Search found 823 matches

by Hayden
Tue Dec 06, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 5
Views: 408

Where to purchase tea

I know this has been discussed before, but I've searched and can't find the threads. I'm looking for recommendations on where to buy tea online. I currently drink sleepy time tea every evening, and am looking for something along those lines but better (chamomile etc). I live in a small town without ...
by Hayden
Tue Dec 06, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 50
Views: 4586

Re: How much risk do we need to take? Retired at age 47.

I decided to maintain 50/50 indefinitely.
Like you, I rode out 2001 and 2008/2009 with no problem. For me, being retired changes things, and I am not comfortable taking the risks I was taking when working full time. So I don't want more than 50% stocks.
by Hayden
Mon Dec 05, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Best business credit card and bank account for S-corp
Replies: 13
Views: 895

Re: Best business credit card and bank account for S-corp

After two bad incidents of money disappearing from my B of A account, I switched to a small local bank. I feel safer using a bank that actually knows who I am, and what my voice sounds like when I call. Note that business accounts to not have the protections of personal accounts, so safety is import...
by Hayden
Sun Dec 04, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 6548

Re: FIRE how do you live now

Spend lots of time reading bogleheads
Travel a lot
Spend time each day learning Spanish (Duolingo) and programming (Udacity)
Go to the gym every day
by Hayden
Sun Dec 04, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Research and Development Tax Credit
Replies: 0
Views: 90

Research and Development Tax Credit

Lately I've received several emails from companies wanting to help me to get the R & D tax credit. I have a small S Corp, I am the only employee. I am currently taking online classes to learn how to make apps for Android. Does anyone have experience with the R& D tax credit? Does writing app...
by Hayden
Sun Dec 04, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move in order to save on taxes?
Replies: 21
Views: 2025

Re: Should I move in order to save on taxes?

I would move. Be sure to understand the state business taxes as well as the personal taxes. I live in WA. No personal tax, but the state taxes business revenue (not net income). The tax rate depends on your industry.
by Hayden
Fri Dec 02, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 49
Views: 4142

Re: Gift To Self

My gift to myself is always about these things: getting rid of possessions, seeking inner peace, and staying away from the masses. Where they go, I avoid. Getting rid of things makes me feel freer and happier. I used to sell a lot on eBay, but since eBay changed the rules to benefit scam-artist buy...
by Hayden
Thu Dec 01, 2016 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: W4 tax form question
Replies: 6
Views: 618

Re: W4 tax form question

The allowances thing never made sense to me. I used to calculate the amount I wanted to have withheld for the year, divide by the number of pay periods, and use the W4 to instruct payroll to withhold that amount each pay period. I also would redo the calculation later in the year and revise the W4 a...
by Hayden
Tue Nov 29, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 49
Views: 4142

Re: Gift To Self

I'm spending 2017 traveling, so I just bought a travel vest and sun hat. Thinking about buying light weight walking sticks.
by Hayden
Tue Nov 29, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: question about solo 401k for spouse and date
Replies: 9
Views: 522

Re: question about solo 401k for spouse and date

You'll want to check this, but I believe the total contribution, EE plus ER, cannot exceed the employee wages. So, if your wife makes $10,000 and does it all as an employee referral, the company cannot also contribute $2500. Remember, also, the FICA tax when calculating the amount of the EE deferra...
by Hayden
Mon Nov 28, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: question about solo 401k for spouse and date
Replies: 9
Views: 522

Re: question about solo 401k for spouse and date

You'll want to check this, but I believe the total contribution, EE plus ER, cannot exceed the employee wages. So, if your wife makes $10,000 and does it all as an employee referral, the company cannot also contribute $2500.

Remember, also, the FICA tax when calculating the amount of the EE deferral.
by Hayden
Sun Nov 27, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxing Agencies Don't Know About 2014 Condo Remodel: What Now? [FLORIDA]
Replies: 8
Views: 1029

Re: Taxing Agencies Don't Know About 2014 Condo Remodel: What Now? [FLORIDA]

Why would you want to increase your property tax? It seems to me that if you got permits for the work, you did everything you need to do.
by Hayden
Sun Nov 27, 2016 11:10 pm
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 7935

Re: What was your Asset Allocation before and after retirement?

