Search found 23 matches

by Ron Swanson
Sat Jun 29, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Basic LLC Questions
Replies: 10
Views: 892

Re: Basic LLC Questions

This sounds like a drop shipping operation. Not that I'm passing any judgement on that. Remember that if you do file a legal entity, it should be totally separate from your personal assets as not to "pierce the corporate veil." Ideally, an LLC should have it's own address and it's own contact info a...
by Ron Swanson
Wed May 29, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17921

Re: Fun paid jobs after FIRE

If you're near water and like boating, being a launch driver at a nearby marina may fit your description. I've come across a few early retired launch drivers in the last few years.

People are generally in a good mood when heading out to their boat on a nice day.
by Ron Swanson
Sat Apr 06, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly vs. retainer for a financial planner
Replies: 64
Views: 3982

Re: Hourly vs. retainer for a financial planner

I think what Rick described above makes the most sense, but if I', a potential customer, I think a straight hourly fee is easier to digest emtionally. Paying an hourly fee makes me feel like I am getting something for each hour's work. Paying a retainer up front makes me feel like I have to pay a co...
by Ron Swanson
Wed Mar 20, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Patent an idea and find investors.
Replies: 31
Views: 2034

Re: Patent an idea and find investors.

Keep in mind that by patenting something, you are essentially telling the world exactly what your invention is and how it works. There is no reason someone cannot take your patent, reverse engineer it, and change the product just enough so that it does not infringe the original patent. Also keep in ...
by Ron Swanson
Sat Jan 26, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Simple "Skype" Device for Video Chats???
Replies: 20
Views: 1331

Re: Simple "Skype" Device for Video Chats???

How about an iPad with Skype on it? I believe Apple's electron assistant, Siri can perform basic Skype commands like, "Siri, open Skype." Or even "Siri, call XYZ on Skype."
by Ron Swanson
Fri Jan 25, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Taking a Year Off
Replies: 36
Views: 4136

Re: Taking a Year Off

I've been following this thread with great interest as my wife and I have also been talking about taking a year to go sailing. We are in a similar situation to the OP, but a few years younger. Out of curiosity, what have other who have taken an extended leave from work done for insurance? It seems t...
by Ron Swanson
Sun Dec 24, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Fill Out a New W4 (getting married, multiple jobs)
Replies: 2
Views: 397

Help Me Fill Out a New W4 (getting married, multiple jobs)

Hi Bogleheads, I have a few changes coming in my life and am trying to understand how I should be filling out my W4's for 2018. Note, this is not a discussion about the upcoming tax changes for 2018. I am simply trying to understand how I can most closely match my withholding to my actual tax liabil...
by Ron Swanson
Thu Nov 16, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 1161

Re: Dive computer recommendations

I just bought an Aqua Lung i450t. It's not huge, but could be too big for what you are describing. I have only used it a couple times, but so far my only complaint is that it can be a pain to swap back and forth to the compass. It can also be set up with a transmitter on your octopus to read your ai...
by Ron Swanson
Tue Jul 04, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Water bill outlier. Leaky Toilet help
Replies: 17
Views: 2255

Re: Water bill outlier. Leaky Toilet help

I have had this problem before, and had to replace the whole flush valve. If the seat of the flush valve is rough and scored the any flapper you put on will not seal correctly. The valves themselves are not expensive(maybe $15), and relatively easy to replace if you know your way around basic hand t...
by Ron Swanson
Tue Jul 04, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Unique adventure trip ideas - sailing?
Replies: 14
Views: 2052

Re: Unique adventure trip ideas - sailing?

https://www.wildernessscotland.com/adve ... s/sailing/

I have not been on this trip, but plan on doing it as part of my honeymoon next summer. Doesn't get much more adventurous than sailing the Scottish wilderness!
by Ron Swanson
Wed May 31, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 8765

Re: Does anyone treat taxable as a "someday fund"?

Wow, everyone. Thank you for the thoughtful responses. In my mind, I would treat the taxable account completely separate from long term savings (do not include it in overall asset allocation). For simplicity sake I would like to invest in a single fund with a 60/40 or 40/60 split (something like Van...
by Ron Swanson
Wed May 31, 2017 5:34 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 8765

Does anyone treat taxable as a "someday fund"?

