Search found 724 matches

by Hayden
Wed Jul 27, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 79
Views: 6978

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: 22
Views: 2145

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: 776

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: 382

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: 382

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: 33
Views: 2112

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: 551

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: 551

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: 551

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: 1459

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: 5093

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: 961

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: 2398

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: 1318

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: 772

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: 551

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: 59
Views: 3206

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: 5736

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: 828

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: 6572

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: 6572

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: 1610

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: 207

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: 1917

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: 1668

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: 3554

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: 2543

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: 1169

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: 659

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: 3615

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: 3615

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: 3615

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: 1079

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: 401

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: 401

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: 401

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: 1079

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: 2472

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: 766

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. ...
by Hayden
Tue May 24, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house?
Replies: 43
Views: 2399

Re: Should I buy a house?

I would love to be footloose and fancy free. A house can quickly become an albatross. I recommend you not tie yourself down. Too many things can change, and you want to be free to move quickly in new directions as they arise.
by Hayden
Tue May 10, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 9356

Re: Retire now or OMY, [One More Year]

I'm semi-retired, I work a little, but not so much that it interferes with my life. For me, the biggest issue was health. I used to work all the time, and my health suffered as a result (no exercise, ate at restaurants every day). Now I have the time to make health a priority. I have the same basic...
by Hayden
Tue May 10, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 9356

Re: Retire now or OMY, [One More Year]

I'm semi-retired, I work a little, but not so much that it interferes with my life. For me, the biggest issue was health. I used to work all the time, and my health suffered as a result (no exercise, ate at restaurants every day). Now I have the time to make health a priority.
by Hayden
Sun May 08, 2016 3:56 pm
Forum: Investing - Theory, News & General
Topic: public pension plan unfunded liabilities
Replies: 64
Views: 7228

Re: public pension plan unfunded liabilities

If you do not have a 8 figure or 9 figure portfolio why do you care about individual municipal bond ratings and origin? I am confused. I just buy Vanguard Intermediate Term Muni bond fund and leave the bond selection to them. I use this "active" bond fund because I trust Vanguard and thei...
by Hayden
Tue May 03, 2016 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Small Business Savings
Replies: 13
Views: 944

Re: Small Business Savings

Our business has a Vanguard account and we place temporarily unneeded cash in the Short and Intermediate Term Investment Grade funds. We use the two funds to avoid the frequent trading restriction although that is not much of a problem now that it was reduced to 30 days. We can get the money in two...
by Hayden
Tue May 03, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Small Business Savings
Replies: 13
Views: 944

Re: Small Business Savings

I keep the company's money in an account at Vanguard. But, I don't transfer money back and forth often. I use it for reserves that just sit there.
by Hayden
Mon May 02, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 677
Views: 109219

Re: Boglehead Beer

I'm seriously looking forward to spending some time at Founder's in Grand Rapids this weekend. Good food, good friends, world-class brews. Founder's Breakfast Stout is one of my very favorite beers. Enjoy! I had been looking for this for a very long time, since first reading about it on Bogleheads....
by Hayden
Sun May 01, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: I own an S-Corp, can I not pay myself and only my contractors?
Replies: 22
Views: 1674

Re: I own an S-Corp, can I not pay myself and only my contractors?

You have to pay yourself a reasonable salary. Search for reasonable salary for S Corp owner. There has been much written on this subject.
by Hayden
Wed Apr 27, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3843

Re: Should I accept this offer on my house?

Thanks for the advice, everyone! i just told my realtor to accept the $420.
I'm ready to start the next phase of my life (retirement)!

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