Some years ago I read a lot on AA and decided to maintain 50/50 indefinitely.
by Hayden
Sun Nov 27, 2016 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance question from small bus. owner
Replies: 7
Views: 566

Re: Health insurance question from small bus. owner

+1 to calling a broker. That's what I did. I ended up buying off the marketplace for 2017.
by Hayden
Sun Nov 27, 2016 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bank for tenant security deposit
Replies: 12
Views: 962

Re: Bank for tenant security deposit

We started with Bank of America. After a number of small nuisances and then one big mess up, I got fed up with them and switched to a local credit union. Our local credit union was actively seeking business accounts, and was very easy to deal with. I think everything was put into one checking account.
by Hayden
Sun Nov 27, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 511804

Re: What Movie Have You Recently Watched?

A Man Called Ove. Highly recommended.
by Hayden
Wed Nov 23, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 22
Views: 3974

Re: Fidelity free Turbotax

Used to be free from vanguard with a high dollar account but I think that's over. Does fidelity require a certain balance for this? Click on the link above. The answer is: it depends. So confusing When I've learned about fidelity bonuses on Bogleheads, I've contacted Fidelity and told them I want t...
by Hayden
Wed Nov 23, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Creating W2s and 1099s
Replies: 4
Views: 379

Creating W2s and 1099s

I need to create two W2s and one 1099 for my S Corporation. It looks like the $150 Turbotax Business will do this. I can't tell whether the $45 TaxAct Business program will do this.

Does anyone know whether the TaxAct product will do this? Any other suggestions?
by Hayden
Wed Nov 23, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 22
Views: 3974

Fidelity free Turbotax

Last year i got Turbotax free from Fidelity. This year, i only see the $20 off offer from Fidelity. Is anyone getting Turbotax free from Fidelity this year?
by Hayden
Fri Nov 18, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: TLH pair for Fidelity bond fund
Replies: 4
Views: 352

Re: TLH pair for Fidelity bond fund

inbox788 wrote:How much loss do you have? I see it's down around 3-4% from a month ago. Is it even worth doing?

viewtopic.php?t=18934


I had about $200k, so yes, I think it's worth it.
by Hayden
Fri Nov 18, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: TLH pair for Fidelity bond fund
Replies: 4
Views: 352

TLH pair for Fidelity bond fund

I have a loss in the Fidelity US Bond Index (FSITX) in my taxable account at Fidelity. Can someone suggest a TLH pair?
by Hayden
Mon Nov 14, 2016 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Software recommendations for form 1120S (S Corp)
Replies: 5
Views: 418

Re: Software recommendations for form 1120S (S Corp)

I have not used the Turbotax business software but have used Taxact's. I am very familiar with personal tax software but chose to have a CPA do my corp 1120S returns when I started my S-Corp many years ago. My CPA retired while I was winding down my S-Corp and I gave TaxAct a try (much cheaper than...
by Hayden
Sun Nov 13, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Software recommendations for form 1120S (S Corp)
Replies: 5
Views: 418

Re: Software recommendations for form 1120S (S Corp)

pshonore wrote:The Business versions of Turbo Tax (will do estates, trust, partnerships, etc) and Tax Act both can do this. Widely available in stores (TT) and online.


The business version of TurboTax seems to be much more expensive than Tax Act. Is there any advantage to the TurboTax product?
by Hayden
Sun Nov 13, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Software recommendations for form 1120S (S Corp)
Replies: 5
Views: 418

Software recommendations for form 1120S (S Corp)

I have a small, simple S Corp, and I want to do the form 1120S myself this year.

Looking for advice on what tax software to use (and where to purchase).
by Hayden
Sun Nov 13, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 435
Views: 179786

Re: TV show recommendations?

I am watching Maria la del barrio. It is mindless and silly, but it is genuinely improving my Spanish (I need simple dialogue in Spanish).
by Hayden
Wed Nov 09, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Question for folks who early retired - Approx 50 or earlier
Replies: 11
Views: 2722

Re: Question for folks who early retired - Approx 50 or earlier

If you receive megacorp health insurance and haven't experienced having to purchase individual insurance lately, you should read the many threads on that subject. In some areas it is apparently not possible to purchase a PPO plan. Health insurance may become a factor in selecting retirement location...
by Hayden
Mon Nov 07, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 50
Views: 10281

Re: Vanguard's safest bond funds?