Hi all, I have been tossing an idea around my head and am curious how others feel. Let assume that between my 401(k), ROTH IRA, my wife's 403b, her ROTH IRA, and our HSA that we are able to save more than enough to do the things we plan on doing during retirement. Let's also assume that after paying...
by Ron Swanson
Sun May 22, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 5768

Re: WW2 Books & Education

Honestly I would go to Wikipedia and read the main article on WWII. From there decide how you want to go about reading. You could find books that walk you through the conflict in a linear timeline. Or, you could focus on the specific things that interest you (first hand accounts, battles, units, peo...
by Ron Swanson
Thu Apr 14, 2016 3:31 am
Forum: Personal Investments
Topic: Target Date or S&P 500, Total Int, and Total Bond?
Replies: 6
Views: 1311

Target Date or S&P 500, Total Int, and Total Bond?

Bogleheads, I have an issue I've been trying to work through, but I can't convince myself to feel confident about either option. My 401k offers an indexed S&P 500 fund, a Total International Stock Market, a Total Bond Market Fund, and multiple Target date Funds (among other funds). Below is my infor...
by Ron Swanson
Tue Mar 29, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 8222

Re: Copper in Brake Fluid

Brake fluid is very hygroscopic (it absorbs water easily), and definitely needs to be changed occasionally. Might be kind of a cop out of an answer, but do whatever the manufacturer recommends. There should be a maintenance schedule listed in the owners guide.
by Ron Swanson
Tue Mar 22, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Cumberland Farms SmartPay Card
Replies: 2
Views: 683

Re: Cumberland Farms SmartPay Card

Smart pay is pretty much the only way I pay for gas now, and I see no reason to go back. Can't remember is there was a "hard pull" credit inquiry, but I remember it being very easy to sign up for, so my guess would be there was none. I've always used the smartphone app and never signed up for the ca...
by Ron Swanson
Thu Feb 18, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 29449

Re: What video games are you currently playing?

I play (probably too much) Company of Heroes 2. Always had a thing for RTS games. Also just started playing a game called Naval Action. It's still in alpha, but very fun and has lots of potential once completed. Who doesn't love sailboats, and cannons, and pirates? I also love Half-Life 3. Hands dow...
by Ron Swanson
Tue Feb 09, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 4159

Re: Internet becoming "Small"

While I understand the premise of what you're saying (good content can be hard to find sometimes), I do believe that there is an entire world worth of things to watching and reading online. A few suggestions of things I do online that I enjoy... 1. Go to Wikipedia and read the article of the day, or...
by Ron Swanson
Sun Feb 07, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Adult Coloring Books
Replies: 16
Views: 2688

Re: Adult Coloring Books

I bought my longtime girlfriend an adult color book when she started the most demanding year of her graduate program. While I've never tried coloring in it myself, I know she enjoys picking it up from time to time with a glass of wine to relax and unwind.
by Ron Swanson
Wed Jan 13, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Are Online/Distance Graduate Degrees Respected?
Replies: 28
Views: 8965

Re: Are Online/Distance Graduate Degrees Respected?

Thank you, everyone, for the thoughtful responses. My preference right now is to attend a distance Masters of Engineering Management program though Duke University. A traditional MBA doesn't really interest me since I work in a relatively technical field. Engineering Management has been described to...
by Ron Swanson
Mon Jan 11, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Are Online/Distance Graduate Degrees Respected?
Replies: 28
Views: 8965

Are Online/Distance Graduate Degrees Respected?

Hi Bogleheads, I am in the process of looking at and applying to graduate programs to pursue a degree in Engineering Management, and I'm curious what the consensus of this community is pertaining to online degrees. Are they worth it? Are they respected and taken seriously? As a little background, I ...
by Ron Swanson
Sun Dec 20, 2015 8:54 am
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 16595

Re: Large Energy stocks - why not?

That makes no sense. They (basically) have no operating costs. They don't go offline unless they break. Un-subsidized utility scale solar is in the $50-60/MWh range. Wind is even cheaper. Show me where, in the USA, is there new nat gas, coal or nuclear coming online for under $50/MWh. --Keanwood I ...
by Ron Swanson
Fri Nov 20, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Helping Completely Understanding ROTH Ira Rules
Replies: 6
Views: 975

Helping Completely Understanding ROTH Ira Rules

Hi all, I am new to the forum, so forgive me if this topic has already been covered extensively. I work in the energy industry and have a job where a significant portion of my income comes in the form of overtime and year end bonus. I currently max out a Roth Ira each year because even with bonus an...