Search found 733 matches

by Hayden
Fri Aug 12, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Remote work W2, State Taxes?
Replies: 8
Views: 800

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: 2
Views: 337

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: 2770

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: 7
Views: 683

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: 2904

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: 7
Views: 683

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: 6607

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: 7
Views: 683

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: 43
Views: 3357

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: 7360

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: 2681

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: 821

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: 401

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: 401

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: 2445

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: 595

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: 595

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: 595

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: 1493

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?
by Hayden
Sat Jul 16, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5183

Re: Mother was victim of online virus scam - How can she recover the money she paid?

Same thing happened to my parents. I wanted my mother to scrap the computer, but she refused. I wasted a weekend removing viruses from the computer :oops:
by Hayden
Sat Jul 16, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Transitioning to early retirement and part time side income/self employment - questions
Replies: 7
Views: 984

Re: Transitioning to early retirement and part time side income/self employment - questions

Your security clearance will end when you retire. You need to have a contract/reason for it to stay active.

Any way you could stay on in some part time capacity with the current employer, so they keep your clearance?
by Hayden
Sat Jul 09, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2461

Re: Due diligence before becoming a shareholder in a medical practice

I am still having trouble clearly understanding clearly what overhead is and how my compensation will be calculated moving forward. I would not enter into an agreement without a clear understanding of how my compensation would be calculated. They should be able to answer that question for you to yo...
by Hayden
Sat Jul 09, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: 1099 vs. W2
Replies: 17
Views: 1355

Re: 1099 vs. W2

if you are self employed, you can deduct your health insurance cost on your Form 1040 nitpick: If you are an S Corp, you do not take the home office deduction, but the company can reimburse you for home office expenses. You should check with your State on required filings and costs: my state require...
by Hayden
Sat Jul 09, 2016 11:25 am
Forum: Investing - Theory, News & General
Topic: instant xray at Morningstar
Replies: 14
Views: 787

Re: instant xray at Morningstar

it's free if you use the iPad app.
I use something equivalent for free from my Fidelity account.
by Hayden
Sat Jul 09, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Realizing capital gain in company account; reasonable compensation?
Replies: 8
Views: 595

Realizing capital gain in company account; reasonable compensation?

A long time ago, I put money into my company to show sufficient assets to bid on large jobs. I invested the money in Vanguard index funds. Fast forward two decades, and the business is winding down and the Vanguard account has over $300,000 in unrealized capital gains. My company has consulting reve...
by Hayden
Fri Jul 08, 2016 5:22 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 4869

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I've been with Fidelity over 30 years. I do recall in the distant past they suggested i buy active funds. Then several years ago I told my rep I am a Boglehead and only invest in index funds. He never tried to sell me anything after that.
by Hayden
Fri Jul 01, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 61
Views: 5818

Re: Handling "drive-by" doctoring bills following surgery?

This happened to a friend who is very savvy. She investigated and discovered that the Dr in question was out of town skiing on the date of surgery. No way he could have been present. She was a hospital employee, so I'm sure it was easier for her to investigate the Dr's calendar than it will be for y...
by Hayden
Wed Jun 29, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which Kind of Retirement Plan for Small Business (LLC with married Members)
Replies: 16
Views: 845

Re: Which Kind of Retirement Plan for Small Business (LLC with married Members)

I have an LLC with two members. Taxed as an S Corp. We each have a solo 401k account.
Works great. We use Fidelity.
by Hayden
Thu Jun 23, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 89
Views: 6735

Re: Your favorite country to possibly retire to?

I did a trial run in Spain, and absolutely loved it! Next up is Mexico; I want to check out San Miguel de Allende. At this point in my life, I favor a nomadic lifestyle, spending several months in each place. But, logistics have become a nuisance. Ive come to dread the question, Where do you live? ...
by Hayden
Thu Jun 23, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 89
Views: 6735

Re: Your favorite country to possibly retire to?

I did a trial run in Spain, and absolutely loved it! Next up is Mexico; I want to check out San Miguel de Allende. At this point in my life, I favor a nomadic lifestyle, spending several months in each place. But, logistics have become a nuisance. Ive come to dread the question, Where do you live? S...
by Hayden
Thu Jun 23, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: estimated health care costs in retirement?
Replies: 27
Views: 1644

Re: estimated health care costs in retirement?

I've been paying about 12k/year for myself. I assume that will continue to increase (I'm on am ACA plan). That is premiums plus my out of pocket expenses.
by Hayden
Tue Jun 21, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar app shows incorrect data
Replies: 2
Views: 213

Morningstar app shows incorrect data

I use the Morningstar app for Android. I just noticed that the data is not correct.

For example, the M* website shows the correct quote for VEMAX as $28.42. But the M* app shows $28.04. Values for other mutual funds are also incorrect.