I went to the Vanguard website to look for a Vanguard taxable bond fund that is safer than Total Bond. It turns out they have a lot of bond funds. Can someone help me figure out which of their many taxable bond funds are safer than the Total Bond fund? Hayden: Any Vanguard short-term bond fund (5) ...
by Hayden
Mon Nov 07, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 50
Views: 10281

Re: Vanguard Total Bond - Not reccomended by Swedroe??

I went to the Vanguard website to look for a Vanguard taxable bond fund that is safer than Total Bond. It turns out they have a lot of bond funds. Can someone help me figure out which of their many taxable bond funds are safer than the Total Bond fund? Safer in what way? It is a relatively safe fun...
by Hayden
Mon Nov 07, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to answer question on health insurance application
Replies: 2
Views: 324

Re: How to answer question on health insurance application

The answer is no. You pay it. After you have paid it yourself.......you submit for reimbursement. They issue you a check which could be considered wages, not reimbursement. You pay taxes on this. In like manner, I get a car plan check. But this is not a check paying for my car.....it is wages. I pa...
by Hayden
Mon Nov 07, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to answer question on health insurance application
Replies: 2
Views: 324

How to answer question on health insurance application

I own an S Corp. According to my accountant, I personally pay for health insurance, then submit a request for reimbursement to my company. My company reimburses me and reports it as wages. I am signing up for individual health insurance. The application asks, "Is any third-party payer including...
by Hayden
Mon Nov 07, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 50
Views: 10281

Re: Vanguard Total Bond - Not reccomended by Swedroe??

I went to the Vanguard website to look for a Vanguard taxable bond fund that is safer than Total Bond. It turns out they have a lot of bond funds. Can someone help me figure out which of their many taxable bond funds are safer than the Total Bond fund?
by Hayden
Mon Nov 07, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vagaries of ACA pricing and subsidies
Replies: 3
Views: 647

Re: Vagaries of ACA pricing and subsidies

If these cost differences were stable, this would be a factor in my decision on where to live during early retirement. But my understanding is that the prices fluctuate from year to year, so difficult to make relocation decisions based on this (unless one is willing to relocate year after year).
by Hayden
Sun Nov 06, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio check for a nomad
Replies: 13
Views: 1211

Re: Portfolio check for a nomad

Your AA seems aggressive to me. I am a 50-something semi-retired semi-nomad and my AA is 50/50. Your target AA of 80/20 would make me nervous.
by Hayden
Sun Nov 06, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: iWatch, FitBit or...?
Replies: 15
Views: 1247

Re: iWatch, FitBit or...?

I have a fitbit. My experience is that the heart rate monitor is completely inaccurate. I googled it and found that many people have the same experience.
by Hayden
Fri Nov 04, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor or S Corp?
Replies: 12
Views: 886

Re: Sole Proprietor or S Corp?

The savings from being an S Corp depends on what is a reasonable salary. If you are consulting and earning $90k, I find it difficult to understand how the reasonable salary is much less than $90k. But, I am not an accountant. Suggest you Google reasonable compensation.
by Hayden
Mon Oct 31, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Transition to HDHP (Sorry for another one!)
Replies: 3
Views: 315

Re: Transition to HDHP (Sorry for another one!)

A few questions about HDHP: 1. If my Out-of-pocket Max is $5000 in-network and my company will provide the first $2000 into my HSA account, does that mean that $3000 is the most that I will ever pay for medical costs in a year? (assuming everything is in-network) I wouldn't say $5000 is the "m...
by Hayden
Mon Oct 31, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Any reason to purchase on Exchange if don't qualify for subsidy
Replies: 13
Views: 1494

Any reason to purchase on Exchange if don't qualify for subsidy

My understanding is that the subsidy is based on income, not deductions. My dividends exceed the income level, so I know I will not qualify for a subsidy. Is there any reason one would want to purchase a health plan on the Exchange, rather than buying a health plan directly from the company? I am in...
by Hayden
Sat Oct 29, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Any experience with the Osher Creative Retirement class
Replies: 3
Views: 737

