

Fidelity has an online safe. I haven't used it, but I've been thinking about it. I travel constantly, and it would be nice to be able to access important documents in an emergency (eg medical POA).
by Hayden
Thu Feb 23, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: retired but thinking about value of self-employed income
Replies: 13
Views: 931

Re: retired but thinking about value of self-employed income

I have an S Corp. I am able to deduct my health insurance expense and contribute to a solo 401k. Of course, it's work. But it is a way to earn tax free and tax deferred income.
by Hayden
Wed Feb 22, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to report 1099B cost basis discrepancy on non-covered shares?
Replies: 25
Views: 2173

Re: How to report 1099B cost basis discrepancy on non-covered shares?

[............................................ Not completely. You can ignore the 1099B cost basis and use your own records, but you have to inform the IRS that you did that. Now the question is how. I use H&R Block for my tax software. In the software, for each capital sale there are 2 question...
by Hayden
Wed Feb 22, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 8651

Re: BH thoughts on Time shares

I know very little about time shares, but see ads for them in Las Vegas. Are these good to attend for "free" tickets to shows and to buy or are they ripoffs? The presentations vary from unpleasant to agonizing. And the sales people are very good at what they do. Don't underestimate that. ...
by Hayden
Mon Feb 20, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 4261

Re: Once having achieved 30X -- share your strategy?

My focus is on keeping things simple, so I maintain a 50/50 asset allocation. The stock portion is 30/20 US/international. The bond portion is a mix of total bond and short term bond.
by Hayden
Fri Feb 17, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 4571

Re: Vanguard Web Site Down?

I can't even get to the homepage
by Hayden
Fri Feb 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Need helps with itinerary in Mexico for 15 days
Replies: 5
Views: 559

Re: Need helps with itinerary in Mexico for 15 days

You've gotten great suggestions. I'll just add one other city to consider: Oaxaca. Great food, nearby archaeological sites, handicrafts. A very walkable city, and prices are great right now.
by Hayden
Thu Feb 16, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Planning for a long term trip
Replies: 20
Views: 1528

Re: Planning for a long term trip

I've done this. For me, the biggest issue is mail. The post office will only hold mail for 30 days. I had all my mail switched over to a commercial mail box. I've also set up everything possible for electronic communication only. Still, there is always some unexpected letter in my mailbox when I get...
by Hayden
Fri Jan 13, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Schedule K-1 on Undistributed Profit in S-corp - Possible TurboTax Error
Replies: 7
Views: 595

Re: Schedule K-1 on Undistributed Profit in S-corp - Possible TurboTax Error

You are correct. A K-1 must be issued, regardless of whether profits were distributed.

Seems strange that TurboTax doesn't know that.
by Hayden
Sun Jan 08, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: W2 Contractor Position Without a 401k
Replies: 13
Views: 1190

Re: W2 Contractor Position Without a 401k

If you form an S Corp then you don't receive a 1099. You might ask the company if they would subcontract to your S Corp. That would allow you to open a solo 401k.
by Hayden
Sat Jan 07, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1135

Re: Protecting information on cell phone

Encrypt the phone and any SD card installed with a reasonably strong password (I say "reasonably" because entering long passwords on the Android keyboard can be tedious). Use a lock password instead of just a lock code. Set up a "find my phone" service in case it gets stolen, pr...
by Hayden
Fri Jan 06, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1135

Protecting information on cell phone

I am going to be traveling extensively this year, and will need to do banking etc while traveling. I have installed KeePass on my Android phone and put my login info in KeePass. It makes me nervous to have important info on my phone, because the phone could get stolen. What additional steps should I...
by Hayden
Thu Jan 05, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp nuts and bolts
Replies: 13
Views: 1025

Re: Help with S Corp nuts and bolts

Thanks for the good advice. I will definitely be looking into the free intuit payroll service. Does this service also help with distributions, or is this just a check I write myself? You don't want to do distributions through payroll. What I do:. Hold a meeting and approve a distribution. Document ...
by Hayden
Wed Jan 04, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp payroll co for single owner/employee?
Replies: 31
Views: 2541

Re: S Corp payroll co for single owner/employee?