Anyone else have this problem?
by Hayden
Mon Jun 20, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice on house situation
Replies: 21
Views: 1932

Re: Advice on house situation

You both have jobs and you're caring for a toddler. I would put my time and energy there. Why take on another part time job?
by Hayden
Sat Jun 18, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1715

Re: Driving Seattle to Spokane in July

I think if it were my first time, I would skip route 2 and just get there quickly. I recommend more than a couple hours in Coeur dalene. You might want to go out on a boat on the lake, go hiking, kayaking, biking, etc imho, there's more to do in Coeur d'Alene than in Leavenworth.
by Hayden
Sat Jun 18, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: not quite typical: seeking guidance in a non-straightforward situation
Replies: 37
Views: 3642

Re: not quite typical: seeking guidance in a non-straightforward situation

I would start by simplifying and reducing costs. That 401k sounds expensive. I have a solo 401k at Fidelity for which I pay $0. Would that work for you?
by Hayden
Sat Jun 18, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 2572

Re: Nice problem to have, Too much cash headed my way next 2.5 years

However #8 and #46 seem to conflict with the Taxable Account concept (?). Link to 51 things to never DO with your money: http://www.jonathanclements.com/home/20 ... your-money 8. Don’t keep a heap of money in your checking account. 46. Don’t keep money in the stock market that you’ll need to spend ...
by Hayden
Sat Jun 18, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: website hosting for low traffic website?
Replies: 17
Views: 1205

Re: website hosting for low traffic website?

I've been using yahoo. Very easy to set up a simple Web page.
by Hayden
Fri Jun 17, 2016 5:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 686

Re: Vanguard's Account Service Error

This is a known problem. Been happening for years. I find it very irritating because I travel for long periods and do not like the idea of unexpected checks sitting in my mailbox for months. What I did is direct Vanguard to deposit all dividends to my checking account. I'm hoping that will solve the...
by Hayden
Wed Jun 15, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps mailing me dividend checks
Replies: 16
Views: 3651

Re: Vanguard keeps mailing me dividend checks

Another experiment you can run is to try directing your dividends to your linked bank account instead of the MMF. In fact, if you are not brokeraged at Vanguard, this might be a better option for you anyway. Non-brokerage accounts don't really need a MMF in the first place. Thank you. I just made t...
by Hayden
Wed Jun 15, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps mailing me dividend checks
Replies: 16
Views: 3651

Re: Vanguard keeps mailing me dividend checks

This is still happening. Despite multiple complaints to my Flagship reps over the past two years. I am ready to give up on Vanguard and just use Fidelity. rant over. Thanks for listening. You probably need to "reboot" your accounts. That is, turn them off completely, then turn them back o...
by Hayden
Tue Jun 14, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps mailing me dividend checks
Replies: 16
Views: 3651

Re: Vanguard keeps mailing me dividend checks

This is still happening. Despite multiple complaints to my Flagship reps over the past two years.
I am ready to give up on Vanguard and just use Fidelity.

rant over. Thanks for listening.
by Hayden
Sat Jun 11, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: job position also listed as contract
Replies: 13
Views: 1100

Re: job position also listed as contract

Depends on the industry. In my industry it's common for a DoD contract to need someone with a certain set of skills. All subcontractors get the chance to bring their best candidate to the table so what results is many different companies putting out the exact same req because they all want the posi...
by Hayden
Sat Jun 11, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: What does after hours pricing of ETF mean?
Replies: 7
Views: 413

Re: What does after hours pricing of ETF mean?

I just typed VXUS into Google. So, the after-hours number shown by Google is meaningless? google is well known for bad data. As I typed in my post above, maybe someone bought 2 shares at that higher price after the market closed. That is sometimes called "painting the tape." As my mom alw...
by Hayden
Sat Jun 11, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: What does after hours pricing of ETF mean?
Replies: 7
Views: 413

Re: What does after hours pricing of ETF mean?

livesoft wrote:What quote service did you use?

In general, any quotes while the ticker symbol is not trading are not valid.


I just typed VXUS into Google. So, the after-hours number shown by Google is meaningless?
by Hayden
Sat Jun 11, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: What does after hours pricing of ETF mean?
Replies: 7
Views: 413

What does after hours pricing of ETF mean?

I just looked up VXUS. It shows:
June 10 (2.66%)
After-hours: 2.73%

Is this after hours number providing any information? Does this suggest it will go up on Monday?

The reason I am looking at this is because I have new money so am planning to make a purchase next week.
by Hayden
Sat Jun 11, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: job position also listed as contract
Replies: 13
Views: 1100

Re: job position also listed as contract

I've seen companies post jobs as both employee and contractor, simultaneously.
If it were me, I'd pursue all avenues.
by Hayden
Tue Jun 07, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Self-insure LTC?
Replies: 31
Views: 2533

Re: Self-insure LTC?

I have LTC insurance. The agent told me that there is value to the policy in facilitating things with the nursing home. He made a big deal about how important this benefit is. He told me that Bill Gates has LTC insurance, for just this resson. Any truth to this? I am single with no children, so havi...
by Hayden
Wed Jun 01, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Fingernails and superglue
Replies: 5
Views: 788

Fingernails and superglue

There doesn't seem to be anything the Bogleheads don't know, so I thought I'd give this a try. My fingernails keep splitting and crumbling. When they split, I put on superglue. Right now, i have superglue on most of my nails. Someone just suggested to me that the superglue is causing the crumbling. ...

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