Any experience with the Osher Creative Retirement class

I am considering going to the Osher Creative Retirement Exploration Weekend in Asheville, or their other program, Paths to Creative Retirement. Does anyone have any experience/ recommendations regarding these programs?
by Hayden
Fri Oct 28, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 27
Views: 1703

Re: Quitting Job to Start a Business

I've started and operated two businesses. One is 30+ years old, the other just a few years. When I started business #2 I forgot how damn hard it was to get going. A couple of thoughts: - It will cost 2-3x what you expect it will cost to get started - It will take you 2-3x longer to make the busines...
by Hayden
Thu Oct 27, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for traveling early retiree
Replies: 5
Views: 572

Re: Health insurance for traveling early retiree

SRenaeP wrote:I carry annual travel medical insurance that provides international coverage only.


Thanks for the detailed responses. Where did you buy your travel insurance?
by Hayden
Thu Oct 27, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119739

Re: Boglehead Beer

Just had Firestone Walker Velvet Merlin. Wonderful oatmeal stout!
by Hayden
Wed Oct 26, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for traveling early retiree
Replies: 5
Views: 572

Health insurance for traveling early retiree

I plan to travel for about 7 months of 2017. About half in US, half outside US. With the new narrowing of networks for individual health plans, I will not have coverage while I am traveling. I have several questions. I understand in the event of an "emergency", I will be covered. Not clear...
by Hayden
Wed Oct 26, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11029

Re: 2017 ACA plan previews

The WA plans won't be on the state website until Nov 1. I know what is going to happen to my current plan, because the company told me. But I don't know what other options I have.

Anyone in WA found a way to see the 2017 options now?
by Hayden
Wed Oct 26, 2016 12:16 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11029

Re: 2017 ACA plan previews

i am seriously considering starting a business with someone in the same boat as me, so that we could qualify for the better corporate policies. The purpose of the business would not be to make money, but to obtain quality insurance. Either that or my wife may need to get a job merely to get us dece...
by Hayden
Tue Oct 25, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11029

Re: 2017 ACA plan previews

This is something I never considered when thinking about where to early retire. For early retirees who need to purchase individual insurance, where are the good locations, i.e., places where it is possible to purchase a plan with a large network?
by Hayden
Tue Oct 25, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11029

Re: 2017 ACA plan previews

My cost is going up significantly. But, that concerns me less than the narrowing of networks. My current plan is eliminating the three major hospitals in the state from its network.
I am trying to find a high deductible plan that has an excellent network. Easier said than done.
by Hayden
Sun Oct 23, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Back Up Camera for Automobile
Replies: 12
Views: 1234

Re: Back Up Camera for Automobile

I'm 80. Still able to turn my head and actually look behind. But my 2015 Subaru Outback does so much more. There's rear cross-traffic alert which sounds off if a car or pedestrian is coming from the side. Really useful when parked next to a van or big SUV which you cannot see across. Also has the E...
by Hayden
Thu Oct 20, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Assistance Requested: Candidate to be CEO of a Small Business
Replies: 23
Views: 2136

Re: Assistance Requested: Candidate to be CEO of a Small Business

I've been told by others in your position that a big problem is the founder not letting go. Some founders have a hard time letting go, which would make your job more difficult.
by Hayden
Tue Oct 18, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Recommend tablet/laptop & app/software for service business?
Replies: 12
Views: 883

Re: Recommend tablet/laptop & app/software for service business?

You can buy a tablet that runs Windows 10, Microsoft Office, etc. That sounds like what you are looking for. Samsung makes one - the Tab Pro S. There is also the Microsoft Surface. These machines give you the option of using it like a tablet or like a laptop.
by Hayden
Thu Oct 13, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Health plan with largest network
Replies: 8
Views: 862

Re: Health plan with largest network

Hayden, if the insurance is through your employer, go visit the employer's department that handles insurance. Your question is probably being asked by other employees. I am self-employed and am buying an individual policy. I don't qualify for a subsidy, so don't care whether the plan is on my state...

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