I do it myself. It's not that difficult, and I prefer it to the aggravation of correcting the errors made by Paychex (they made huge numbers of errors when they ran my company's payroll).
It sounds like you know what needs to be done; why not do it yourself?
by Hayden
Wed Jan 04, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: Bernstein on Bonds...wow
Replies: 31
Views: 4681

Re: Bernstein on Bonds...wow

Looking at Vanguard's and Fidelity's taxable bond fund choices makes my head hurt. The choices are Government, or Federal, or Treasury, or Bond, in short, intermediate, and long durations. Bernstein and Swedroe both say focus on safety for the bond portion. I'll take their advice. But i do like the ...
by Hayden
Wed Jan 04, 2017 2:02 am
Forum: Investing - Theory, News & General
Topic: Bernstein on Bonds...wow
Replies: 31
Views: 4681

Re: Bernstein on Bonds...wow

http://abnormalreturns.com/2014/07/21/to-bond-etf-or-not/ I just found this article online. Curious on thoughts. -He criticizes Vanguard's management on certain funds. -He also says he does not recommend Bond ETFs in any case. -Also, he says there is little reason to pay mutual fund fees if you can...
by Hayden
Tue Jan 03, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Choosing glidepath if funding Ratio is greater than 1
Replies: 3
Views: 365

Re: Choosing glidepath if funding Ratio is greater than 1

I'm in a similar situation and I'm staying at 50/50. Here's my reasoning: Everything I read suggests that the world is a very dangerous place right now. I imagine how I would feel if I ignored this, increased equities, and a big crash occurred. For me, the pain and regret I would feel in that scenar...
by Hayden
Sun Jan 01, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 2732

Re: 2017 I-bond purchases - buy now or wait until May?

Hi, I buy I-bonds each year and have usually waited until May (or sometimes November) to see whether a better fixed rate would be offered. During 2015 and 2016, the opportunity cost of waiting was pretty minimal given the low composite rate. Now that the composite rate is fairly attractive, and giv...
by Hayden
Thu Dec 29, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4698

Re: Paying myself a salary for investment and tax management?

So why can't the OP form an S Corp and transfer some of his assets into the S Corp. Each year, the S Corp will have dividends and capital gains. The company could use this income to pay a W2 salary. As an added benefit, the S Corp could now reimburse the owner-employee for his health insurance, maki...
by Hayden
Tue Dec 27, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 128634

Re: Boglehead Beer

Just tried Prairie Bomb. Boy is that good! Super creamy with a slightly peppery finish.
by Hayden
Tue Dec 20, 2016 12:58 am
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 8483

Re: Hard Endeavor/Exercise in Middle Age

I feel like an underachiever relative to other bogleheads when it comes to hard endeavor/exercise in middle age and beyond! It is inspiring to hear some of these stories. I'm an underachiever too! Until this thread I was feeling pretty good about myself for making it to spinning classes at the gym.
by Hayden
Mon Dec 19, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mother saying she will put in 10k for my new car purchase. Anyway I can make this certain in writing?
Replies: 41
Views: 2193

Re: Mother saying she will put in 10k for my new car purchase. Anyway I can make this certain in writing?

Derivative wrote:
What would you say to a kid who has been abused by his/her parents


You're an adult. I would say move out of their house.
by Hayden
Sun Dec 18, 2016 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Simplest way to form a company (not a sole proprietorship)
Replies: 7
Views: 822

Re: Simplest way to form a company (not a sole proprietorship)

You say it's just a temporary, small gig. If I were you, I would reach out to a small business to front this for me. Your client can probably suggest businesses that do this.

You haven't mentioned your industry, but this is pretty common in my industry.
by Hayden
Sat Dec 17, 2016 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Requiring Travel to "No Travel" Country
Replies: 48
Views: 7154

Re: Employer Requiring Travel to "No Travel" Country

Other than the middle-east countries and some North African ones you would be fine visiting the rest of the list, IMHO. There's no way I would go to any country listed on the warning list. Mexico is on the list, and I'm getting ready to head there. I think one needs to read the details for each cou...
by Hayden
Sat Dec 17, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting muni bonds - are you still moving back?
Replies: 19
Views: 1414

Re: Tax loss harvesting muni bonds - are you still moving back?

Im glad you posted because I've been wondering this myself. I've been thinking about staying in a short term fund.
by Hayden
Wed Dec 14, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Did Intuit ruin Taxcaster?
Replies: 24
Views: 2688

Re: Did Intuit ruin Taxcaster?

I'm using the Android app for Taxcaster, and it looks to me like it's working the way it always has.
by Hayden
Tue Dec 13, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 19453

Re: Fidelity free Turbotax

Thanks for posting! I successfully downloaded TurboTax Premier for free.

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